CoinZoom Review (October 2026): Fees, US States and Licenses

Best for: Crypto debit card spending

6.2/10

US access 20%9.0
Regulation 20%4.0
Security record 15%7.0
Cost 15%6.4
Range 10%7.3
Popularity 15%3.3
Data quality 5%7.0

By Vahe Hakobyan Verified October 5, 2026 Medium confidence No affiliate links

Taker fee0.60%
US states— Not verified
New York— Not verified
Coins40
CustodyCustodial
App Store4.7 ★ · 825

Our verdict

CoinZoom, Inc. is a Utah-based money services business founded in 2018. It offers a Lite mode with 0.75%–1.49% fees, a Pro order book at up to 0.44% maker and 0.60% taker, and a Visa debit card with up to 5% crypto cashback. ACH deposits and withdrawals are free. Its license page lists the New York license as pending.

Pros

Free ACH deposits and withdrawals
Visa debit card with up to 5% crypto cashback
ZOOM token holders get 10%–50% off Pro fees

Cons

Base Pro fees of 0.44% maker and 0.60% taker
Card purchases cost 3.99%
New York license listed as pending

CoinZoom fees

Maker / taker: 0.44% / 0.60%
Simple buy: 0.75%–1.49% in Lite mode (instant buy/sell and conversions)
Volume tiers: Pro mode ranges from 0.44% maker / 0.60% taker down to 0.22% / 0.30%; holding ZOOM and paying fees in it gives 10% (Silver) to 50% (Black) off
ACH deposit: Free
Wire deposit: $12 (free for Black level)
Card purchase: 3.99% (2.99% for Black level; $1.99 minimum)
USD withdrawal: ACH free; wire $35 domestic / $50 international; instant withdrawal 1.75% ($1.50 minimum)
Crypto withdrawal: Network-dependent fee
Other fees: CoinZoom Cash deposits cost 5% ($6 minimum)
Minimum deposit: — Not verified

Is CoinZoom available in my state?

CoinZoom, Inc. is operating as of October 2026 and lists money transmitter-type licenses in 29 states plus DC; its New York license is shown as pending.

The list of states this platform serves is not verified yet.

No list of unserved states was found. The license page shows New York as 'Pending'; about 20 states do not appear on the list, and the page does not say whether they are served.

New York: — Not verified
ID check (KYC): Yes
Withdraw crypto: Yes
Funding: ACH, RTP, Wire, Debit card, Credit card, Apple Pay, Google Pay, Cash (CoinZoom Cash), Crypto

Is CoinZoom regulated?

FinCEN MSB
NMLS 1735216

US operator: CoinZoom, Inc.
Parent company: — Not verified
State licenses: License page lists money transmitter-type licenses in 29 states plus DC; New York money transmitter license shown as pending
New York license: None
Other: FinCEN MSB registration no. 31000258236203; about page also cites an Australian Digital Currency Exchange registration
Founded: 2018
Headquarters: Utah, USA

How secure is CoinZoom?

Proof of reserves: — Not verified
Audits: SOC 2 (per CoinZoom about page)
Insurance: — Not verified

Incidents since 2019

None found in the sources checked.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on CoinZoom

Spot
Advanced trading
Crypto card

Lite and Pro trading modes, a Visa debit card with up to 5% crypto cashback, ZoomMe instant transfers between users and CoinZoom Cash deposits.

Apps: Web, iOS, Android
Support: Help center

CoinZoom FAQ

What are CoinZoom's fees?

On its order-book screen CoinZoom charges 0.44% maker and 0.60% taker at the base tier. Simple buy: 0.75%–1.49% in Lite mode (instant buy/sell and conversions).

Is CoinZoom regulated in the US?

US customers are served by CoinZoom, Inc.. Registrations and licenses on record: FinCEN MSB, NMLS 1735216.

Can I withdraw crypto from CoinZoom to my own wallet?

Yes. CoinZoom lets US users send crypto to an external wallet.

Does CoinZoom require ID verification?

Yes. CoinZoom verifies your identity before you can trade.

How many cryptocurrencies can I trade on CoinZoom?

About 40 cryptocurrencies are available to US users, per CoinZoom's official asset list.

Alternatives to CoinZoom

Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.