No. Xcoins is a legitimate on-ramp operating since 2016. Holds a Class 3 Virtual Financial Assets license from the Malta Financial Services Authority, granted in 2021, and serves U.S. customers as an agent of Zero Hash LLC, a FinCEN-registered and state-licensed money transmitter.

Is Xcoins regulated in the United States?

Xcoins serves U.S. customers as an agent of Zero Hash LLC, which holds money transmitter licenses in most states; Zero Hash's own terms exclude New York, so Xcoins is not available there. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Xcoins hold my crypto?

No. Xcoins delivers to a wallet you control, the same way Anytime Capital does.

Can I switch from Xcoins to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Xcoins?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Xcoins prices a buy fee widely reported at 4% to 6% of the order plus a 3.9% card processing fee, shown together on the final confirmation step, plus the network fee, roughly 7.9%–9.9% on the headline, with none; coins are sent to your wallet address and Xcoins does not charge to send them. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Trust & safety

Xcoins

Our pick

Is Xcoins legit? What that does and does not mean

Xcoins is a real on-ramp that has operated since 2016. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

Holds a Class 3 Virtual Financial Assets license from the Malta Financial Services Authority, granted in 2021, and serves U.S. customers as an agent of Zero Hash LLC, a FinCEN-registered and state-licensed money transmitter.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

Xcoins vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 14.

Category	Xcoins	Our pick
Card purchase fee	A buy fee widely reported at 4% to 6% of the order plus a 3.9% card processing fee, shown together on the final confirmation step, plus the network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered as a U.S. rail; bank transfer is SEPA in the EU only	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 live chat, email and a U.S. phone line, +1 (305) 946-1796	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Xcoins serves U.S. customers as an agent of Zero Hash LLC, which holds money transmitter licenses in most states; Zero Hash's own terms exclude New York, so Xcoins is not available there.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID and a selfie on every account, with proof of address and source-of-funds checks for larger or repeated orders.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Limits rise with verification; no dedicated desk for a retail buyer	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Holds a Class 3 Virtual Financial Assets license from the Malta Financial Services Authority, granted in 2021, and serves U.S. customers as an agent of Zero Hash LLC, a FinCEN-registered and state-licensed money transmitter.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Xcoins is one of the few card brokers with a phone number, and its reviews credit the support team even when the outcome was an account closure.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Xcoins: A buy fee widely reported at 4% to 6% of the order plus a 3.9% card processing fee, shown together on the final confirmation step, plus the network fee
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Xcoins: bank transfer is SEPA for EU customers only; no U.S. bank rail is advertised
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

Xcoins: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Xcoins: Not offered as a U.S. rail; bank transfer is SEPA in the EU only

Is Xcoins legit? What that does and does not mean

Is Xcoins legit and safe to use?

What a card purchase costs: Xcoins vs Anytime Capital

The checklist: does Xcoins pass?

What "safe" looks like when a trade goes sideways

A front door, not a chat window

How to protect yourself on any platform

Leaving Xcoins? Your wallet address works here too.

Xcoins vs Anytime Capital, row by row

9 ways to pay here. 4 at Xcoins.

Every major coin, one checkout

Three steps from Xcoins to here

Verify once

Pay your way

Receive and keep going

Ready to leave Xcoins behind?