Which XT.COM alternative is clearest on fees?

Anytime Capital: one all-in number from 4% on card, Apple Pay and Google Pay orders, spread included, with the amount you pay and the crypto you receive both shown before you confirm.

Which XT.COM alternative accepts cash?

Anytime Capital, in person at the Atlanta branch or by mail. XT.COM and the major exchanges do not take cash.

Which alternative has a phone number?

Anytime Capital, at (470) 748-2530 during business hours.

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.

Alternatives

XT.COM

Our pick

The best XT.COM alternative

If you are leaving XT.COM it is probably for one of these reasons: excludes u.s. residents entirely and holds no u.s. license, named in a march 2026 vara consumer alert for unlicensed activity in dubai, lost about $1.7 million to a hot-wallet breach in november 2024 and paused withdrawals. Anytime Capital fixes those, and here is how it stacks up against the other names on your list.

Card pricing from 4% with the spread included
Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Atlanta branch, Miami office, and a phone number that answers

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. branches in Atlanta, Miami and Houston; 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