Neighbourhoods and corridors
North Philadelphia & Fairhill · Hunting Park · Olney · Kensington · Frankford · South Philadelphia — Italian Market corridor · West Philadelphia · Upper Darby
Philadelphia's corner store is a financial institution in all but name — cashing checks, selling money orders and extending informal credit across North Philly, Hunting Park, Olney and Kensington. Adding a crypto counter to those stores is a smaller leap than almost anywhere else.
$500.00
Counter order · Philadelphia
Philadelphia has one of the highest rates of household financial exclusion among large US cities, and the gap has been filled for decades by corner stores and independent check cashers. Those businesses already perform the role this program formalises.
The city's Puerto Rican, Dominican, Mexican, Cambodian and West African communities each have their own commercial corridors, and each has its own remittance behaviour — which is what makes the stablecoin side of this product land here.
On the ground
Corner stores and delis, check cashers, money transfer agencies, phone shops, small international grocers. These are the formats the program was designed around, and the neighbourhoods below are where they cluster.
North Philadelphia & Fairhill · Hunting Park · Olney · Kensington · Frankford · South Philadelphia — Italian Market corridor · West Philadelphia · Upper Darby
Corner stores and delis, check cashers, money transfer agencies, phone shops, small international grocers.
Puerto Rico, Dominican Republic, Mexico, Cambodia, Liberia, Haiti — the corridors that drive stablecoin demand at a Philadelphia counter.
Spanish, English, Khmer, Arabic, Haitian Creole. 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
In much of Philadelphia the corner store is where people cash a check, buy a money order, top up a phone and, informally, borrow until Friday. The store owner is already trusted with money and already known by name.
That trust is the whole asset here, and it is the reason a Philadelphia corner store can outperform a much larger retailer on this product. The customer is not deciding whether to trust crypto — they are deciding whether to trust you, and they already have.
The practical constraint is throughput on a small counter, which is why the first-visit verification is best handled the way these stores already handle money orders: step aside, we will call you.
Your employee signs in at retail.anytime-capital.com, 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.
Anytime Capital is the registered money services business behind the transaction and carries the customer identification programme, the monitoring and the reporting. Your store is a serving location, and your existing licences remain yours with their own obligations.
Onboarding is a compliance review and a training session. Nothing is delivered to your address, and there is nothing to earn back before the first order is profitable.
Keep reading
The numbers, the rules and the store type closest to yours.
No. There is no equipment, no floor space requirement and no minimum store size. Single-register corner stores run the same program as multi-lane retailers.
No, though stores that do tend to convert fastest because their customers already expect a financial service at that counter.
Not to act as a serving location for Anytime Capital's platform. Anytime Capital is the registered money services business and carries the compliance programme for the activity. State law varies, so what applies to your specific store is confirmed during onboarding, and nothing here is legal advice.
None. The platform runs in a browser on a phone, tablet or the PC already behind your counter. There is no kiosk, no floor space requirement and no monthly platform fee.
One to two minutes for a first-time customer, because their identity is verified once. Under a minute for everyone after that.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where the store is and what your customers keep asking for. We will tell you what we can offer at your location.