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Binance.US vs Cash App

How Binance.US vs Cash App compare on our ratings, exchange specs, funding, pros and cons.

Binance.US4.1/5
VS
Cash App3.1/5
Feature
Binance.USVisit
Cash AppVisit
Ratings
Our score4.1/53.1/5
User ratingNo reviews yetNo reviews yet
Fees5.03.0
Security & trust4.03.5
Asset selection4.01.5
Ease of use4.04.5
Support3.53.0
Specs
MarketsSpot, OTCSpot, P2P
Maker fee0%Not disclosed
Taker fee0.02%Not disclosed
Coins listed2001
Fiat deposit methodsBank transfer, Card, Apple Pay, Google Pay, ACHBank transfer, Card, ACH, P2P
KYC required Yes Yes
Accepts US customers Yes Yes
Proof of reserves YesNot disclosed
Staking / earn Yes No
Mobile app Yes Yes
Licenses & registrationsFinCEN MSB, 32 US State Money Transmitter LicensesBitLicense (NYDFS), NMLS #942933, FINRA/SIPC Broker-Dealer (Cash App Investing LLC)
Security featuresU.S.-based cold storage, Multi-factor authentication, SOC 2 Type II certified, ISO 27001 certified, ISO 27701 certifiedSecurity Lock, Card lock, 24/7 fraud monitoring, FDIC pass-through insurance
Futures & perpetuals No No
Copy trading No No
P2P market No Yes
Earn / savings products Yes Yes
User protection fund NoNot disclosed
Referral program YesNot disclosed
Company
Founded20192013
HeadquartersUnited StatesUnited States
InvestorsRRE Ventures, Circle Ventures, Foundation Capital, Original Capital +1Not disclosed
Strengths and weaknesses
Pros
  • 0% maker fees across all 250+ spot trading pairs
  • Zero-fee fiat deposits and withdrawals through bank ACH transfers
  • SOC 2 Type II and ISO 27001 third-party security audits
  • Staking support across 25+ proof-of-stake cryptocurrencies
  • Supports direct on-chain Bitcoin deposits and withdrawals
  • Automatic withdrawal integration with Bitkey self-custody hardware
  • Holds a New York BitLicense and nationwide US money transmitter licenses
  • Direct round-ups convert debit purchases into Bitcoin
Cons
  • Unavailable to residents in 16 U.S. jurisdictions, including New York and Texas
  • ACH fiat deposits carry a mandatory 7-day withdrawal hold
  • Centralized custody model requires full trust in the exchange for fund safety
  • Mandatory KYC identity verification required before trading or depositing
  • Bitcoin is the only supported cryptocurrency asset
  • Restricted exclusively to residents of the United States
  • No traditional order book or maker-taker discount tiers
  • Settled an $80 million compliance penalty with 48 states in 2025
Best forU.S. spot traders placing limit orders, Investors seeking zero-fee ACH deposits, Proof-of-stake crypto holders earning rewardsUS retail Bitcoin beginners, Casual DCA Bitcoin buyers, Bitkey hardware wallet users

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