Local terms for this counter
colmado · banca · casa de cambio · agente de remesas
The Dominican colmado is the barrio's shop, bank, credit line and message board all at once, and the banca is on nearly as many corners. Both already handle cash on behalf of their neighbourhoods, and both serve households receiving money from New York, Madrid and San Juan.
$500.00
Counter order · Dominican Republic
Few countries have as dense a network of neighbourhood counters as the Dominican Republic. The colmado is a genuine institution — it sells groceries, extends informal credit, tops up phones and knows every household on its block by name.
Remittance from the United States and Spain is a foundational part of the household economy, and the receiving end of it runs through counters rather than branches.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
The local picture
The format has a different name in every market and does the same job in all of them. This is the version that applies here.
colmado · banca · casa de cambio · agente de remesas
Neighbourhood colmados, betting and lottery bancas, currency exchange houses, remittance agencies, phone and top-up shops.
United States, Spain, Puerto Rico — where the money moves, and why stablecoins matter at this counter.
Spanish. Serving a customer in their own language is the single biggest advantage a counter has over an app.
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
What a colmado sells, beyond groceries, is trust. It extends credit on a handshake and settles on payday, which requires a level of standing in the neighbourhood no chain retailer has.
That standing is exactly what makes a counter work for a product customers are cautious about. A first crypto purchase from someone who has extended you credit for years is a very different proposition from a first crypto purchase from a machine.
The banca format is a second, more transactional counter with high daily footfall and staff already used to handling cash and paying out.
The Dominican Republic's regulators have been developing their position on virtual assets. Availability for a partner counter depends on local licensing.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
Anytime Capital is a registered US money services business and operates its own branches in Atlanta and Miami. The retail program extends that same platform to partner counters — which is why availability follows licensing rather than ambition, and why the first conversation about any international market is a straight one.
An employee signs in to the retail platform in a browser, runs a one-to-two minute identity verification for a first-time customer, places the order at a live price and takes the payment at the counter. Returning customers skip the verification entirely.
The store never holds cryptocurrency, never controls a private key and never funds a float. There is no equipment to buy, lease or install.
The customer receives the asset to a wallet they control, with the delivery recorded on a public blockchain — which is a stronger receipt than most counter products anywhere in the world can offer.
Related
The rest of the programme, and the region this market sits in.
It already does, informally, for its whole block. The program formalises that role for one specific product, with identification and recordkeeping carried by the licensed principal rather than the shop.
The United States is the largest, particularly the New York and New Jersey Dominican communities, followed by Spain and Puerto Rico.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is. We will tell you plainly what is and is not possible where you are rather than taking you through an onboarding that cannot finish.
In the United States, a store acting as a serving location does not need its own money services business registration — Anytime Capital holds it. Outside the United States the answer depends entirely on the local regime, which is why availability is assessed market by market.
An employee signs in, verifies the customer once, places the order and takes the payment at the counter. There is no machine to install, no crypto for the store to hold and no float to fund.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where your counter is and what your customers are asking for. We will be straight with you about what is possible in your market today.