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

Best for: Licensed card on-ramp

6.7/10

US access 20%10.0
Regulation 20%6.0
Security record 15%6.0
Cost 15%5.0
Range 10%6.7
Popularity 15%5.5
Data quality 5%7.0

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

Taker fee— Not verified
US statesAll 50 + DC
New YorkYes
Coins36
Custody— Not verified
App Store4.6 ★ · 10K

Our verdict

MoonPay is a fiat-to-crypto on-ramp whose US entity, MoonPay USA LLC, is registered with FinCEN as a money services business (NMLS ID 2071245). Its licenses page lists a New York virtual currency license and money transmitter licenses in 26 jurisdictions, including Texas, Florida and Illinois. Fees and the list of unsupported states were not verified for this dataset.

Pros

New York virtual currency license listed on licenses page
FinCEN MSB registration, NMLS ID 2071245
Money transmitter licenses in 26 listed jurisdictions

Cons

Fee schedule not verified for this dataset
Unsupported-state list not verified

MoonPay fees

Maker / taker: — Not verified
Simple buy: Fee up to 4.5% (minimum up to $3.99) plus network fee; spread included in price
Volume tiers: Buys and sells paid from MoonPay Balance carry no MoonPay fee; Cash App Pay adds 2.9% + $0.30
ACH deposit: — Not verified
Wire deposit: — Not verified
Card purchase: — Not verified
USD withdrawal: — Not verified
Crypto withdrawal: — Not verified
Minimum deposit: — Not verified

Is MoonPay available in my state?

MoonPay USA LLC serves US users under a FinCEN MSB registration, a NYDFS virtual currency license and state money transmitter licenses (licenses page read Oct 2026); the list of unsupported states was not obtained.

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 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 available
VA available
WA available
WV available
WI available
WY available

US Virgin Islands not served. Developer FAQ says selling is unavailable in Louisiana, Texas and New York; NY sells use fixed quotes per US terms

New York: Yes
ID check (KYC): — Not verified
Withdraw crypto: — Not verified
Funding: — Not verified

Is MoonPay regulated?

FinCEN MSB
NMLS 2071245
BitLicense

US operator: MoonPay USA LLC
Parent company: — Not verified
State licenses: Money transmitter licenses in 26 listed jurisdictions (incl. TX, FL, IL, WA, DC, Guam); FinCEN MSB registration no. 31000301673327
New York license: BitLicense
Founded: — Not verified
Headquarters: — Not verified

How secure is MoonPay?

Proof of reserves: — Not verified
Audits: — Not verified
Insurance: — Not verified

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

MoonPay FAQ

Is MoonPay available in my state?

MoonPay is available in all 50 states and the District of Columbia.

Can New York residents use MoonPay?

Yes. MoonPay accepts New York residents.

What are MoonPay's fees?

Simple buy: Fee up to 4.5% (minimum up to $3.99) plus network fee; spread included in price.

Is MoonPay regulated in the US?

US customers are served by MoonPay USA LLC. Registrations and licenses on record: FinCEN MSB, NMLS 2071245, BitLicense.

How many cryptocurrencies can I trade on MoonPay?

About 36 cryptocurrencies are available to US users, per MoonPay's official asset list.

Alternatives to MoonPay

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