Self-Custody + Banking
A Crypto Wallet with a Bank Account Built In
Your keys on one side, your dollars on the other. Anytime Capital pairs a free, non-custodial crypto wallet with an FDIC-insured cash account and Mastercard® — so converting crypto to spendable money takes seconds, not days.
As of August 2026. Information may have changed since this date. Please verify current details with the respective platforms.
What is a crypto wallet with a bank account?
A crypto wallet with a bank account combines two things that normally live on separate platforms: a non-custodial wallet where you hold your own crypto keys, and a real US cash account for everyday dollars. Anytime Capital connects both, so converting between crypto and spendable cash happens in one place, in seconds.
The wallet side is fully self-custody — your keys are generated on your device and never leave it. The banking side is an FDIC-insured cash account provided through Pathward N.A., Member FDIC, with a Mastercard® attached. You get the sovereignty of self-custody and the usability of a bank account, without choosing between them.
How the wallet-to-bank bridge works
Hold Bitcoin, Ethereum, Solana, Litecoin, TRON, USDT, or USDC in your free wallet. When you want dollars, convert in-platform: the USD lands in your cash account immediately — no sending funds to an exchange, no multi-day withdrawal, no juggling two logins.
It works in both directions. Fund your wallet with a debit card, Apple Pay, ACH transfer, or wire; when the market gives you gains or a client pays you in stablecoins, cash out to the account and spend with your Mastercard® the same day.
Why stablecoin users love it
If you get paid in USDT or USDC — freelancers, remote workers, international sellers — the gap between 'received stablecoins' and 'usable dollars' is usually the most annoying part of crypto. Receiving USDT on TRON or USDC on Solana costs your sender almost nothing and lands in seconds; converting to USD in your cash account closes the loop.
No exchange account, no withdrawal windows, no wondering whether a bank will question the transfer. The platform is a FinCEN-registered Money Services Business, built for exactly this flow.
What else you can do
Beyond convert-and-spend: swap between supported assets at live market rates, track live prices, import an existing wallet by seed phrase, export your keys anytime, and receive early direct deposits into the cash account. One login, both sides of your money.
Crypto Wallet + Bank Account FAQ
Is there really a crypto wallet with a built-in bank account?
Yes. Anytime Capital pairs a free, non-custodial crypto wallet with an FDIC-insured cash account (through Pathward N.A., Member FDIC) and a Mastercard®. Convert supported crypto to USD in-platform and spend it — no separate exchange or bank transfer required.
Is my crypto FDIC insured?
No — cryptocurrency itself is never FDIC insured, at any platform. Funds in your Anytime Capital cash account are FDIC-insured up to applicable limits through our partner bank, Pathward N.A., Member FDIC.
Do I give up self-custody by connecting a bank account?
No. The wallet stays fully non-custodial — keys generated and stored on your device, transactions signed locally, exportable anytime. The cash account is a separate, regulated banking product that sits next to the wallet.
How fast can I convert crypto to spendable cash?
Conversion happens in-platform and the USD is available in your cash account immediately, ready to spend with your Mastercard® or transfer out.
Which cryptocurrencies can I convert to USD?
Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), TRON (TRX), USDT (ERC-20, SPL, TRC-20), and USDC (ERC-20, SPL).
Is the wallet free if I don't open the cash account?
Yes. The wallet is free either way — no monthly or setup fees. The cash account simply unlocks the instant crypto-to-USD bridge and card spending.
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Important Disclosures
- Cryptocurrency is not FDIC insured. Funds in the Anytime Capital cash account are FDIC-insured up to applicable limits through Pathward N.A., Member FDIC.
- The Anytime Capital Mastercard® is issued pursuant to license by Mastercard International.
- This page is provided for informational purposes and does not constitute financial advice.
- Network transaction fees apply when sending crypto on-chain.