Is Zengo available in New York?

No. Zengo excludes New York residents. Anytime Capital confirms eligibility state by state during verification; call the Atlanta branch to check.

Is Zengo a U.S. company?

Zengo is headquartered in Tel Aviv, Israel. Built by Zengo Ltd., formerly KZen Networks; purchases and sales are processed by MoonPay, which Zengo named its exclusive buy-and-sell provider, with Banxa and Transak used in some regions historically. Anytime Capital is a U.S. company based in Atlanta.

Does Anytime Capital serve customers outside Georgia and Florida?

Yes. Anytime Capital serves customers across the United States and worldwide, subject to verification. Online orders, ACH and wire work from anywhere, cash by mail from anywhere in the U.S., and the branches are for customers who want to pay in cash or sit down with someone.

Can I switch from Zengo 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.

United States

Zengo

Our pick

Is Zengo available in the USA? Yes, with a catch

Q: How does Anytime Capital pricing compare with Zengo?

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. Zengo prices 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, with none from Zengo; sending coins out of the wallet costs only the network fee. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

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 Capital serves customers worldwide and is the U.S. company on the ground: a branch in Atlanta, an office in Miami, a domestic phone line, and the rails Americans actually use.

Zengo serves the U.S. with restrictions; not New York, Louisiana, Texas
Anytime Capital: Atlanta branch, Miami office, U.S. phone line
Cash, ACH and same-day domestic wire

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

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

Quick answer

Can I use Zengo in the United States?

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. Excluded states include New York, Louisiana, Texas. Anytime Capital is based in the U.S., serves customers worldwide, and adds a phone number, a walk-in branch in Atlanta, and cash and wire options.

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

Partial
Zengo U.S. availability
Compared platform
0
Zengo customer offices in the U.S.
Compared platform
2
Anytime Capital U.S. locations
Anytime Capital
Same day
domestic wire settlement at Anytime Capital
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.

Where Zengo stands with U.S. customers

Zengo the wallet works in the United States and in 188 countries; holding, sending and receiving coins does not depend on where you live. Buying and selling inside the app is MoonPay's service under MoonPay's U.S. licensing, and Zengo's help center notes that some features are unavailable in New York, Louisiana, Texas and the U.S. Virgin Islands, which in practice means the buy or sell button may be missing or limited there. U.S. customers who can buy see MoonPay's sheet: cards, Apple Pay, Google Pay and ACH where available.

What Zengo does not have in the United States is any presence at all: it is a Tel Aviv software company with no office, phone line, cash rail or wire desk here. Anytime Capital's Atlanta branch on Piedmont Road and its Miami office in One Biscayne Tower are places a customer can walk into, it accepts cash and same-day wire alongside cards, and its coins can be sent to a Zengo wallet if that is where you keep them.

What "available" leaves out

Availability is not the same as presence. Zengo has no U.S. office you can visit, no U.S. phone line, and no cash rail. None of that stops a purchase going through, but it matters the moment an American customer needs an American answer: a bank that blocked the card, a wire that needs to go out today, a cash payment from a business that runs on cash. Anytime Capital is headquartered in Atlanta, Georgia. The Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 is open Mon–Fri 10am–5pm · Sat 10am–2pm, (470) 748-2530 reaches a person during business hours, and domestic wires settle the same business day.

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

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

U.S. payment rails compared

American customers pay in ways a global platform struggles with. Anytime Capital takes Apple Pay, Google Pay, cards, ACH, domestic wire, Cash App, cash in branch and cash by mail, and publishes a bank-by-bank guide to which U.S. issuers allow crypto purchases, so you know before you tap whether your card will be declined.

Apple Pay
Google Pay
Debit card
Credit card
ACH bank transfer
Wire transfer
Cash App
Cash in branch
Cash by mail

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.

Get the free wallet 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

Zengo vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 15.

Category	Zengo	Our pick
Card purchase fee	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	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	ACH through MoonPay at about 1% where available	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; bank funding is MoonPay's ACH where available	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 in-app live chat and email, staffed by people rather than bots; 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	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.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	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.	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 are MoonPay's verification tiers; no desk for a large order	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	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.	U.S.-based, FinCEN-registered money services business
Company location	Tel Aviv, Israel; no U.S. customer office	Atlanta, Georgia, with a Miami office
U.S. phone support	No	(470) 748-2530

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
Company location
Zengo
Tel Aviv, Israel; no U.S. customer office
Anytime
Atlanta, Georgia, with a Miami office
U.S. phone support
Zengo
No
Anytime
(470) 748-2530

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.

MethodZengoAnytime 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 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.

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.

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

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

Get the free wallet 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