How long does Upbit verification take?

Koreans with a K Bank account are usually approved the same day; anyone without one never gets past the bank-linking step.

Can I use Upbit without KYC?

No. Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all. Anytime Capital is the same: verification is required before you can transact, because it is the law for a registered U.S. money services business.

Can I verify with Anytime Capital in person?

Yes. Bring your government ID to the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 during business hours, or verify online and call (470) 748-2530 if anything stalls.

Can a foreigner open an Upbit account?

Only a foreign resident of Korea holding an Alien Registration Card, a Korean phone number and a K Bank account in the same name, and many report failing at the bank step. Nonresidents, including anyone in the United States, cannot register.

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

Yes. Withdraw from Upbit 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 Upbit?

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. Upbit prices no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture, with a fixed per-coin network fee published on the withdrawal screen. 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.

Verification

Upbit

Our pick

Upbit KYC: what it asks for, how long it takes, and why it stalls

Yes, Upbit requires KYC, and so does every legitimate platform. The difference between platforms is not whether they verify you but what happens when the automated check says no.

Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all.
Koreans with a K Bank account are usually approved the same day; anyone without one never gets past the bank-linking step.

Upbit vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 of 15.

Category	Upbit	Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026	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 available; U.S. dollars cannot be deposited at all	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Korean-language 1:1 inquiries in the app and a Korean customer center; no English or U.S. 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	Upbit does not serve U.S. customers. It is a Korean-won exchange that requires a Korean real-name bank account, and its separately run Singapore, Indonesia and Thailand affiliates also exclude U.S. residents.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all.	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 KRW order books but no service outside Korea; 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 as a virtual asset service provider with South Korea's Financial Intelligence Unit under the Special Financial Transactions Act, with a real-name account partnership with K Bank; sanctioned by the FIU in 2025 for KYC and travel-rule failures.	U.S.-based, FinCEN-registered money services business
Documents to start	Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all.	Government ID and selfie
When verification stalls	Support is built for Korean residents in Korean. There is no U.S. number, no English chat, and no way to visit anyone.	Call the branch or verify in person

Card purchase fee

Upbit: No card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Upbit: 0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash