Institutional liquidity and turnkey trading infrastructure supporting over 1,500 instruments
KYC requiredSpot · Margin +2Futures & perpetualsBank transfer · Card
Currency.com
Regulated crypto exchange and payments platform operating across the US, Europe, and over 100 countries
3.5/ 5
Our score
Good
KYC required
Yes
Accepts US customers
Yes
What is Currency.com?
Currency.com is a centralized crypto exchange and financial technology platform providing spot trading, cross-border payments, and card services. Currency.com provides spot trading, cross-border payments, and card services for personal and business accounts.
Leadership and corporate background
Currency.com was founded in 2018 and has primary corporate offices in Jersey City, the United States, alongside regional offices in Gibraltar and Poland. In April 2025, the company underwent an acquisition and appointed Konstantin Anissimov as chief executive officer. Anissimov, an Executive MBA graduate from the University of Cambridge, previously worked as a chief technology officer at a London Stock Exchange AIM-listed firm before spending five years in executive leadership roles across digital assets and financial technology.
Platform services and fee structure
Currency.com links spot crypto trading with fiat bank accounts. Users can link personal or business bank accounts for multi-currency support and send and receive cross-border payments across more than 100 countries. Alongside spot exchange execution, the platform provides the Currency.com Spend Card, a Visa card available in virtual and physical metal formats compatible with Apple Pay and Google Pay. The spend card carries no monthly fees and no activation fees.
Regulatory licensing and availability
The exchange is accessible to individuals and corporate entities in the United States, Europe, and more than 120 countries globally. In the United States, Currency Com US LLC is registered as a FinCEN Money Services Business (MSB: 31000313641429) and holds state money transmitter licenses in jurisdictions including Georgia, Tennessee, Alabama, and Washington. Internationally, Currency.com secured a distributed ledger technology (DLT) license from the Gibraltar Financial Services Commission in July 2020. Identity verification is mandatory for all clients, requiring official government identification and a biometric liveness scan; proof of address may also be requested before trading.
Custody and operational trade-offs
As a centralized platform, Currency.com holds custody of user balances. Virtual currencies deposited on the platform lack legal tender status and are not protected by FDIC or SIPC insurance. While state money transmitter licenses govern fiat fund transmission, virtual currency custody falls outside standard banking protections.
Founders
Konstantin AnissimovCEO
Best for:US and European crypto spendersBusinesses managing multi-currency transfersUsers needing Visa crypto debit cards
Pros and cons
Pros
- Has a Gibraltar GFSC DLT license and US FinCEN MSB registration
- Visa spend card has no monthly maintenance fees and no activation fees
- Serves personal and corporate accounts in more than 120 countries, including the US
- Direct bank linking supports multi-currency fiat transfers alongside crypto operations
Cons
- Mandatory KYC requires identity documents and liveness testing; proof of address may also be requested
- Cryptocurrency balances lack FDIC or SIPC deposit protection
- Centralized custody requires users to surrender private keys to the platform
Our review
3.5/5
Good
Currency.com provides multi-currency crypto trading and card payments across regulated jurisdictions, though mandatory verification and centralized custody limit flexibility.
Currency.com is a centralized crypto exchange and digital payments platform founded in 2018 and headquartered in Jersey City. Following its acquisition in April 2025, the company appointed Konstantin Anissimov, a former CTO and Cambridge Executive MBA graduate, as chief executive officer. The platform operates across the United States, Europe, and more than 120 countries, combining digital asset trading with linked personal and business bank accounts and cross-border payments.
In the United States, Currency Com US LLC is registered with FinCEN as a Money Services Business (MSB 31000313641429) and holds state money transmitter licenses in jurisdictions including Georgia, Tennessee, Alabama, and Washington. Internationally, it carries a distributed ledger technology (DLT) license from the Gibraltar Financial Services Commission (GFSC). Because it operates within formal regulatory frameworks, identity verification (KYC) is mandatory for all accounts, requiring government-issued identification and a biometric liveness scan; proof of address may also be requested before trading.
Beyond spot exchange services, the platform features the Currency.com Spend Card. Issued in virtual and physical metal formats via the Visa network, it supports Apple Pay and Google Pay without charging monthly or activation fees. Users can also access fiat on-ramps through linked bank accounts, cross-border digital payments across 100+ nations, and collateralized crypto borrowing facilities. However, user balances and digital asset transmissions are not backed by FDIC or SIPC deposit protections, making users reliant on the platform's solvency and custody setup.
Currency.com suits traders and commercial entities seeking an exchange with explicit US and European regulatory registrations alongside integrated Visa spending.
Specs
| Markets | Spot · unverified |
|---|---|
| Fiat deposit methods | Bank transfer, Apple Pay, Google Pay · unverified |
| KYC required ⓘ | Yes · unverified |
| Accepts US customers | Yes · unverified |
| Mobile app | Yes · unverified |
| Licenses & registrations | FinCEN MSB, Gibraltar GFSC DLT, US State Money Transmitter Licenses · unverified |
| Security features | 2FA, Liveness check · unverified |
Not disclosed by the provider: Maker fee, Taker fee, Coins listed, Proof of reserves, Staking / earn, Futures & perpetuals, Max leverage (x), Copy trading, P2P market, Earn / savings products, User protection fund, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Spot digital asset exchange
Executes spot cryptocurrency conversions and asset trades linked directly to multi-currency fiat bank accounts.
Visa spend card
Offers virtual and physical metal Visa cards with Apple Pay and Google Pay support, zero activation fees, and zero monthly fees.
Cross-border business payments
Processes inbound and outbound digital and fiat transfers for personal and corporate accounts across more than 100 countries.
Collateralized crypto loans
Provides liquidity through loans backed by cryptocurrency collateral.
Mobile management app
Allows traders to monitor live market pricing, execute conversions, and set debit card spending limits on iOS and Android devices.
Inside Currency.com
Currency.com Trading and Exchange
Multi-currency digital asset platform supporting instant crypto exchange and spot trading linked to personal or business bank accounts.
Currency.com Spend Card
Virtual and physical metal Visa payment cards integrated with Apple Pay and Google Pay, operating with no monthly or activation fees.
Global Payments and Transfers
A borderless transfer service enabling personal and corporate cross-border payments across more than 100 countries.
Crypto Loans
A lending service that supplies liquidity by allowing users to borrow funds against cryptocurrency collateral.
Currency.com screenshots
What users say about Currency.com
The few public references consist mostly of passing mentions or discussions of unrelated topics.
Based on 5 Reddit posts and comments from the last 12 months, checked Oct 27, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Currency.com? Share your experience below.
FAQ
Who runs Currency.com?
Konstantin Anissimov serves as chief executive officer, appointed in April 2025 following the company's acquisition.
Is KYC required to use Currency.com?
Yes, Currency.com requires identity verification for all users. You must submit a valid government ID and complete a camera liveness test; proof of address may also be requested.
Where is Currency.com licensed?
Currency.com is registered as an MSB with FinCEN, holds US state money transmitter licenses in states like Georgia and Tennessee, and maintains a DLT license from the Gibraltar Financial Services Commission.
Are deposits on Currency.com insured by the FDIC?
No, digital asset balances on Currency.com are not legal tender and are not protected by FDIC or SIPC insurance.
Does the Currency.com spend card charge a monthly fee?
No, Currency.com offers both virtual and physical metal Visa cards with zero monthly fees and zero activation charges.
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