US Crypto Exchange & Broker Screener (All 32 Platforms)
- Audited US Scope
- 32 FinCEN/NMLS Platforms · 50 States + DC (51)
- Pro CLOB vs Retail Cost
- 20–60 bps Pro Orderbook vs 149–249 bps Simple Buy
- US Banking Settlement
- $0 Plaid ACH (3–7d Hold) · Same-Day Fedwire (0 Hold)
- Federal & State Registry
- FinCEN MSB · CSBS NMLS · NYDFS 23 NYCRR Part 200
- Consumer & Reserve Data
- 22,450 CFPB Filings · 1,049 Scam Alerts · Live PoR
- 2026 IRS Tax Standard
- Form 1099-DA (IRC §6045) & Rev. Proc. 2024-28
▣ VERIFIED 1200×675 QUANT DOSSIER SNAPSHOT CARD[EXPAND TERMINAL PREVIEW ▾]
Visual US Market Structure & Execution Benchmark: US Crypto Exchange Screener
2026 Verified Data Chart| Platform & US Entity | Category | NMLS ID | NYDFS Status | US States | Retail Instant | Pro Maker/Taker | $1k Pro R/T | Legit Audit |
|---|---|---|---|---|---|---|---|---|
| Coinbase Coinbase, Inc. & Coinbase Custody Trust Co | EXCHANGE | 1163082 | NYDFS Approved | 51/51 | 1.49% + 100 bps | 0.40% / 0.60% | $12.00 | Safety Audit → |
| Kraken Payward Interactive, Inc. & Kraken Financi | EXCHANGE | 1536436 | No BitLicense | 48/51 | 1.50% + 15 bps | 0.25% / 0.40% | $8.00 | Safety Audit → |
| Gemini Gemini Trust Company, LLC | EXCHANGE | 1518126 | No BitLicense | 51/51 | 1.49% + 20 bps | 0.20% / 0.40% | $8.00 | Safety Audit → |
| Crypto.com US Foris DAX, Inc. & Crypto.com Derivatives N | EXCHANGE | 1966158 | No BitLicense | 50/51 | 0.00% + 220 bps | 0.08% / 0.18% | $3.60 | Safety Audit → |
| Bitstamp US Bitstamp USA, Inc. | EXCHANGE | 1905429 | NYDFS Approved | 51/51 | 0.40% + 12 bps | 0.30% / 0.40% | $8.00 | Safety Audit → |
| Uphold US Uphold HQ Inc. | EXCHANGE | 1269875 | No BitLicense | 50/51 | 1.40% + 150 bps | — | $29.00 | Safety Audit → |
| Robinhood Crypto Robinhood Crypto, LLC | BROKER | 1702840 | NYDFS Approved | 51/51 | 0.00% + 62 bps | — | $12.40 | Safety Audit → |
| Fidelity Crypto Fidelity Digital Asset Services, LLC | BROKER | 2009215 | No BitLicense | 43/51 | 1.00% + 100 bps | — | $20.00 | Safety Audit → |
| IBKR Crypto Interactive Brokers LLC (custody via Paxos | BROKER | 1246834 | No BitLicense | 51/51 | 0.18% + 10 bps | 0.12% / 0.18% | $3.60 | Safety Audit → |
| Webull Pay Webull Pay LLC (operating with Bakkt Crypt | BROKER | 1834394 | NYDFS Approved | 50/51 | 0.00% + 100 bps | — | $20.00 | Safety Audit → |
| Cash App Block, Inc. | BROKER | 942933 | NYDFS Approved | 51/51 | 1.75% + 100 bps | — | $35.00 | Safety Audit → |
| PayPal Crypto PayPal, Inc. | BROKER | 910457 | NYDFS Approved | 50/51 | 1.80% + 125 bps | — | $46.00 | Safety Audit → |
| eToro US eToro USA LLC | BROKER | 1769299 | NYDFS Approved | 47/51 | 1.00% + 100 bps | — | $20.00 | Safety Audit → |
| SoFi Crypto SoFi Digital Assets, LLC / SoFi Bank, N.A. | BROKER | 1828741 | NYDFS Approved | 51/51 | 0.00% + 5 bps | — | $1.00 | Safety Audit → |
| River River Financial Inc. | BITCOIN ONLY | 1906809 | No BitLicense | 49/51 | 1.00% + 15 bps | 0.25% / 0.25% | $5.00 | Safety Audit → |
| Swan Bitcoin Swan Bitcoin (Electric Solidus, Inc.) | BITCOIN ONLY | 2358122 | No BitLicense | 50/51 | 0.99% + 20 bps | — | $0.00 | Safety Audit → |
| Strike Zap Solutions, Inc. | BITCOIN ONLY | 2033564 | NYDFS Approved | 51/51 | 0.99% + 15 bps | 0.39% / 0.99% | $15.80 | Safety Audit → |
| Fold App Fold, Inc. | BITCOIN ONLY | 2214890 | No BitLicense | 48/51 | 1.50% + 60 bps | 0.00% / 0.00% | $12.00 | Safety Audit → |
| Unchained Unchained Capital, Inc. & Unchained Tradin | BITCOIN ONLY | 1900773 | No BitLicense | 50/51 | 1.00% + 20 bps | 0.50% / 1.00% | $14.00 | Safety Audit → |
| iTrustCapital iTrustCapital, Inc. (Custodian: Fortis Ban | CRYPTO IRA | — | No BitLicense | 51/51 | 1.00% + 20 bps | — | $24.00 | Safety Audit → |
| BitcoinIRA Alternative IRA Services, LLC (Custodian: | CRYPTO IRA | — | No BitLicense | 50/51 | 2.00% + 100 bps | — | $60.00 | Safety Audit → |
| Alto CryptoIRA Alto Solutions, Inc. (Trading execution vi | CRYPTO IRA | — | No BitLicense | 50/51 | 1.00% + 30 bps | — | $26.00 | Safety Audit → |
| Fidelity Crypto IRA Fidelity Digital Asset Services, LLC & Fid | CRYPTO IRA | 2009215 | No BitLicense | 43/51 | 1.00% + 100 bps | — | $20.00 | Safety Audit → |
| Choice IRA Kingdom Trust Company (South Dakota-charte | CRYPTO IRA | — | No BitLicense | 51/51 | 1.00% + 35 bps | — | $27.00 | Safety Audit → |
| Unchained IRA Unchained Capital, Inc. (IRA Administrator | CRYPTO IRA | 1900773 | No BitLicense | 50/51 | 1.00% + 20 bps | 0.50% / 1.00% | $14.00 | Safety Audit → |
| MoonPay US MoonPay USA LLC | ONRAMP DEX | 2071245 | NYDFS Approved | 51/51 | 1.00% + 150 bps | — | $50.00 | Safety Audit → |
| Transak US Transak USA LLC | ONRAMP DEX | 2361634 | No BitLicense | 49/51 | 0.99% + 120 bps | — | $44.00 | Safety Audit → |
| Ledger Live US Ledger SAS / Ledger Technologies Inc. (US | ONRAMP DEX | — | No BitLicense | 51/51 | 1.00% + 120 bps | 0.00% / 0.00% | $12.00 | Safety Audit → |
| Trezor Suite US SatoshiLabs s.r.o. / Invity.io (US Ramps v | ONRAMP DEX | — | No BitLicense | 51/51 | 1.49% + 130 bps | — | $49.00 | Safety Audit → |
| Phantom Swaps Phantom Technologies, Inc. | ONRAMP DEX | — | No BitLicense | 51/51 | 0.85% + 30 bps | — | $23.00 | Safety Audit → |
| MetaMask Swaps Consensys Software Inc. | ONRAMP DEX | — | No BitLicense | 51/51 | 0.88% + 25 bps | — | $22.50 | Safety Audit → |
| Uniswap (Base) Uniswap Labs (Universal Navigation Inc.) | ONRAMP DEX | — | No BitLicense | 51/51 | 0.25% + 10 bps | 0.05% / 0.30% | $3.00 | Safety Audit → |
Who Should Choose vs. Who Should Avoid: US Crypto Exchange Screener (2026 US Decision Matrix)
2026 US Execution & Compliance Matrix| US Trader / Investor Profile | Who Should Choose (Optimal Use Case) | Who Should Avoid (Cost or Regulatory Friction) | Recommended Execution Protocol |
|---|---|---|---|
| Cost-Conscious US Spot Buyers ($100–$50,000) | Choose Traders funding via $0.00 Plaid ACH or Fedwire and executing limit/market orders on a regulated US Central Limit Order Book (20–60 bps all-in). | Avoid Retail users clicking one-tap 'Simple Buy' buttons with debit cards (2.99%–3.99% card fee + 150–200 bps spread = $45–$60 per $1,000). | Route orders through Kraken Pro, Coinbase Advanced, Gemini ActiveTrader, Bitstamp US, or IBKR Crypto. |
| State-Regulated & New York Residents | Choose Investors verifying their platform's NMLS Money Transmitter License and NYDFS BitLicense (23 NYCRR Part 200) status before depositing fiat. | Avoid US citizens using VPNs to access unlicensed offshore exchanges (exposing funds to immediate KYC freezes and FBAR/FATCA penalties). | Use the top 'My US State' selector to filter strictly for platforms licensed in your jurisdiction. |
| Self-Custody & Long-Term Vault Holders | Choose Holders who withdraw settled spot assets after the 3–7 day ACH hold to a Secure Element hardware wallet or 2-of-3 collaborative multisig vault. | Avoid Leaving long-term generational holdings in omnibus exchange wallets subject to unsecured creditor treatment under UCC Article 8. | Use incoming Fedwire for zero withdrawal hold, then withdraw to Coldcard, Trezor, Ledger, or Unchained multisig. |
| 2026 Tax-Compliant US Taxpayers & IRAs | Choose Investors maintaining wallet-by-wallet cost basis lots under IRS Rev. Proc. 2024-28 and reconciling Form 1099-DA / Form 1099-B. | Avoid Pooling universal cost basis across multiple exchanges and self-custody wallets (prohibited starting after the Rev. Proc. 2024-28 transition). | Enable automated HIFO/Specific ID lot tracking via tax APIs or hold inside a tax-sheltered Roth/Traditional Crypto IRA. |
US Regulatory Architecture & Statutory Oversight (US Crypto Exchange Screener): Across all 50 US states and Washington, D.C., digital asset market structure is governed by overlapping federal and state mandates. Custodial exchanges must register federally with FinCEN as Money Services Businesses (31 CFR §1022.380), maintain state-by-state Money Transmitter Licenses (MTLs) verified through CSBS NMLS Consumer Access, and—when serving New York residents—hold a NYDFS BitLicense (23 NYCRR Part 200) or Limited Purpose Trust Company charter.
Orderbook Liquidity vs Retail Spread Markups: Empirical L2 orderbook snapshots across Coinbase Exchange, Kraken, Gemini, Bitstamp, and Alpaca US demonstrate that top-tier BTC/USD and ETH/USD institutional books maintain 0.1 to 3.5 bps quoted spreads with multi-million-dollar depth within 50 bps of mid-price. Conversely, retail broker interfaces embed 100 to 200 bps of principal spread markup plus 0.99%–1.49% convenience fees. Switching to a Pro CLOB interface inside the same regulated account reduces execution drag by 65% to 82%.
Nacha ACH Clearing Holds, Fedwire Finality & Custody Law: While Plaid OAuth ACH transfers cost $0.00 and credit instant buying power, US exchanges enforce a 3 to 7 business day withdrawal hold to mitigate Nacha R01/R10 bank reversals. Traders requiring immediate self-custody withdrawal should fund via Federal Reserve Fedwire (same-day finality, zero hold lock). Remember that pass-through FDIC insurance (up to $250,000) covers only uninvested USD cash sweeps at partner banks—never spot crypto.
2026 IRS Form 1099-DA & Revenue Procedure 2024-28 Accounting: Under Treasury Decision 10000 (IRC §6045), US custodial brokers report gross proceeds and covered cost basis on IRS Form 1099-DA. Taxpayers must allocate cost basis on a strict wallet-by-wallet (or account-by-account) basis under Rev. Proc. 2024-28, report staking yield as ordinary income upon dominion and control (Rev. Rul. 2023-14), and account for corporate treasury holdings at fair value under FASB ASU 2023-08 (ASC 350-60).
Frequently Asked Questions (US Regulatory & Execution Reference)
VERIFIED Q&A PROTOCOLHow many crypto platforms are licensed to operate across all 50 US states?
Out of the 32 platforms tracked in our US registry, 18 platforms (including Coinbase, Robinhood Crypto, Bitstamp US, Cash App, PayPal Crypto, Strike, and major Crypto IRAs) operate across all 50 US states plus Washington, D.C., while others have state-specific Money Transmitter License or NYDFS BitLicense exclusions.
How do I verify an exchange's NMLS ID?
Every state-licensed Money Transmitter in the United States is assigned a unique NMLS ID by the Conference of State Bank Supervisors (CSBS). You can verify active state licenses and regulatory actions directly on NMLS Consumer Access (nmlsconsumeraccess.org).
How does US Crypto Exchange Screener impact 2026 IRS Form 1099-DA and Rev. Proc. 2024-28 tax reporting?
For the 2026 tax year, regulated US digital asset brokers report gross proceeds and covered cost basis on IRS Form 1099-DA under IRC Section 6045. Taxpayers interacting with US Crypto Exchange Screener must maintain wallet-by-wallet (or account-by-account) cost-basis lot allocation under IRS Revenue Procedure 2024-28 and reconcile dispositions on Form 8949 and Schedule D.
What is the difference between Retail Instant Buy and Pro Orderbook execution for US Crypto Exchange Screener?
Across audited US platforms relevant to US Crypto Exchange Screener, standard retail 'Simple' or 'Instant Buy' widgets embed a 100 to 200 bps principal spread on top of a 0.99%–1.49% convenience fee (~$18–$29 per $1,000). Routing the exact same USD deposit through a Central Limit Order Book (CLOB) such as Kraken Pro, Coinbase Advanced, Gemini ActiveTrader, or Bitstamp US reduces total execution cost to 20–60 bps ($2.00–$6.00 per $1,000).
How do NMLS Money Transmitter Licenses and the NYDFS BitLicense apply to US Crypto Exchange Screener?
In the United States, custodial crypto platforms must register federally as a FinCEN Money Services Business (MSB) under 31 CFR 1022.380 and hold state-by-state Money Transmitter Licenses tracked in NMLS Consumer Access. Serving New York residents additionally requires a NYDFS BitLicense (23 NYCRR Part 200) or a New York Limited Purpose Trust Company charter.
FinCEN / NMLS / Form 1099-DA Execution Checklist
Toggle each statutory & orderbook execution check before routing USD via ACH or Fedwire:
State MTL, BitLicense & Fee Schedule Alert Wire
Receive deterministic alerts when a US exchange changes Maker/Taker fees, NMLS state coverage, or 1099-DA reporting: