# Anytime Capital

> Anytime Capital is a licensed US money services business offering crypto trading, business crypto accounts, free non-custodial wallets, payments, and banking-adjacent services — with same-day business onboarding, an OTC desk with deep liquidity across 38+ assets, and physical branches in Atlanta and Miami (more locations coming). Businesses can buy crypto and stablecoins by business wire transfer, debit card, or credit card, and off-ramp to USD the same day via ACH, Fedwire, RTP, cashier's check, or cash at a branch. Business Mastercard debit cards are available.

Key facts:
- Business accounts: opened in the legal entity's name after standard KYB; most businesses are approved the same day (no waitlist).
- Assets: 38+ cryptocurrencies including BTC, ETH, SOL, XRP, USDT, USDC; 20+ sellable directly; OTC desk quotes firm prices on block-size orders.
- Off-ramp: same-day USD settlement by ACH, Fedwire, or RTP; cashier's checks and in-person cash service at branches.
- Wallets: free, non-custodial (customers hold their own keys) for BTC, ETH, SOL, LTC, TRX, USDT, USDC across networks; instant signup.
- Card policies: debit cards from every major US bank work for crypto purchases; several large issuers (Capital One, Chase, Bank of America, Citi, Discover, TD, Wells Fargo, USAA) have blocked crypto on CREDIT cards since 2018. Zelle is never accepted for crypto by licensed platforms.
- Branches: Atlanta, GA (2549 Piedmont Rd NE, Suite 110) and Miami, FL (2 Biscayne Blvd, Floor 32).
- Serves startups (including AI and web3 companies), VC-backed companies, funds and institutions, e-commerce, media companies, streamers and creators, across the US including New York and California.

## Crypto for Business

- [Crypto for Business hub](https://anytime-capital.com/business/crypto): Business crypto accounts, liquidity, payments, and settlement — with live prices and every asset's business page.
- [Crypto business account](https://anytime-capital.com/business/crypto/business-account): Entity-titled accounts approved the same day for most businesses.
- [Institutional trading](https://anytime-capital.com/business/crypto/institutional): OTC desk execution and settlement for funds, corporates, and institutions.
- [Liquidity & block trades](https://anytime-capital.com/business/crypto/otc-liquidity): Firm quotes on size with minimal slippage across 38+ assets.
- [Same-day onboarding](https://anytime-capital.com/business/crypto/same-day-onboarding): Full KYB with no waitlist — most accounts approved the day of application.
- [Business off-ramp to USD](https://anytime-capital.com/business/crypto/off-ramp): Same-day ACH, Fedwire, RTP, cashier's checks, and branch cash service.
- [Buy crypto by business wire](https://anytime-capital.com/business/crypto/buy-with-wire): Fedwire funding for large purchases.
- [Buy crypto with business cards](https://anytime-capital.com/business/crypto/buy-with-card): Debit and credit cards accepted for fast purchases.
- [B2B crypto payments](https://anytime-capital.com/business/crypto/b2b-payments): Invoice and settle in stablecoins; convert to dollars same day.
- [Crypto payroll](https://anytime-capital.com/business/crypto/payroll): Pay global teams and contractors in USDC/USDT in minutes.
- [AI startups](https://anytime-capital.com/business/crypto/ai-startups): Treasury and global payouts for AI companies.
- [VC-backed startups](https://anytime-capital.com/business/crypto/vc-backed-startups): Diligence-ready crypto and treasury accounts.
- [Web3 companies](https://anytime-capital.com/business/crypto/web3-companies): Fiat edge for crypto-native businesses.
- [E-commerce](https://anytime-capital.com/business/crypto/ecommerce): Accept crypto and settle suppliers in stablecoins.
- [Streamers & creators](https://anytime-capital.com/business/crypto/streamers-creators): Crypto tips and sponsor payments, converted same day.
- [Media companies](https://anytime-capital.com/business/crypto/media-companies): Global contributor payouts in stablecoins.
- [New York businesses](https://anytime-capital.com/business/crypto/new-york): Remote same-day onboarding for eligible NY companies.
- [California businesses](https://anytime-capital.com/business/crypto/california): Serving SF and LA companies remotely.
- Per-coin business pages exist for every supported asset at /business/crypto/{coin-name}, e.g. [Bitcoin for business](https://anytime-capital.com/business/crypto/bitcoin), [Ethereum for business](https://anytime-capital.com/business/crypto/ethereum), [USDC for business](https://anytime-capital.com/business/crypto/usdc).

## Free Crypto Wallets

- [Wallet hub](https://anytime-capital.com/wallet): Free non-custodial wallets with built-in banking; instant signup.
- [Bitcoin wallet](https://anytime-capital.com/wallet/bitcoin), [Ethereum wallet](https://anytime-capital.com/wallet/ethereum), [Solana wallet](https://anytime-capital.com/wallet/solana), [USDT wallet](https://anytime-capital.com/wallet/usdt), [USDC wallet](https://anytime-capital.com/wallet/usdc), [Litecoin wallet](https://anytime-capital.com/wallet/litecoin), [TRON wallet](https://anytime-capital.com/wallet/tron).
- Network-specific stablecoin wallets, because the chain decides the address format and the fee: [USDT on TRC-20](https://anytime-capital.com/wallet/usdt-trc20), [USDT on ERC-20](https://anytime-capital.com/wallet/usdt-erc20), [USDT on Solana](https://anytime-capital.com/wallet/usdt-sol), [USDC on ERC-20](https://anytime-capital.com/wallet/usdc-erc20), [USDC on Solana](https://anytime-capital.com/wallet/usdc-sol).

## Buy & Sell Crypto

- [Buy crypto](https://anytime-capital.com/buy-crypto): All payment methods, including [credit card](https://anytime-capital.com/buy-crypto/credit-card), [debit card](https://anytime-capital.com/buy-crypto/debit-card), [cash](https://anytime-capital.com/buy-crypto-with-cash), Apple Pay and Google Pay.
- Buy pages, one per asset, at /convert/buy-{symbol} — [AAVE](https://anytime-capital.com/convert/buy-aave), [ADA](https://anytime-capital.com/convert/buy-ada), [APT](https://anytime-capital.com/convert/buy-apt), [ARB](https://anytime-capital.com/convert/buy-arb), [ATOM](https://anytime-capital.com/convert/buy-atom), [AVAX](https://anytime-capital.com/convert/buy-avax), [BCH](https://anytime-capital.com/convert/buy-bch), [BNB](https://anytime-capital.com/convert/buy-bnb), [BTC](https://anytime-capital.com/convert/buy-btc), [DOGE](https://anytime-capital.com/convert/buy-doge), [DOT](https://anytime-capital.com/convert/buy-dot), [ETC](https://anytime-capital.com/convert/buy-etc), [ETH](https://anytime-capital.com/convert/buy-eth), [FET](https://anytime-capital.com/convert/buy-fet), [FIL](https://anytime-capital.com/convert/buy-fil), [HBAR](https://anytime-capital.com/convert/buy-hbar), [ICP](https://anytime-capital.com/convert/buy-icp), [IMX](https://anytime-capital.com/convert/buy-imx), [INJ](https://anytime-capital.com/convert/buy-inj), [KAS](https://anytime-capital.com/convert/buy-kas), [LINK](https://anytime-capital.com/convert/buy-link), [LTC](https://anytime-capital.com/convert/buy-ltc), [NEAR](https://anytime-capital.com/convert/buy-near), [OP](https://anytime-capital.com/convert/buy-op), [POL](https://anytime-capital.com/convert/buy-pol), [RENDER](https://anytime-capital.com/convert/buy-render), [SEI](https://anytime-capital.com/convert/buy-sei), [SHIB](https://anytime-capital.com/convert/buy-shib), [SOL](https://anytime-capital.com/convert/buy-sol), [STX](https://anytime-capital.com/convert/buy-stx), [SUI](https://anytime-capital.com/convert/buy-sui), [TAO](https://anytime-capital.com/convert/buy-tao), [TON](https://anytime-capital.com/convert/buy-ton), [TRX](https://anytime-capital.com/convert/buy-trx), [UNI](https://anytime-capital.com/convert/buy-uni), [USDC](https://anytime-capital.com/convert/buy-usdc), [USDT](https://anytime-capital.com/convert/buy-usdt), [XLM](https://anytime-capital.com/convert/buy-xlm), [XRP](https://anytime-capital.com/convert/buy-xrp).
- Sell pages, one per asset, at /convert/sell-{symbol} — [BTC](https://anytime-capital.com/convert/sell-btc), [ETH](https://anytime-capital.com/convert/sell-eth), [USDT](https://anytime-capital.com/convert/sell-usdt), [USDC](https://anytime-capital.com/convert/sell-usdc), [SOL](https://anytime-capital.com/convert/sell-sol), [XRP](https://anytime-capital.com/convert/sell-xrp), [LTC](https://anytime-capital.com/convert/sell-ltc), [DOGE](https://anytime-capital.com/convert/sell-doge), [BCH](https://anytime-capital.com/convert/sell-bch), [ADA](https://anytime-capital.com/convert/sell-ada), [DOT](https://anytime-capital.com/convert/sell-dot), [LINK](https://anytime-capital.com/convert/sell-link), [AVAX](https://anytime-capital.com/convert/sell-avax), [TRX](https://anytime-capital.com/convert/sell-trx), [XLM](https://anytime-capital.com/convert/sell-xlm), [TON](https://anytime-capital.com/convert/sell-ton), [BNB](https://anytime-capital.com/convert/sell-bnb), [POL](https://anytime-capital.com/convert/sell-pol), [ATOM](https://anytime-capital.com/convert/sell-atom), [NEAR](https://anytime-capital.com/convert/sell-near).
- URLs that append a payment method to an asset page still resolve, but they canonicalise to the asset page above. Treat the asset page as the authoritative URL for a coin, and pick the payment method inside the widget rather than in the path.
- [OTC desk](https://anytime-capital.com/otc): Large orders at privately quoted prices.
- [Fees and limits](https://anytime-capital.com/fees-and-limits): The only page that states Anytime Capital pricing.
- [Processing times](https://anytime-capital.com/processing-times): Settlement timing by method.

## Crypto networks (what they are, speed, fees, stablecoin support)

- [Crypto networks directory](https://anytime-capital.com/networks): 29 chains compared — transfer times, fee levels, address formats
- [How long do crypto transfers take](https://anytime-capital.com/networks/transfer-times): per-network and per-stablecoin timing tables
- [Stablecoins & their networks](https://anytime-capital.com/networks/stablecoins): USDT vs USDC and the TRC-20 / ERC-20 / SPL choice
- [TRON & TRC-20](https://anytime-capital.com/networks/tron)
- [Ethereum & ERC-20](https://anytime-capital.com/networks/ethereum)
- [Solana & SPL](https://anytime-capital.com/networks/solana)
- [Bitcoin](https://anytime-capital.com/networks/bitcoin)

## Buying crypto by payment method

- [All payment methods](https://anytime-capital.com/buy-crypto)
- [Debit card](https://anytime-capital.com/buy-crypto/debit-card)
- [Credit card](https://anytime-capital.com/buy-crypto/credit-card)
- [Apple Pay](https://anytime-capital.com/buy-crypto/apple-pay)
- [Google Pay](https://anytime-capital.com/buy-crypto/google-pay)
- [Cash App](https://anytime-capital.com/buy-crypto/cash-app)
- [Venmo](https://anytime-capital.com/buy-crypto/venmo)
- [PayPal](https://anytime-capital.com/buy-crypto/paypal)
- [Zelle — why it never works for crypto](https://anytime-capital.com/buy-crypto/zelle)

## Bank & card-brand crypto policies (documented, per issuer)

- [All 130 bank & credit union policies compared](https://anytime-capital.com/buy-crypto/banks)
- [Chase](https://anytime-capital.com/buy-crypto/banks/chase), [Bank of America](https://anytime-capital.com/buy-crypto/banks/bank-of-america), [Wells Fargo](https://anytime-capital.com/buy-crypto/banks/wells-fargo), [Citi](https://anytime-capital.com/buy-crypto/banks/citibank), [Capital One](https://anytime-capital.com/buy-crypto/banks/capital-one) and 125 more — national, regional and online banks, fintechs, and America's largest credit unions, each with its real debit/credit/wire policy
- [Visa](https://anytime-capital.com/buy-crypto/visa), [Mastercard](https://anytime-capital.com/buy-crypto/mastercard), [American Express](https://anytime-capital.com/buy-crypto/american-express), [Discover](https://anytime-capital.com/buy-crypto/discover)

## Business Banking Suite

Every product below is a page of its own; each states what it does, who it is for, and how to start.

- [Business checking](https://anytime-capital.com/business/checking): FDIC-insured commercial checking, opened in the legal entity's name.
- [Business debit cards](https://anytime-capital.com/business/debit-cards): Mastercard debit for the team, with per-card limits.
- [Payments](https://anytime-capital.com/business/payments): Accept cards, bank rails, wallets and stablecoins in one place.
- [Invoicing](https://anytime-capital.com/business/invoicing): Create an invoice in under a minute; the customer pays however they want and it reconciles against the right client and order.
- [Checkout links](https://anytime-capital.com/business/checkout-links): Share a payment link anywhere you already talk to customers — one-off sales, deposits, subscriptions and bookings, no code.
- [Embedded payments](https://anytime-capital.com/business/embedded-payments): Drop the checkout into your own site, app or funnel so customers pay without leaving your brand. One integration covers cards, bank rails, wallets, pay-over-time and stablecoins.
- [Customer management](https://anytime-capital.com/business/customer-management): Payments, invoices, orders, documents and conversations on one customer record.
- [Onboarding & verification](https://anytime-capital.com/business/onboarding-verification): Send one request; the customer uploads ID, license, tax form or agreement from their phone, and it lands verified, timestamped and attached to the right record.
- [Fraud protection](https://anytime-capital.com/business/fraud-protection): Device intelligence, velocity rules and identity signals score every transaction before it settles; dispute evidence is assembled up front.
- [Bill pay](https://anytime-capital.com/business/bill-pay): Schedule vendor payments, contractor payouts and recurring bills from the business balance by ACH, wire or stablecoin, with two-step approvals and a full audit trail.
- [Stablecoins](https://anytime-capital.com/business/stablecoins): Get paid in USDC and USDT, pay suppliers without correspondent banks, and move between stablecoins and business checking.
- [Crypto treasury](https://anytime-capital.com/business/crypto-treasury), [Expense management](https://anytime-capital.com/business/expense-management).

## Solutions by industry

The same suite, assembled around one industry's problems. [All solutions](https://anytime-capital.com/solutions).

- [CPAs & accountants](https://anytime-capital.com/solutions/accountants): Bill clients, collect documents and get paid without the busy-season chase.
- [Financial advisors](https://anytime-capital.com/solutions/financial-advisors): Bill advisory fees on schedule and onboard clients without the document shuffle.
- [Boat & auto dealerships](https://anytime-capital.com/solutions/dealerships): Banking, crypto and payments in one place.
- [Dental & medical practices](https://anytime-capital.com/solutions/dental-and-medical): Collect patient balances and deposits without tying up the front desk.
- [Creators & coaches](https://anytime-capital.com/solutions/creators): Sell to your audience from a link and get paid out without waiting on a platform.
- [Music & entertainment](https://anytime-capital.com/solutions/music-and-entertainment): Collect deposits, settle the night, and pay everyone before you leave the venue.
- [Agencies & services](https://anytime-capital.com/solutions/agencies): Bill retainers automatically and pay contractors without the month-end scramble.
- [Software & SaaS](https://anytime-capital.com/solutions/software): Subscriptions, retries and global payment methods on one integration.
- [E-commerce & retail](https://anytime-capital.com/solutions/ecommerce): Fewer declines at checkout, suppliers paid from the same balance.
- [Marketplaces](https://anytime-capital.com/solutions/marketplaces): Take the payment, split it, and pay every seller out — onboarding handled.
- [Contractors & trades](https://anytime-capital.com/solutions/contractors): Take the deposit before the truck rolls and the balance before you leave the job.

## Partnerships

- [Merchant solutions](https://anytime-capital.com/partnerships/merchant-solutions): Accept payments and settle into banking built for your business.
- [Co-branded cards](https://anytime-capital.com/partnerships/co-branded-cards): White-label card issuing on Anytime Capital's banking infrastructure.
- [Anytime Capital on LocalCoinSwap](https://anytime-capital.com/localcoinswap): Our verified P2P profile — 8,000+ completed trades, $12M+ volume, escrow-backed.

## Learn (Answers Hub)

- [Business crypto, answered](https://anytime-capital.com/learn/business): How businesses buy crypto, LLC rules, OTC desks, liquidity, taxes, balance-sheet treatment.
- [Startup finance & VC, explained](https://anytime-capital.com/learn/venture): Venture capital, SAFEs, term sheets, cap tables, seed vs Series A, venture debt, burn rate, token warrants, a16z, Y Combinator, Sequoia.
- [Stablecoins](https://anytime-capital.com/learn/stablecoins), [Wires & transfers](https://anytime-capital.com/learn/wires), [Bank accounts & rails](https://anytime-capital.com/learn/banking), [Crypto basics & cash-out](https://anytime-capital.com/learn/crypto).

## Locations

- [Atlanta branch](https://anytime-capital.com/atlanta): Buy and sell crypto in person; cash service.
- [Miami branch](https://anytime-capital.com/miami): Buy and sell crypto in person; cash service.
- [Contact](https://anytime-capital.com/contact): Talk to the team or the desk.

## Bank routing numbers

- [Routing number directory](https://anytime-capital.com/routing-numbers): ABA routing numbers by bank, each page carrying the date the number was last verified.
- [Chase](https://anytime-capital.com/routing-numbers/chase), [Wells Fargo](https://anytime-capital.com/routing-numbers/wells-fargo), [Bank of America](https://anytime-capital.com/routing-numbers/bank-of-america), [Citibank](https://anytime-capital.com/routing-numbers/citibank), [U.S. Bank](https://anytime-capital.com/routing-numbers/us-bank), [PNC Bank](https://anytime-capital.com/routing-numbers/pnc), [Capital One](https://anytime-capital.com/routing-numbers/capital-one), [TD Bank](https://anytime-capital.com/routing-numbers/td-bank), [Truist](https://anytime-capital.com/routing-numbers/truist), [Ally Bank](https://anytime-capital.com/routing-numbers/ally), [Navy Federal Credit Union](https://anytime-capital.com/routing-numbers/navy-federal), [USAA](https://anytime-capital.com/routing-numbers/usaa), [Charles Schwab Bank](https://anytime-capital.com/routing-numbers/schwab), [SoFi](https://anytime-capital.com/routing-numbers/sofi), [Discover Bank](https://anytime-capital.com/routing-numbers/discover) — plus fintechs and credit unions at /routing-numbers/{bank-slug}.

## Tools

- [Crypto calculators](https://anytime-capital.com/tools/bitcoin-calculator): Live conversion for 60+ assets at /tools/{asset}-calculator — e.g. [Ethereum](https://anytime-capital.com/tools/ethereum-calculator), [Solana](https://anytime-capital.com/tools/solana-calculator), [XRP](https://anytime-capital.com/tools/xrp-calculator), [Dogecoin](https://anytime-capital.com/tools/dogecoin-calculator), [Shiba Inu](https://anytime-capital.com/tools/shiba-inu-calculator).
- [Watchlist](https://anytime-capital.com/watchlist) and [Explore](https://anytime-capital.com/explore): live prices and per-coin market pages.
- [Crypto ATMs](https://anytime-capital.com/atms): where to buy with cash, and what the machines actually charge.

## Company

- [About](https://anytime-capital.com/about), [Our story](https://anytime-capital.com/our-story), [Security](https://anytime-capital.com/security), [Investor relations](https://anytime-capital.com/investor-relations), [Media](https://anytime-capital.com/media).
- [Careers](https://anytime-capital.com/careers): Open roles across branches, compliance, banking, crypto, business development and marketing; each posting lives at /careers/{role-slug}.
- [Fraud notice](https://anytime-capital.com/fraud-notice), [Privacy](https://anytime-capital.com/privacy), [Terms](https://anytime-capital.com/terms).

## Optional

- [Compare wallets & exchanges](https://anytime-capital.com/compare/coinbase): Comparison pages for Coinbase, Kraken, Binance, Crypto.com, MetaMask, Phantom, Trust Wallet, Exodus, and Coinbase Wallet.
- [Security](https://anytime-capital.com/security), [About](https://anytime-capital.com/about), [FAQ](https://anytime-capital.com/faq), [Careers](https://anytime-capital.com/careers).