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.

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.

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

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

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

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

Can I use Zengo in the United States?

Card pricing at Anytime Capital, where Zengo has no card rail

Where Zengo stands with U.S. customers

What "available" leaves out

A front door, not a chat window

U.S. payment rails compared

Leaving Zengo? Your wallet address works here too.

Zengo vs Anytime Capital, row by row

9 ways to pay here. 4 at Zengo.

Every major coin, one checkout

Three steps from Zengo to here

Verify once

Pay your way

Receive and keep going

Ready to leave Zengo behind?

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

Other questions people ask before switching

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Important Disclosures