Is Binance.US a scam?

No. Binance.US is a legitimate exchange operating since 2019. Registered with FinCEN as a money services business and licensed as a money transmitter in most states, but without a New York BitLicense; the SEC's 2023 case against Binance.US was dismissed with prejudice in May 2025.

Is Binance.US regulated in the United States?

Binance.US is a U.S.-only exchange operated by BAM Trading Services Inc., separate from Binance.com. It is not available in New York, Texas, Hawaii or Vermont, and its help center has listed additional states as unsupported or crypto-only at various times, so check the current list before signing up. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Binance.US hold my crypto?

Yes, until you withdraw it to your own wallet. Anytime Capital delivers to a wallet you control or to its free non-custodial wallet.

Can I switch from Binance.US to Anytime Capital without moving my crypto?

Yes. Withdraw from Binance.US to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with Binance.US?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Binance.US prices about 3.75% on debit card, Apple Pay and Google Pay purchases, on top of the trade, roughly 3.75% on the headline, with network fee on crypto withdrawals; free ACH cash-out. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Trust & safety

Binance.US

Our pick

Is Binance.US legit? What that does and does not mean

Binance.US is a real exchange that has operated since 2019. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

Registered with FinCEN as a money services business and licensed as a money transmitter in most states, but without a New York BitLicense; the SEC's 2023 case against Binance.US was dismissed with prejudice in May 2025.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

Binance.US vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 14.

Category	Binance.US	Our pick
Card purchase fee	About 3.75% on debit card, Apple Pay and Google Pay purchases, on top of the trade	From 4% with the spread included, quoted in full before you confirm
Trading fees	0% maker / 0.02% taker on all spot pairs since April 2026, with a few Tier 0 pairs at 0.01% taker	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Domestic wire deposits accepted in USD-enabled states; fee varies by bank	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Live chat seven days a week and support tickets; a phone line has been listed at times but is not consistently published	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Binance.US is a U.S.-only exchange operated by BAM Trading Services Inc., separate from Binance.com. It is not available in New York, Texas, Hawaii or Vermont, and its help center has listed additional states as unsupported or crypto-only at various times, so check the current list before signing up.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every account; a fully verified account is required for any trading.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Binance.US offers an OTC portal for larger trades; retail customers are otherwise on the order book	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered with FinCEN as a money services business and licensed as a money transmitter in most states, but without a New York BitLicense; the SEC's 2023 case against Binance.US was dismissed with prejudice in May 2025.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Reviewers describe chat as the only reliable route, with escalations handled by ticket.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Binance.US: About 3.75% on debit card, Apple Pay and Google Pay purchases, on top of the trade
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Binance.US: 0% maker / 0.02% taker on all spot pairs since April 2026, with a few Tier 0 pairs at 0.01% taker
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash