#69 of 115 in the US ranking · On-ramp
Mercuryo Review (October 2026): Fees, US States and Licenses
Best for: Card crypto purchases
5.1/10
By Vahe Hakobyan Verified Medium confidence No affiliate links
- Taker fee— Not verified
- US states49 of 51
- New YorkNo
- Coins— Not verified
- CustodyNon-custodial
- App Store4.7 ★ · 1.1K
Our verdict
Mercuryo is a crypto on-ramp whose US service is provided by MoneyDream LLC of Delaware. Its help center says it serves most US states but not New York or Vermont, and Texas residents cannot trade USDC or USDT. US users verify with a driver's license or state ID plus SSN and pay by Visa or Mastercard. Purchase fees run up to 5.5%.
Pros
- Available in most US states, per help center
- Visa and Mastercard accepted for US purchases
- Fee quote shown before payment is confirmed
Cons
- Not available in New York or Vermont
- US terms say MoneyDream holds no licenses
- Purchase fees up to 5.5%
Mercuryo fees
- Maker / taker
- — Not verified
- Simple buy
- Up to 5.5% on purchases (global help-center figure); final quote shown before payment
- Volume tiers
- Sell fee up to 3.95%; swap fee up to 2.5% depending on pair
- ACH deposit
- — Not verified
- Wire deposit
- — Not verified
- Card purchase
- Up to 5.5% (global figure)
- USD withdrawal
- Fiat withdrawal to bank card not available in the US
- Crypto withdrawal
- Network fee only
- Other fees
- Fast Track purchases up to 5% extra
- Minimum deposit
- — Not verified
Is Mercuryo available in my state?
Mercuryo's help article (updated Aug 14, 2026) says it is available in most US states except New York and Vermont; US customers contract with MoneyDream LLC, a Delaware company.
- AL available
- AK available
- AZ available
- AR available
- CA available
- CO available
- CT available
- DE available
- DC available
- FL available
- GA available
- HI available
- ID available
- IL available
- IN available
- IA available
- KS available
- KY available
- LA available
- ME available
- MD available
- MA available
- MI available
- MN available
- MS available
- MO available
- MT available
- NE available
- NV available
- NH available
- NJ available
- NM available
- NY not available
- NC available
- ND available
- OH available
- OK available
- OR available
- PA available
- RI available
- SC available
- SD available
- TN available
- TX available
- UT available
- VT not available
- VA available
- WA available
- WV available
- WI available
- WY available
USDC and USDT transactions unavailable in Texas; fiat withdrawals to bank cards not available to US customers.
- New York
- No
- ID check (KYC)
- Yes
- Withdraw crypto
- Yes
- Funding
- Card
Is Mercuryo regulated?
- US operator
- MoneyDream LLC
- Parent company
- — Not verified
- State licenses
- — Not verified
- New York license
- — Not verified
- Other
- US terms state that MoneyDream LLC does not hold licenses and works with unnamed third-party providers; the licenses page lists only Canada, Spain, UK and EEA registrations
- Founded
- — Not verified
- Headquarters
- — Not verified
How secure is Mercuryo?
- Proof of reserves
- N/A (no custody under US terms)
- Audits
- — Not verified
- Insurance
- — Not verified
Crypto held on a platform is not covered by FDIC or SIPC insurance.
What you can do on Mercuryo
- Spot
US terms cover buying, selling and card-linked crypto-to-fiat conversion; no custody or wallet hosting for US users.
- Apps
- Web, iOS
- Support
- Email, Help center
Mercuryo FAQ
Is Mercuryo available in my state?
Mercuryo serves 49 of 51 jurisdictions (50 states and DC). Not available in New York, Vermont.
Can New York residents use Mercuryo?
No. Mercuryo does not accept New York residents.
What are Mercuryo's fees?
Simple buy: Up to 5.5% on purchases (global help-center figure); final quote shown before payment.
Is Mercuryo regulated in the US?
US customers are served by MoneyDream LLC.
Can I withdraw crypto from Mercuryo to my own wallet?
Yes. Mercuryo lets US users send crypto to an external wallet.
Does Mercuryo require ID verification?
Yes. Mercuryo verifies your identity before you can trade.
Alternatives to Mercuryo
MoonPay#13 · Licensed card on-ramp6.7
Paybis#47 · Card and ACH purchases5.6
Ramp Network#51 · Card on-ramp, most states5.5
Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.