Country Guide
Best Crypto Exchanges in the United States (2026)
The United States has the world's largest regulated cryptocurrency market. We've tested and compared the top US-compliant exchanges with USD deposits, strong security, and competitive fees.
By Itai Varochik | Updated February 21, 2026
Top Exchanges in United States
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | Coinbase | Beginners & compliance | 0.4% maker | US (publicly traded) |
| 2 | Kraken | Advanced trading | 0.16% maker | US-based |
| 3 | Gemini | Security & insurance | 0.2% maker | US (NY regulated) |
| 4 | Crypto.com | Mobile trading | 0.075% maker | Global (US compliant) |
| 5 | Robinhood | Commission-free | 0% (spread) | US (publicly traded) |
The United States is the world's largest cryptocurrency market, with a complex regulatory landscape involving multiple federal and state agencies. American traders have access to a range of regulated exchanges, each offering different features, fee structures, and supported cryptocurrencies.
How We Chose the Best Exchanges for the US
We evaluated exchanges on regulatory compliance (FinCEN registration, state money transmitter licenses, SEC and CFTC compliance), USD deposit methods (ACH, wire, debit card), trading fees, security measures, available cryptocurrencies, and customer support quality.
Key Considerations for US Traders
Regulatory compliance is paramount for US traders. Only use exchanges that are registered with FinCEN and hold appropriate state licenses. The IRS requires reporting of all crypto transactions, and many exchanges issue 1099 forms. Some tokens available on international exchanges may not be offered on US platforms due to SEC restrictions.
Payment Methods
ACH bank transfers are the most common and cost-effective method for USD deposits (often free). Wire transfers are available for larger amounts. Debit card purchases are instant but carry higher fees. Some exchanges support PayPal and Apple Pay.
Tax Reporting
The IRS treats cryptocurrency as property. All dispositions (sales, trades, spending) are taxable events. Short-term gains (held less than 1 year) are taxed as ordinary income. Long-term gains (held over 1 year) receive preferential rates of 0%, 15%, or 20%. Exchanges operating in the US typically provide tax reporting documents.
Crypto Regulations in United States
US cryptocurrency regulation involves multiple agencies: FinCEN (anti-money laundering), SEC (securities), CFTC (commodities/derivatives), and state regulators (money transmitter licenses). Exchanges must register as Money Services Businesses with FinCEN and obtain state-by-state licenses. The IRS treats crypto as property, requiring reporting of all transactions. Tax rates vary from 0% to 37% depending on holding period and income level.
Frequently Asked Questions
Is cryptocurrency legal in the United States?
Yes, cryptocurrency is legal in the United States. It is regulated by multiple federal agencies including FinCEN, the SEC, and the CFTC, as well as state-level regulators.
How is crypto taxed in the US?
The IRS treats crypto as property. Short-term gains (under 1 year) are taxed as ordinary income (10%–37%). Long-term gains (over 1 year) are taxed at 0%, 15%, or 20%. All transactions must be reported.
Which exchange is safest for US users?
Coinbase and Gemini are among the most regulated US exchanges, with FDIC-insured USD balances, SOC 2 compliance, and comprehensive insurance policies.
Can US residents use Binance?
US residents must use Binance.US, a separate entity designed for the American market with limited token offerings compared to the global Binance platform.