Can Americans use LBank?

No. LBank's user agreement excludes residents of the United States, it holds no U.S. license, and it has no separate U.S. entity. Anytime Capital serves customers worldwide, the U.S. included, with card, ACH, wire, Cash App and cash.

Not by any major regulator. LBank is registered in the British Virgin Islands and describes registrations in other jurisdictions, but it is not licensed by FinCEN, any U.S. state, or a national financial regulator. Anytime Capital is a FinCEN-registered U.S. money services business.

What are LBank's fees?

0.1% for makers and takers on spot at the base tier, and 0.02% maker and 0.06% taker on futures. Crypto withdrawals carry a per-coin fee set by LBank; there are no bank rails.

Does LBank require KYC?

Not for basic trading and crypto deposits, which are allowed with a daily withdrawal cap. Higher limits require a government ID and a selfie, and LBank can demand verification before releasing a withdrawal at any time.

Does LBank have a phone number?

No. LBank support is 24/7 live chat and tickets. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

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

Yes. Withdraw from LBank 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 LBank?

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. LBank prices third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail, with a per-coin network fee set by LBank, which reviewers note runs above the on-chain cost on some networks. 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.

Head to head

LBank

Our pick

LBank vs Anytime Capital

LBank is an offshore altcoin exchange: 900-plus tokens, a British Virgin Islands registration, and a user agreement that excludes Americans. Anytime Capital is a U.S. money services business that serves customers worldwide, with a branch in Atlanta, a phone number, card pricing from 4% with the spread included, and nine ways to pay in dollars. Here is the honest breakdown.

LBank: U.S. residents excluded, no fiat rails, no regulator you can name
Anytime Capital: cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

LBank vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 13.

Category	LBank	Our pick
Card purchase fee	Third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.1% maker and taker on spot at the base tier, 0.02% maker and 0.06% taker on futures	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	Not offered; no fiat rails for U.S. customers	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	24/7 live chat and support tickets; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	LBank does not serve U.S. customers. Its user agreement excludes residents of the United States, it holds no U.S. license, and there is no separate U.S. entity.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point.	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	Deep books on a few majors, thin on most of its 900-plus listings; no U.S. OTC desk	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 in the British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.	U.S.-based, FinCEN-registered money services business

Card purchase fee

LBank: Third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

LBank: 0.1% maker and taker on spot at the base tier, 0.02% maker and 0.06% taker on futures
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash