They have all seen the machines
Bitcoin kiosks sit in gas stations and corner stores in every major US city. Your customers know what they are. Many have used one and disliked the price.
Anytime Capital turns an ordinary store counter into a crypto counter. Your employee signs in, runs a one-to-two minute customer onboarding on a phone or tablet, places the order and takes the payment. You earn a share of every transaction. There is no kiosk to install, no crypto for you to hold and no licence for you to obtain.
$500.00
Bitcoin · paid in cash at the counter
Anytime Capital is a US-registered money services business that buys and sells cryptocurrency for retail customers. The retail program lets an independent store — a check casher, a bodega, a gas station, a currency exchange, a phone shop — offer that same service to the people already walking through its door, and keep a share of the revenue on every order.
Mechanically it is the same shape as becoming a Western Union or MoneyGram agent, and stores describe it the same way. You are not opening a crypto business. You are adding one more service to a counter that already sells money orders, bill payments, wire transfers and prepaid cards. The customer asks for it, your cashier serves it, the platform behind the counter does the rest.
The difference is the margin. A money order earns a store cents. A bill payment earns a fixed dollar or two. Crypto is priced as a percentage of the order, so a single $500 sale is worth more to the store than a whole morning of money orders — and the customers buying it are, very often, the same people already standing in your line on payday.
Why now
Every check casher in America has watched a customer walk out to find a Bitcoin machine. That demand is not new, and it is not going away — the only open question is who serves it and who keeps the revenue.
Bitcoin kiosks sit in gas stations and corner stores in every major US city. Your customers know what they are. Many have used one and disliked the price.
Someone who cashes a check with you every Friday would rather buy from a person they know than from a machine in a stranger's store.
Most exchanges are bank-account-only. A cash-paid customer without a bank relationship has almost no legitimate route into crypto except a store counter.
Families sending money home increasingly ask for USDT or USDC. If your store handles remittances, that conversation is already happening at your window.
Direct deposit and instant payment apps have squeezed traditional check cashing for a decade. New revenue has to come from new services on the same rent.
The industry's answer has been to put a kiosk on your floor and pay you a slice of its fees. That is a real option — it is just not the only one.
At the counter
There is nothing to install and nothing to learn beyond one screen. Your employee signs in at retail.anytime-capital.com on the store's phone, tablet or PC, and works through the order the same way they would a wire.
Each employee gets their own login, so every order is attributable to the person who took it and the store owner can see the day's activity.
ID capture, a selfie with liveness, and the details the rules require — done from the customer's own phone or the store's tablet, in the time it takes to count a stack of twenties.
Pick the asset, enter the dollar amount, show the customer the quote. Bitcoin, Ethereum, USDT, USDC and dozens more.
Cash at the counter is the common case. The order settles against the payment you have taken, and the customer's crypto lands in their wallet.
Order · counter service
LiveGetting started
Onboarding a store is a compliance review and a training session, not an installation project. Nothing gets delivered to your address.
Tell us where the store is, what it already offers and roughly what your daily foot traffic looks like. We tell you straight away whether we can serve your state or market.
Standard business onboarding — entity documents, ownership, and the licences your store already holds. This is the part that takes the longest, and it is measured in days, not months.
One session per employee. The screen is short on purpose. Staff who can process a wire transfer can process a crypto order.
Your logins are switched on, your store appears as a serving location, and your revenue share accrues on every order your staff place.
The arithmetic
Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.
| At the counter | Order size | Store keeps (low) | Store keeps (high) |
|---|---|---|---|
| A customer cashes a check and puts part of it into Bitcoin | $200 | $2.00 | $6.00 |
| A regular buys USDT to send to family overseas | $500 | $5.00 | $15.00 |
| A customer sells crypto and takes the cash | $1,000 | $10.00 | $30.00 |
| A small business owner buys on payday, every other week | $2,500 | $25.00 | $75.00 |
| One larger order, the kind an ATM's daily cap refuses | $10,000 | $100.00 | $300.00 |
The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.
Typical time to serve a customer
Equipment to buy or lease
Assets your customers can buy
US-based support for your staff
The pitch a store owner usually hears is machine-shaped: let us put a Bitcoin ATM in the corner, we will split the fees. It works for some sites. But it asks the store to give up floor space, run power to a box it does not own, and accept whatever the machine's daily limits and pricing do to the customer experience — while the store's own staff have no involvement in the transaction and no ability to help when something goes wrong.
A counter service inverts all of that. The service lives on a screen your employee is already holding. There is nothing to fit, nothing to insure and nothing to explain to a landlord. Larger orders are a conversation with a human rather than a hard cap enforced by a note acceptor. And because your staff run the transaction, the customer's relationship stays with your store.
It also means the revenue is not bounded by one machine in one corner. Every employee on shift can serve a crypto customer at the same time, from any position on the counter, including the drive-up window if you have one.
You are responsible for the things a store is good at: serving the customer, collecting the payment, keeping your own books, and following the training your staff are given. That is the whole list.
You are not the money services business. Anytime Capital is the registered MSB — FinCEN registration number 31000321862986 — and carries the customer identification programme, the transaction monitoring, the recordkeeping and the regulatory reporting that go with the activity. You do not hold customer crypto, you do not custody private keys, and you are not asked to obtain a money transmitter licence of your own to act as a location for ours.
If your store already holds a check casher or money transmitter licence in your state, that does not go away and nothing here replaces it. It usually makes the conversation shorter, because your business is already known to a regulator and already runs the kind of recordkeeping this activity expects.
Check cashing stores are the sharpest fit — the customer base overlaps almost perfectly, the counter model is identical, and the staff are already trained to take identification and handle cash carefully. But the program is not limited to them.
Currency exchanges and money transfer agents, bodegas and corner stores, gas stations and convenience stores, smoke and vape shops, pawn shops, tax preparation offices, wireless and phone stores, grocers and carnicerías, liquor stores and laundromats all run the same fundamental business: high foot traffic, cash at the counter, a regular customer who comes in weekly. Each of those has its own page in this cluster with the specifics.
The common thread is not the product on your shelves. It is that people come to your counter with cash in their hand and a transaction in mind.
The cluster
Written for the questions in the order they actually get asked, not in the order a brochure would put them.
The store is a serving location, not a counterparty. Your employee places the order through Anytime Capital's retail platform on behalf of the customer standing in front of them. Anytime Capital sources and delivers the crypto to the customer's wallet. The store collects the payment and earns a share of the transaction. At no point does the store hold cryptocurrency or control a private key.
Not one of your own to act as a location for Anytime Capital. Anytime Capital is the registered money services business (FinCEN registration number 31000321862986) and carries the compliance programme for the activity. State law varies and your own circumstances matter, so we confirm what applies to your specific store during onboarding, and nothing here is legal advice. See the compliance page for the full explanation.
Nothing, because there is no equipment. The platform runs in a browser at https://retail.anytime-capital.com on a phone, tablet or the PC already behind your counter. There is no kiosk to buy or lease, no cash recycler to load, and no monthly platform fee to earn back.
A returning customer who is already verified takes under a minute. A brand new customer takes one to two minutes, because their identity has to be captured and checked once. After that first visit they are on file and every subsequent order is fast.
It depends on your foot traffic and on the revenue share in your agent agreement. Because crypto is priced as a percentage of the order rather than as a flat fee, a single $500 order is typically worth more to a store than a large number of money orders. The earnings page works the arithmetic through at several order sizes so you can run your own numbers.
More than 38 assets, including Bitcoin, Ethereum, Solana, XRP and Litecoin, plus the stablecoins USDT and USDC across several networks. Stablecoins matter more than people expect in stores that serve remittance customers.
Sell orders are supported on the platform. Whether your particular location handles cash-out, and at what size, is set during onboarding based on your store's cash position and the applicable rules — this is exactly the kind of thing the retail team walks through with you rather than something to guess at from a web page.
Anytime Capital's retail counter is live in the United States. International locations are being onboarded market by market as licensing allows, and the global section of this site covers what the model looks like for currency exchanges, remittance agents and mobile money agents in each region.
Talk to the retail team about your store, your state or country, and what your customers are already asking you for.