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Are you an investor looking for the best US crypto app? Cryptocurrency trading has exploded in the US. And more people are joining crypto exchanges with the hope of making a fortune. Luckily, regulatory authorities like the New York Financial Department Services impose strict regulations on these exchanges.
Searching for the best US crypto app? Find out where to invest, trade, buy, & sell cryptocurrency with our list of the top 13 US crypto apps.
We believe Crypto.com is the best US crypto app when buying, selling, and investing in cryptocurrency. Other great US crypto apps include KuCoin, Gemini, Coinbase, Binance, Coinmama, and CEX.io, to name a few. When selecting a crypto app, state availability, security, asset storage, ease of use, and law compliance must be considered.
You have come to the right place. Our guide below looks at the various notable crypto exchanges you can check out in the country.
As an American crypto investor, there is a vast list of options for you. However, we look at the most viable options you can find.
Our picks are based on security, accessibility, reliability, and coin variety. So here are the top 13 picks worth your attention and what each offers.
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This crypto exchange platform was launched in 2016 in Hong Kong and now boasts a reach of over 90 countries globally. It is one of the leading US crypto apps to make our list for its wide variety of coins and features.
With Crypto.com, you can buy popular coins like
Alongside these coins, the platform has an NFT marketplace for US investors. Their trading fees average 0.40%; however, you can enjoy low fees if you hold a significant CRO stake.
The platform allows its customers to deposit funds using bank transfers and credit or debit cards. Upon joining Crtpto.com, you can enjoy bonuses like;
You can also get a prepaid debit card to spend your coins in the real world. To learn more about this US crypto app, check out our in-depth review.
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This crypto exchange makes our list of the best US crypto apps for its sheer amount of coins. It is based in Seychelles and boasts over 10 million active users in 200+ countries.
You can buy, trade, and trade in coins such as
You cannot buy crypto using fiat money, leaving you with the option of using a third-party app to fund the account. The third-party options include Google Pay, credit or debit card, and Apple Pay. As of this writing, KuCoin does not support bank transfers.
Their trading fees average from 0.0125% to 0.1%, depending on your tier level. There are ten tiers which you can move up as a customer, namely:
| Tier Level | 30-day trading volume (BTC) | KuCoin (KCS) balance | Maker (%) | Taker (%) |
| 1 | <1,000 | 0.10 | 0.10 | |
| 2 | ≤1,000-10,000 | 0.07 | 0.10 | |
| 3 | ≤300-500 | ≤10,000-20,000 | 0.065 | 0.10 |
| 4 | ≤500-1,000 | ≤20,000-30,000 | 0.0575 | 0.07 |
| 5 | ≤1,000-2,000 | ≤30,000-45,000 | 0.05 | 0.07 |
| 6 | ≤2,000-3,000 | ≤45,000-65,000 | 0.0425 | 0.06 |
| 7 | ≤3,000-5,000 | ≤65,000-85,000 | 0.035 | 0.06 |
| 8 | ≤5,000-10,000 | ≤85,000-110,000 | 0.0275 | 0.05 |
| 9 | ≤10,000-20,000 | ≤110,000-150,000 | 0.02 | 0.04 |
| 10 | ≤20,000 | ≤150,000 | 0.0125 | 0.03 |
While this exchange platform has strict KYC terms, it was part of a significant hack invasion in 2020. Hackers accessed $280+ million worth of crypto, but the platform had insured the assets.
For this reason, upon opening the account, you get an extra password besides your login information for withdrawals and trading. The only drawback of KuCoin is that it is not registered with any US regulatory authority.
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This exchange platform makes our best US crypto app list for its top-quality safety protocols. The New York-based crypto trading platform was launched in 2014 by the Winklevoss brothers and now boasts users from the 50 US states.
Users have access to 75+ coins and tokens alongside a reward card you can use in real-world shopping. Currencies you can access on the platform include
According to Gemini’s customer help section, you can fund your account using direct crypto deposits or fiat currency. The account is easy to create, and you can earn $100 BTC after investing $1000+ within 30 days.
Gemini is registered and regulated by the New York State Department of Financial Services (NYSDFS). And supports withdrawals in BTC, US dollars, and ETH. Its security features include
Trading fees average at $0.99 to $2.99 for trades below $200, but this changes to 1.49% above the $200 mark. However, you experience fee reduction as your trading volume rises.
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Coinbase makes our best US crypto app list for its simple user interface and popularity. It operates out of San Francisco, California. And it has a total trading volume of over $20 billion, making it the largest in the US.
It got launched in 2012 and has its shares listed on NASDAQ as a public company. Coinbase offers a significant amount of cryptocurrencies like
You can top up your Coinbase account using a Wire and Bank transfer (ACH), PayPal, Credit card, Bank transfer (SEPA), or Debit card. When buying crypto, you get charged a Coinbase alongside a spread fee.
The spread fee amounts to 0.5% of your buys and sells but is bound to fluctuate based on market prices. The Coinbase fee, on the other hand, comes as a percentage or flat fee. Here are tables showing how the percentage and flat fee compare:
For the percentage,
| Payment Method | Fee (%) |
| Immediate card withdrawal | 1.5 |
| Credit card/PayPal | 3.99 |
| Bank transfer | 1.49 |
| Coinbase transfer | 1.49 |
For the flat fee,
| Amount Spent ($) | Fee ($) |
| ≤10 | 0.99 |
| >10 but ≤25 | 1.49 |
| >25 but ≤50 | 1.99 |
| >50 but ≤200 | 2.99 |
The platform is insured and stores its customer dollar balances in Federal Deposit Insurance Corporation (FDIC) accounts. Moreover, they also have a strict offline storage policy through their custodial wallets.
After opening an account with this crypto exchange, you can enjoy a $5 BTC bonus on your first trade. You can also become a Coinbase affiliate and earn 50% of your referrals trading within the first three months. The commissions are payable through PayPal.
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The company has a dedicated US platform, Binance US, and a global platform. It makes our list of best US crypto apps for its affordability compared to other exchanges.
American users have access to 80 cryptocurrencies, but users on the global platform have more options. Currently, you can access the following notable coins,
The average trading fees on this platform stand at 0.5%. However, you can enjoy the standard 0.1% fee transacting through the exchange’s spot-on trading option. For example, when you need to buy $100 worth of bitcoins, you will get $99.99 after depositing the funds.
You can also enjoy discounts of up to 25% when you pay the fee using your Binance Coin (BNB) balance. Deposit and withdrawal methods accepted in the platform include wire transfer, Automated House Clearing (ACH), and credit/debit cards.
However, while Binance.US is dedicated to Americans all over the country, it does not cover all states. You cannot access Binance in
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Another crypto exchange making it to our best US crypto app list is Coinmama. This platform was the first in the crypto space to allow users to buy assets using credit cards.
It was founded in 2013 and has its headquarters in Ireland. The crypto exchange is unlike the others since it only offers nine cryptocurrencies, namely,
Besides credit cards, Coinmama users can also use Apple Pay, debit cards, bank transfers, and Google Pay to fund their accounts. The exchange’s trading fees are categorized into three tiers, namely
| Tier Name | Transactions within 90 days ($) | Fee (%) |
| Curious | <5000 | 3.9 |
| Enthusiast | >5000 but ≤18000 | 3.41 |
| Believer | >18000 or more than 50000 in total | 2.93 |
Upon sign-up, new customers are asked to provide a government-issued ID, passport, or license. You are also asked to enable two-factor authentication, though it is not mandatory, for enhanced account protection. This move comes from the 2019 major cyberattack that exposed user passwords and details.
Coinmama does not allow trading on its app but sells crypto from its inventory. It also doesn’t offer crypto wallet options but sends the bought coins to the crypto wallet address you provide.
Another drawback of this exchange is that it only has a mobile application for Android users. The other limitation is that Hawaii and New York residents cannot access the service. During account creation, residents from these states also get redirected to Simplex:
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CEX.io makes it to our list of best US crypto trading apps as it is one of the oldest in the crypto space. The platform launched in 2013, this London-based crypto exchange now caters to the US audience and is licensed. It is available in 99% of the countries globally and accessible to 48 American states.
The exchange offers over 100 cryptocurrencies and tokens like
The platform is registered as a Money Service Business (MSB) with FinCEN. Moreover, it has Money Transmitter Licences (MTLs), allowing its operations across 30 American states.
You can fund your CEX.IO account using Skrill, ACH, domestic wire transfer, Epay, Advcash, credit/debit cards, and Faster Payments. Trading fees average 0.01% to 0.25 for a taker and 0.15% to 0% for the maker.
The exchange holds its customers’ digital assets in cold wallets, even if they have hot wallets. However, the amount in hot wallets is dependent on a customer’s daily trading needs. The funds in hot wallets belong to the company; hence customer funds are protected in case of a security breach.
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This crypto exchange is another best US crypto app worth your attention. Through the platform, users can access different investment options such as;
There are no trading, withdrawal, or deposit fees involved; however, you will incur a spread fee. The platform states these spread fees can be higher in lower liquidity currencies and vary with the market fluctuations.
| Asset | Spread Fee (%) |
| Precious metals | 3.00 |
| Fiat currencies | 0.20 |
| Equities | 1.00 |
| Crypto | 0.8-1.2 |
Uphold has less than 100 crypto coins for its users. The notable ones are
The exchange has an autopilot feature allowing users to use dollar-cost averaging to set recurring buys. However, you are limited to one order type, limit orders. While this option can be enticing for beginners, elite traders may have to look elsewhere for advanced trading options.
Uphold uses cold storage facilities to store customer funds as they provide more security than hot wallets. Another feature is that the app uses 2-F authentication and KYC verification.
A bug bounty program also encourages individuals to report bugs for pay. Their employees undergo a thorough background check so you can rest assured any information shared with the exchange is secure.
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This exchange makes it to our list of best crypto apps in the US for its advanced trading features like margin trading. However, it is essential to note that this exchange has two platforms: regular and pro.
Beginner crypto traders will find the regular platform sufficient since the pro version is meant for experts. Kraken started in 2011 and has its headquarters in San Francisco, California.
Users can access more than 100 crypto coins, with the notable ones being
Alongside crypto coins, Kraken offers trading pairs whereby you can convert fiat currencies to other currencies. For example, you can convert your USD to CAD, among other supported currencies.
The trading experience varies with the Kraken platform. When trading on the regular Kraken platform, you will cover trading fees of 1.5% for crypto purchases and 0.9% for fiat currencies. The bank deposit fee averages at 0.5% and jumps to 3.75% + 25 Euro cents for deposits using a credit/debit card or digital wallet.
Users enjoy lower fees in the Kraken pro version depending on their 30-day trading volume. The pricing is based on a maker and taker structure. And it averages from 0.16% to 0% for a maker and 0.26 to 0.10% for the taker.
Kraken stores its customers’ reserves in cold storage and has an incentivized bug bounty program. Upon sign-up and topping up your account, you are advised to enable the two-factor login authentication for security. You can also add a layer of security by adding two-factor codes for trades and account withdrawals.
Launched in 2019, this Bahamas-based crypto exchange has risen to become one of the most popular platforms globally. It is, however, essential to note that FTX and FTX.US are not the same. The FTX platform caters to global users, while the FTX.US is meant for US residents.
Alongside crypto coins, American users can access a broad NFT marketplace for art, and virtual worlds, among other NFT types. Notable Crypto coins available on the exchange include
However, the platform does not offer coins such as Polkadot, Stellar, and Cardano. The trading experience at FTX.US follows a tiered structure based on a user’s 30-day trading insight.
The maker fee starts at 0.020% to 0.0%, while the taker fee averages from 0.070% to 0.040%. Your FTT token balance can earn you significant discounts on fees. The discounts start at 3% for less than $100 FTT to 60% for $5,000,000 FTT.
The platform’s security features include a 2-FA login and withdrawal feature, a KYC process, and a backup for its hot wallets. This crypto exchange also uses cold wallets to ensure customer funds are safe.
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Another best US crypto app finding its way to our list is the 2007-launched Tel Aviv-based exchange, eToro. It has grown to be one of the leading exchanges and recently disclosed its plan to be a public company.
One feature that has made the platform popular is the social trading feature. With this option, you can copy what successful traders are doing, and what’s more, you can follow multiple at a time.
American users can access various crypto coins, such as
The crypto exchange does not charge a complex fee structure like other players in the crypt space. Instead, its fees are based on a spread, based on the cryptocurrency you want to buy. Spread fees for stable coins like Bitcoin average at 0.75% but if looking for altcoins like Tezos, be ready to pay 5% in spread fee.
eToro has a cold storage policy designed to keep customer assets offline where they are safe from breaches. It also stores cash balances in FDIC insured accounts to protect against losses with coverage of up to $250000.
Users enjoy direct bank deposits and withdrawals alongside fiat currency deposits. This exchange also has a virtual trading feature giving beginners an educational trading experience using $100000 in virtual currency.
While the platform is open to Americans, it does not have access to all 50 states. You cannot trade cryptocurrencies if you live in
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Another crypto exchange trading app worth your attention is BlockFi. It is suitable for American traders looking to earn interest in their crypto holdings without making a sale.
This Jersey City, NJ-based crypto platform launched in 2017 and boasts over one million users. There are 13 crypto coins on its portfolio, namely
There are no trading fees incurred on the exchange; however, you have to cover a 1% spread fee. The platform also offers a one-time monthly free withdrawal on specific assets.
BlockFi offers crypto-backed loans which you can use to settle your real-world transactions. However, these loans are backed with a 50% Loan To Value (LTV).
This means the platform holds half of your crypto assets value as collateral. Upon receiving the loan, you pay an average of 4.5% and 9.75% interest alongside a 2% litigation fee.
BlockFi stores its assets in offline storage for security and has a 2F authentication procedure. While the two-factor authentication is not mandatory, the platform encourages users to activate it.
Launched late in 2019, Start App makes it to our best crypto apps for its peer-to-peer trading option. The founder company, Block Inc, formerly Square Inc, has reported a rise in the active users to about 24 million.
Unlike other crypto exchanges, this platform does not have a wide variety of coins available. Instead, it offers ETFs like bitcoin and stocks. The notable feature of this platform is that you can buy a fraction of a share of any desired blue-chip company.
Upon downloading the app and signing up, you will enjoy the simple user interface. Moreover, a referral tab on the app allows you to invite others. If they sign up and fund their account, you will receive a $15 bonus.
You can fund your account using a direct deposit or bank transfer. And you only need a $1 minimum in your account to start investing,
Cash App stores your digital assets in a custodial wallet when it comes to asset storage. However, you can withdraw your assets to a crypto wallet.
As of this writing, the platform does not offer advanced trading options to its users. Cash app makes its money by adding a spread fee to the mid-price.
As a crypto trader, whether new or elite, you want to choose the best US crypto trading app for your use. So, it is best to select the app that promises to fulfill your needs. Here are qualities you can look out for in your selection criteria.
While there are various crypto exchanges in the country, some do not have access to all 50 states. As you choose the perfect app to carry out your investments, it is essential to note its accessibility.
You do not want to lose your funds or have trouble withdrawing your profits due to non-compliance issues. For example, Binance.US is unavailable in Vermont, Hawaii, New York, Idaho, and Louisiana.
Cybercrimes targeting crypto exchanges have seen a dramatic toll recently. Moreover, if your exchange platform does not use safety measures, your digital assets are at risk of loss.
Some crypto exchanges like Uphold and Kraken have incentivized bug bounty programs. Ethical hackers are paid to test the exchange for breach-vulnerability through these programs.
The security should also extend to actions such as trades, logins, and withdrawals. Some exchange apps will ask you to set passwords to allow these actions.
The assurance that your digital assets are in safe hands is vital. While some crypto exchanges do not store customer assets, others do.
However, the best US crypto app will have these assets in cold wallets that hackers cannot access. If the crypto exchange of choice deposits customer funds into an FDIC-insured account, it is also a plus.
The way you can navigate through an app is vital in crypto trading. You want a crypto app that is easy to use, well-structured, and customizable.
While some features are set aside for advanced traders, crypto apps like Kraken have a regular and pro version. Other apps like Uphold have an autopilot feature allowing users to set up recurring buys using dollar-cost averaging.
Regulatory authorities like the New York Financial Department Services exist to regulate crypto exchanges. Crypto platforms based out of the country have to get the relevant licenses.
As you choose a crypto exchange, you want to remain vigilant to avoid scams. And suppose the regulatory authorities initiate a crackdown on non-compliant apps. In that case, you want to be on one that remains in operation.
The crypto space has various trading apps available but choosing the best fit is essential. Whether you are new or experienced with crypto trading, you may need guidance in choosing your next exchange platform.
The above list lists the 13 best US crypto exchanges worth your attention. Be sure to check out the qualities and check out what a specific platform offers. This knowledge should help you have a smooth trading experience. Thanks for checking out the best US crypto app.
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No, while Luno is available in 40 nations globally, this Singapore-based crypto platform is not available in the US. You will have to choose from the other accessible crypto exchanges.
While advanced traders are likely to love this platform’s trading features, it is not licensed in the US. It's based out of the country and has bad reviews from users, so do your diligence on whether to use it.
Due to a breach in the agreement terms, Coinbase limits a user's buy and sell actions. However, you have access to the account, and you can withdraw the balance to a verified bank account.
The best way to cash out your crypto earnings on investments is through peer-to-peer trading. You can also cash out through bitcoin ATMs, a centralized exchange, or crypto debit cards.
The right time to buy crypto is after seeing the price double or rise to a higher value than you bought it. However, also note the price can plummet since the market is volatile, so sell when you think there is no growth potential.
There are instances where people have made a fortune through crypto trading. It is a matter of buying at the right time. Because of volatility, the cryptocurrency may rise in value within a short while.
You can only buy Dogelon Mars coins through a centralized exchange like Coinbase. However, they are not bought directly but through Ethereum, and be sure to leave a sufficient amount for the fee.
No, the cryptocurrency cannot be seized unless the authority has access to your private keys. However, if there is probable cause that a specific address facilitates any criminal activities, it is subject to government seizure.
A private key proves you are the owner of a specific crypto address and is applicable in verifying transactions. It is the password to your wallet and should be kept a secret.
The best place to store your private key is to write it down on paper or in a notebook and put it in a safe place like a password-protected safe. Note that anyone can access your wallet if they see the private key, so do not screenshot it.
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