How long does XT.COM verification take?

Automated verification takes minutes; accounts pulled into review report days or weeks with only a ticket to check.

Can I use XT.COM without KYC?

No. 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. Anytime Capital is the same: verification is required before you can transact, because it is the law for a registered U.S. money services business.

Can I verify with Anytime Capital in person?

Yes. Bring your government ID to the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 during business hours, or verify online and call (470) 748-2530 if anything stalls.

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.

Verification

XT.COM

Our pick

XT.COM KYC: what it asks for, how long it takes, and why it stalls

XT.COM verifies in tiers: small amounts with less, larger amounts with more. The difference between platforms is not whether they verify you but what happens when the automated check says no.

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.
Automated verification takes minutes; accounts pulled into review report days or weeks with only a ticket to check.

XT.COM vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 of 15.

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
Documents to start	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
When verification stalls	Chat handles routine questions quickly. Reviewers with a held withdrawal or a locked account describe long waits and repeated document requests.	Call the branch or verify in person

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 KYC: what it asks for, how long it takes, and why it stalls

Does XT.COM require KYC?

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

What XT.COM verification involves

Why automated KYC fails good customers

A front door, not a chat window

What verification unlocks

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

XT.COM vs Anytime Capital, row by row

9 ways to pay here. 0 at XT.COM.

Every major coin, one checkout

Three steps from XT.COM to here

Verify once

Pay your way

Receive and keep going

Ready to leave XT.COM behind?

XT.COM KYC: what it asks for, how long it takes, and why it stalls: FAQ

Other questions people ask before switching

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Important Disclosures