Neighbourhoods and corridors
Mission District · Excelsior · Fruitvale & East Oakland · San Pablo Avenue corridor, Richmond · East San Jose & Alum Rock · Redwood City — north fair oaks · Concord — Monument corridor
The Bay Area's cash economy sits in the Mission, Fruitvale, East Oakland and East San Jose — neighbourhoods where a service workforce paid in cash lives alongside the most expensive housing market in the country and banks almost entirely at the counter.
$500.00
Counter order · San Francisco Bay Area
The Bay Area contains one of the sharpest financial-access gaps in the United States. In the same county you find the highest concentration of financial technology in the world and neighbourhoods where a large share of households have no bank relationship at all and conduct their financial lives at a storefront counter.
Those counters — check cashers on Mission Street, mercados in Fruitvale, transfer windows in East San Jose — serve customers who send money to Mexico, Central America and the Philippines and who have every reason to want a faster rail.
On the ground
Check cashers, mercados and carnicerías, money transfer agencies, phone shops, convenience stores, Filipino grocery stores. These are the formats the program was designed around, and the neighbourhoods below are where they cluster.
Mission District · Excelsior · Fruitvale & East Oakland · San Pablo Avenue corridor, Richmond · East San Jose & Alum Rock · Redwood City — north fair oaks · Concord — Monument corridor
Check cashers, mercados and carnicerías, money transfer agencies, phone shops, convenience stores, Filipino grocery stores.
Mexico, El Salvador, Guatemala, Philippines, Honduras, Nicaragua — the corridors that drive stablecoin demand at a San Francisco Bay Area counter.
Spanish, English, Tagalog, Chinese. 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
The Bay Area's crypto literacy is high across the whole income distribution, but access is not. A household in the Mission that is paid in cash and has no bank relationship is locked out of essentially every consumer crypto platform in the region, despite living a mile from several of the companies that built them.
That is the gap a counter fills, and it is why store counters in these neighbourhoods can serve customers who would look, on paper, like they should not need one.
The Philippines corridor through Daly City, Vallejo and the peninsula is a large and distinct market with its own store formats.
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.
Yes, and it is stark. Crypto literacy is high across the region; access for cash-paid, thin-file households is not. Those households transact at counters, and no consumer app is built for them.
The ones with existing money services traffic — the Mission and Excelsior, Fruitvale and East Oakland, East San Jose, the Monument corridor in Concord — rather than downtown retail districts.
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.