No. Exodus is a legitimate wallet operating since 2015. Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.

Is Exodus regulated in the United States?

Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Exodus hold my crypto?

No. Exodus delivers to a wallet you control, the same way Anytime Capital does.

Can I switch from Exodus to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Exodus?

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. Exodus prices no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee, with none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set. 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

Exodus

Our pick

Is Exodus legit? What that does and does not mean

Exodus is a real wallet that has operated since 2015. 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.

Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.
Delivers coins to a wallet you control

Exodus 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	Exodus	Our pick
Card purchase fee	No card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered; bank funding is the partner's ACH where available	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	24/7 email and in-app support tickets; no phone line, and Exodus warns that any phone number claiming to be Exodus support is a scam	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	The wallet itself asks for nothing, not even an email; buying runs the partner's verification, with a government ID and a selfie on the first purchase.	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	Limits are the partner's verification tiers; no desk for a large order	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Exodus support is well regarded for wallet questions, but a purchase problem belongs to MoonPay or Ramp and Exodus can only point you there.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Exodus: No card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Exodus: ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash