Binance.US vs WhiteBIT

Binance.US4.1/5

VS

WhiteBIT3.7/5

Feature	Binance.USVisit	WhiteBITVisit
Ratings
Our score	4.1/5	3.7/5
User rating	No reviews yet	No reviews yet
Fees	5.0	3.5
Security & trust	4.0	4.0
Asset selection	4.0	3.5
Ease of use	4.0	4.0
Support	3.5	3.5
Specs
Markets	Spot, OTC	Spot, Futures, Copy trading
Maker fee	0%	Not disclosed
Taker fee	0.02%	Not disclosed
Coins listed	200	Not disclosed
Fiat deposit methods	Bank transfer, Card, Apple Pay, Google Pay, ACH	Bank transfer, Card, SEPA
KYC required	Yes	Yes
Accepts US customers	Yes	No
Proof of reserves	Yes	Not disclosed
Staking / earn	Yes	Yes
Mobile app	Yes	Not disclosed
Licenses & registrations	FinCEN MSB, 32 US State Money Transmitter Licenses	Austria FMA MiCA License, National Bank of Georgia Broker License
Security features	U.S.-based cold storage, Multi-factor authentication, SOC 2 Type II certified, ISO 27001 certified, ISO 27701 certified	API key IP whitelisting, Segregated sub-accounts
Futures & perpetuals	No	Yes
Copy trading	No	Yes
P2P market	No	Not disclosed
Earn / savings products	Yes	Yes
User protection fund	No	Not disclosed
Referral program	Yes	Yes
Company
Founded	2019	2018
Headquarters	United States	Lithuania
Investors	RRE Ventures, Circle Ventures, Foundation Capital, Original Capital +1	Not 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	Holds a MiCA license from the Austrian Financial Market Authority Direct EUR deposits and payouts supported via SEPA Segregated sub-account architecture for institutional lending and trading MCP server and CLI for terminal-based and programmatic trading
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	Does not accept customers from the US, the UK, or Canada Centralized custody exposes funds to counterparty risk Derivatives are not covered under its EEA MiCA authorization No public testnet sandbox for testing API integrations
Best for	U.S. spot traders placing limit orders, Investors seeking zero-fee ACH deposits, Proof-of-stake crypto holders earning rewards	EEA residents trading spot with euros, Institutional partners needing sub-account APIs, Traders using AI automation tools

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