Binance.US vs Gemini

Binance.US4.1/5

VS

Gemini3.4/5

Feature	Binance.USVisit	GeminiVisit
Ratings
Our score	4.1/5	3.4/5
User rating	No reviews yet	No reviews yet
Fees	5.0	3.0
Security & trust	4.0	4.0
Asset selection	4.0	3.0
Ease of use	4.0	3.5
Support	3.5	3.0
Specs
Markets	Spot, OTC	Spot, OTC
Maker fee	0%	0.2%
Taker fee	0.02%	0.4%
Coins listed	200	74
Fiat deposit methods	Bank transfer, Card, Apple Pay, Google Pay, ACH	Not disclosed
KYC required	Yes	Not disclosed
Accepts US customers	Yes	Yes
Proof of reserves	Yes	Yes
Staking / earn	Yes	Yes
Mobile app	Yes	Yes
Licenses & registrations	FinCEN MSB, 32 US State Money Transmitter Licenses	New York Department of Financial Services Limited Purpose Tr, French crypto registration
Security features	U.S.-based cold storage, Multi-factor authentication, SOC 2 Type II certified, ISO 27001 certified, ISO 27701 certified	Cold storage, Hardware security key support, Withdrawal address allowlisting, SOC 1 Type 2, SOC 2 Type 2, ISO 27001, Captive insurance for hot wallet theft
Futures & perpetuals	No	Not disclosed
Copy trading	No	Not disclosed
P2P market	No	Not disclosed
Earn / savings products	Yes	Yes
User protection fund	No	Not disclosed
Referral program	Yes	Not disclosed
Company
Founded	2019	2014
Headquarters	United States	United States
Investors	RRE Ventures, Circle Ventures, Foundation Capital, Original Capital +1	D1 Capital Partners
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	New York trust-company charter with NYDFS oversight Periodic proof-of-reserves reporting for customer funds ActiveTrader maker fees start at 0.20% Hardware security-key support and withdrawal allowlisting
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	Standard interface fees total 2.49% before other costs Centralized custody exposes funds to platform and withdrawal risk Gemini Earn shut down after Genesis suspended withdrawals SEC and CFTC actions affected Gemini products and operations
Best for	U.S. spot traders placing limit orders, Investors seeking zero-fee ACH deposits, Proof-of-stake crypto holders earning rewards	US crypto investors, Regulation-focused traders, Institutional custody clients

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.