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.

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

Q: Is Xcoins a scam?

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.

Q: 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.

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

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Updated September 2026. Xcoins figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

Is Xcoins legit and safe to use?

Yes. Xcoins is a legitimate on-ramp founded in 2016, based in Santa Venera, Malta. 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. Xcoins serves the U.S. with restrictions. It does not hold your coins, so the risks are declined payments and verification holds rather than lost funds. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

2016
the year Xcoins was founded
Compared platform
1.9 / 5
Xcoins Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

What a card purchase costs: Xcoins vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
Xcoins

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 (7.9%–9.9%). Anytime Capital: from 4%, shown in full before you confirm. Both exclude blockchain network fees. Published schedules as of September 2026; confirm your exact quote in each checkout.

The checklist: does Xcoins pass?

Xcoins is legitimate. It was founded in California in 2016, moved to Malta in 2019, and in 2021 became one of the first crypto brokers to hold a Class 3 Virtual Financial Assets license from the Malta Financial Services Authority, which is a supervised license with capital and compliance requirements rather than a registration. For U.S. customers it operates as an agent of Zero Hash LLC, a FinCEN-registered money transmitter licensed across most states. It verifies every customer and never holds your coins.

Its reviews are unusual in how sharply they split. On Reviews.io, nearly a thousand ratings average about 4.7 and praise the support team. On Trustpilot, about two dozen reviews average 1.9, and most describe an account closed after a first purchase with the order canceled and a refund that took a while. Both are real. The picture they paint together is a compliance-first broker that will sometimes close an account it has just verified, with polite people on the phone while it does so.

Anytime Capital is a U.S. money services business with a storefront in Atlanta and an office in Miami. The same identity checks happen here, because they are part of the business. The difference is that a declined card ends with a call to (470) 748-2530 and a different rail, not a closure.

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.
Operating since 2016, headquartered in Santa Venera, Malta
Identity verification required
Non-custodial delivery to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of Xcoins and a pattern appears: accounts closed after verification with the order canceled and a slow refund, a total fee near 10% once the buy fee and card fee are added, no bank option for u.s. customers, unclear reasons for a decline. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Xcoins you can reach phone support for some issues, but most problems go through tickets. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

A front door, not a chat window

Xcoins is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

Leaving Xcoins? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Buy with Apple Pay from 4%Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

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. offices in Atlanta and Miami; 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
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Xcoins
Yes
Anytime
Yes
Talk to a human
Xcoins
24/7 live chat, email and a U.S. phone line, +1 (305) 946-1796
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Xcoins
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Xcoins
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
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Xcoins
Government ID and a selfie on every account, with proof of address and source-of-funds checks for larger or repeated orders.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Xcoins
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Xcoins
Limits rise with verification; no dedicated desk for a retail buyer
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Xcoins
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Xcoins
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.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Xcoins
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.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 4 at Xcoins.

The rails Xcoins has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodXcoinsAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from Xcoins to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Ready to leave Xcoins behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy with Apple Pay from 4%See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions