Trust & safety
Zengo
Our pickIs Zengo legit? What that does and does not mean
Zengo is a real wallet that has operated since 2018. 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.
- Zengo is wallet software, not a money transmitter, and holds no financial license of its own; the on-ramp inside it is MoonPay, a FinCEN-registered money services business with state licenses, and Zengo's security model has been audited and is backed by a bug bounty.
- Delivers coins to a wallet you control
- Anytime Capital: a U.S. company you can call or visit
Updated September 2026. Zengo 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
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Buy BTCBitcoin$81,242+5.08%.svg)
Buy ETHEthereum$2,516+5.18%.svg)
Buy USDTTether$1.0000+0.03%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$105.29+5.96%.svg)
Buy XRPXRP$1.46+9.21%.svg)
Buy LTCLitecoin$51.35+3.21%.svg)
Buy DOGEDogecoin$0.0895+10.07%.svg)
Buy TRXTRON$0.3313+1.98%.svg)
Buy ADACardano$0.2223+13.04%.svg)
Buy AVAXAvalanche$7.53+5.00%.svg)
Buy DOTPolkadot$0.8934+4.01%.svg)
Buy LINKChainlink$11.82+6.33%.svg)
Buy BCHBitcoin Cash$257.37+5.36%.svg)
Buy XLMStellar$0.1862+7.22%.svg)
Buy SHIBShiba Inu$0.000005+5.47%.svg)
Buy TONToncoin$1.38+3.55%.svg)
Buy SUISui$0.7897+8.51%
Quick answer
Is Zengo legit and safe to use?
Yes. Zengo is a legitimate wallet founded in 2018, based in Tel Aviv, Israel. Zengo is wallet software, not a money transmitter, and holds no financial license of its own; the on-ramp inside it is MoonPay, a FinCEN-registered money services business with state licenses, and Zengo's security model has been audited and is backed by a bug bounty. Zengo 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.
2018
the year Zengo was founded
Compared platform
4.2 / 5
Zengo Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital
Card pricing at Anytime Capital, where Zengo has no card rail
Published fee percentages on a debit or credit card order
Zengo does not sell crypto for a card payment directly: no card rail of its own; buying inside Zengo is a MoonPay purchase at MoonPay's rate, which is 4.5% on card, Apple Pay and Google Pay orders with a minimum of about $3.99, shown before you confirm, and Zengo Pro subscribers get a discount of up to 50% on those fees. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.
The checklist: does Zengo pass?
Zengo is legitimate and, as wallets go, unusually well documented. It was founded in Tel Aviv in 2018, was the first consumer wallet to ship multi-party computation instead of a seed phrase, publishes its security model, runs a bug bounty and has said no Zengo wallet has ever been drained. It is non-custodial: Zengo's server share cannot move funds on its own. Its Trustpilot profile of about 1,100 reviews averaging 4.2 out of 5 is stronger than most wallets', and the company replies to nearly all negative reviews.
What Zengo is not is a licensed financial company. It holds no money transmitter license because it does not need one; the buying and selling inside it is done by MoonPay, which is FinCEN-registered and state-licensed, and MoonPay's rules govern who can buy where. The legitimacy question a careful user should ask is about recovery: because one key share lives on Zengo's servers, restoring a wallet depends on Zengo's service being available and its face-scan recovery working, and Zengo has published a guarantee and an escape mechanism to address that.
Anytime Capital is a U.S. money services business with a storefront in Atlanta and an office in Miami. Its wallet is non-custodial too, its cash account is FDIC-insured, and a question about either is answered by a person at (470) 748-2530.
- Zengo is wallet software, not a money transmitter, and holds no financial license of its own; the on-ramp inside it is MoonPay, a FinCEN-registered money services business with state licenses, and Zengo's security model has been audited and is backed by a bug bounty.
- Operating since 2018, headquartered in Tel Aviv, Israel
- 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 Zengo and a pattern appears: purchase fees through moonpay that feel high inside a free wallet, buying or selling unavailable in some u.s. states, recovery that depends on zengo's servers and a face scan, pro subscription pricing for features other wallets include. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Zengo you open a ticket or a chat and wait. 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
Zengo 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
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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 Zengo? 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.
- 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
Zengo 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.
Card purchase fee
- Zengo
- No card rail of its own; buying inside Zengo is a MoonPay purchase at MoonPay's rate, which is 4.5% on card, Apple Pay and Google Pay orders with a minimum of about $3.99, shown before you confirm, and Zengo Pro subscribers get a discount of up to 50% on those fees
- Anytime
- From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
- Zengo
- ACH through MoonPay at about 1% where available
- Anytime
- ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
- Zengo
- Not offered
- Anytime
- Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
- Zengo
- Not offered; bank funding is MoonPay's ACH where available
- Anytime
- Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
- Zengo
- Yes
- Anytime
- Yes
Talk to a human
- Zengo
- 24/7 in-app live chat and email, staffed by people rather than bots; no phone line
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Zengo
- None for customers
- Anytime
- Atlanta branch and Miami office
Where it serves
- Zengo
- The Zengo wallet works anywhere, but buying and selling inside it depends on MoonPay's U.S. licensing, and Zengo's help center lists some features as unavailable in New York, Louisiana, Texas and the U.S. Virgin Islands.
- Anytime
- Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
- Zengo
- Creating the wallet needs only an email and a device; buying or selling runs MoonPay's verification, with a government ID and a selfie on the first purchase.
- Anytime
- Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
- Zengo
- No FDIC-insured cash account
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Zengo
- Limits are MoonPay's verification tiers; no desk for a large order
- Anytime
- Dedicated OTC desk with a named contact
Custody of your coins
- Zengo
- Your own wallet; you hold the keys
- Anytime
- Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
- Zengo
- Zengo is wallet software, not a money transmitter, and holds no financial license of its own; the on-ramp inside it is MoonPay, a FinCEN-registered money services business with state licenses, and Zengo's security model has been audited and is backed by a bug bounty.
- Anytime
- U.S.-based, FinCEN-registered money services business
Way to escalate a problem
- Zengo
- Zengo's support is its best-reviewed feature, but a purchase problem belongs to MoonPay, and Zengo's agents can only relay it.
- Anytime
- Phone, email, or in person at the Atlanta branch
Ways to pay
9 ways to pay here. 4 at Zengo.
The rails Zengo 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.
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 daysLimitedYes
- 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.
- BitcoinBuy BTC
- EthereumBuy ETH
- TetherBuy USDT
- USD CoinBuy USDC
- SolanaBuy SOL
- XRPBuy XRP
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BNBBuy BNB- DogecoinBuy DOGE
- TRONBuy TRX
- CardanoBuy ADA
- LitecoinBuy LTC
- ChainlinkBuy LINK
- AvalancheBuy AVAX
- PolkadotBuy DOT
- ToncoinBuy TON
- SuiBuy SUI
- Shiba InuBuy SHIB
- StellarBuy XLM
- Bitcoin CashBuy BCH
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PolygonBuy POL.svg)
UniswapBuy UNI.svg)
NEARBuy NEAR.svg)
HederaBuy HBAR.svg)
AptosBuy APT.svg)
ArbitrumBuy ARB.svg)
OptimismBuy OP.svg)
CosmosBuy ATOM.svg)
FilecoinBuy FIL.svg)
Ethereum ClassicBuy ETC.svg)
AaveBuy AAVE.svg)
InjectiveBuy INJ.svg)
BittensorBuy TAO.svg)
RenderBuy RENDER.svg)
SeiBuy SEI.svg)
StacksBuy STX.svg)
ImmutableBuy IMX
How it works
Three steps from Zengo 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.
Ready to leave Zengo 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
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
Is Zengo legit? What that does and does not mean: FAQ
More on Zengo
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about Zengo is based on its published pricing, terms of service and independent reviews as of September 2026. Fees, availability and features change; confirm the exact quote in each platform's checkout before you pay.
- Anytime Capital pricing shown as "from" reflects the lowest published rate; your quote depends on payment method, order size and verification and is displayed in full before you confirm.
- Anytime Capital and Zengo are independent companies. This page is not endorsed by or affiliated with Zengo. Third-party names and logos are used only to identify the platform being compared and remain the property of their owners.
- This comparison is for information only and is not financial, investment, tax or legal advice.
- Cryptocurrency is not FDIC insured, is not a bank deposit and may lose value. The FDIC-insured cash account refers to U.S. dollar balances held at a partner bank; digital assets are not covered.