Can Americans use XT.COM?

No. XT.COM's user agreement prohibits residents of the United States, it holds no U.S. license, and there is no separate U.S. entity. Anytime Capital serves customers worldwide, including in the United States, with card, ACH, wire, Cash App and cash.

Is XT.COM licensed in Dubai?

No. In March 2026 Dubai's Virtual Assets Regulatory Authority named XT.COM in a consumer alert for providing virtual asset services without a VARA license. XT.COM is registered in Seychelles and continues to operate globally outside the UAE.

Yes. On November 28, 2024 about $1.7 million left an XT.COM hot wallet and was swapped into roughly 461 ETH. XT.COM paused all withdrawals for about twelve hours, first citing a wallet upgrade, then confirmed the breach and said reserves exceeded user assets.

What are XT.COM's fees?

0.2% for makers and takers on spot at the base tier, and 0.04% maker and 0.06% taker on futures, with discounts for volume and XT token holdings. Crypto withdrawals carry a per-coin fee; there are no bank rails.

Does XT.COM have a phone number?

No. XT.COM support is 24/7 live chat and tickets. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Can I switch from XT.COM to Anytime Capital without moving my crypto?

Yes. Withdraw from XT.COM to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with XT.COM?

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. XT.COM prices third-party card purchases through partner processors at the partner's rate, none of which serve U.S. residents; XT.COM itself charges no card fee because it runs no card rail, with a per-coin network fee set by XT.COM and shown on the withdrawal screen. 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.

Head to head

XT.COM

Our pick

XT.COM vs Anytime Capital

XT.COM is a Dubai-run altcoin supermarket: 1,000-plus tokens, spot and futures books, a Seychelles registration, a VARA warning, and a user agreement that excludes U.S. residents. Anytime Capital is a U.S. money services business that serves customers worldwide, with card pricing from 4% with the spread included, a branch in Atlanta, a phone number, and nine ways to pay. Here is the honest breakdown.

XT.COM: U.S. residents excluded, no fiat rails, flagged by Dubai's VARA in 2026
Anytime Capital: cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

XT.COM vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 13.

Category	XT.COM	Our pick
Card purchase fee	Third-party card purchases through partner processors at the partner's rate, none of which serve U.S. residents; XT.COM itself charges no card fee because it runs no card rail	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.2% maker and taker on spot at the base tier, 0.04% maker and 0.06% taker on futures, with discounts for volume and for holding the XT token	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered; no fiat rails for U.S. customers	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	24/7 live chat and support tickets; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	XT.COM does not serve U.S. customers. Its user agreement prohibits residents of the United States, it holds no U.S. license, and there is no separate U.S. entity.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Trading and crypto deposits without identity verification at the low tier, with a daily withdrawal cap; verified accounts submit a government ID and a selfie, and compliance reviews can demand more before a withdrawal clears.	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	Deep books on a handful of majors, thin on most of its 1,000-plus listings; no U.S. OTC desk	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered in Seychelles with an operating base in Dubai; in March 2026 Dubai's Virtual Assets Regulatory Authority named XT.COM in a consumer alert for offering services without a VARA license, and it is not licensed by FinCEN or any U.S. state.	U.S.-based, FinCEN-registered money services business

Card purchase fee

XT.COM: Third-party card purchases through partner processors at the partner's rate, none of which serve U.S. residents; XT.COM itself charges no card fee because it runs no card rail
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

XT.COM: 0.2% maker and taker on spot at the base tier, 0.04% maker and 0.06% taker on futures, with discounts for volume and for holding the XT token
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash

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

Domestic wire

XT.COM: Not offered; no fiat rails for U.S. customers

XT.COM vs Anytime Capital

Which is better, XT.COM or Anytime Capital?

Card pricing at Anytime Capital, where XT.COM has no card rail

What XT.COM is, and what it is not

Fees: an offshore trading schedule, versus one all-in number on screen

A front door, not a chat window

Ways to pay: crypto only, versus nine rails

Support: a chat window, versus a phone number

More than an exchange: the account that comes with it

When XT.COM is the right call

Leaving XT.COM? Your wallet address works here too.