Anycoin CZ: exchange pricing, Czech funding, custody and withdrawal rules

The distinction between quoted exchange and execution on a venue matters. The exchange business policy describes a price set by the provider. The order-execution policy separately describes choosing between the listed trading platforms on execution likelihood and total price, without aggregating the client’s order with other clients’ orders. The execution policy says it does not accept rewards for selecting a venue. Those statements describe processes; they do not certify that every displayed rate will beat every competitor.[1][5]

The conflicts policy explicitly recognises the risk of preferring the operator’s own DASE venue for agency execution. It points to the published selection criteria as the control. For the separate quoted exchange service, it says crypto needed beyond the provider’s reserves is procured on third-party venues or through external trades, rather than by the provider buying for its own account on its own platform. This separates two business relationships that could otherwise look identical in a simple buy screen.[7][5][1]

The public exchange form describes immediate market pricing and a price-dependent alternative that can remain open when the required rate is unavailable. Before confirming, check whether the selected instruction executes at the available rate or waits for a rate condition. The business policy permits limits on amount, frequency and rate for operational reasons. An indicated price should therefore be read together with the current order status and confirmation, rather than assumed to remain executable indefinitely.[10][1]

A complete trading-cost calculation has at least two stages: conversion at the offered rate and movement of the resulting asset. A small purchase followed by an on-chain withdrawal can have a very different effective cost from a larger purchase retained on the platform. The network fee is typically a fixed asset amount or a displayed transfer charge, so the same withdrawal can consume a larger proportion of a small purchase. Compare the final withdrawable amount as well as the trading quote.[1][11][9]

The public tariff separates network, minimum order, withdrawal minimum, withdrawal fee, deposit minimum, deposit fee and confirmation requirements. No single maker/taker percentage or fixed card rate describes every route. Read the current row and final order preview for the chosen asset and funding method, then retain the receipt showing the actual price and fee. The available evidence does not support publishing one universal numerical tariff.[9][4]

Custody release and blockchain transfer are different stages. The 48-hour custody statement is a usual processing period for a specified size band; the transfer-policy deadline applies after the instruction has passed the relevant checks. Neither describes a guaranteed time for a recipient to spend the asset. Bank settlement, blockchain confirmations, liquidity movement from cold storage and compliance review can each add a separate dependency.[3][4][11]

The July 2026 transfer policy expressly excludes electronic-money-token transfers from the service it describes. This is material for users planning stablecoin withdrawals. The older USDT notice documents an April 2025 withdrawal deadline followed by conversion to USDC, but that historical conversion does not establish today’s permission to transfer USDC externally. Check the live asset/network route instead of relying on old app-store token lists.[4][22][13]

An unbroadcast transfer can be withdrawn before it is submitted to the blockchain. Once submitted, it is technically irreversible. If an address or network is wrong, contact the operator immediately and inspect whether the order is still pending; sending a support email does not itself cancel a broadcast transaction. Transfer details and fees become available in the account after processing.[4]

The policy describes customer assets as third-party property under Czech law, intended to remain outside the provider’s insolvency estate. It also warns about interruption or loss of access if the provider fails. Segregation is therefore a legal and accounting protection, not a promise of immediate retrieval under every operational or insolvency scenario. The position register and transfer history remain important evidence of what the operator owes a particular client.[3][2]

Anycoin’s security guidance recommends a unique password and authenticator-based two-factor authentication, with protection of the linked email and device. Email and push notifications can flag a new withdrawal request. A notification helps the client detect an instruction; it does not establish a fixed period during which every withdrawal can still be reversed. No universal withdrawal lock following password or authenticator recovery was established in the inspected public guidance.[14][19][4]

The current Travel Rule guide requires information for withdrawals outside the platform and describes one-time proof of ownership when more than EUR 1,000 goes to the client’s own wallet. Separate guides document screenshot and Ledger Bluetooth verification routes. ThatEUR1,000 threshold concerns wallet ownership checks; it is not a general exemption from customer identification or transaction screening.[16][17][18][4]

The July 2026 policies require a platform-services agreement for the exchange service and a registered, logged-in client for the documented transfer service. Verification guidance offers Bank ID or identity documents, with additional evidence and selfie steps where required. Older promotional references to buying without registration or to historic limits should not be used to override the current agreement and verification flow.[1][4][15]

Account acceptance depends on the current onboarding requirements for the applicant’s residence, identity and legal status. Obtain that acceptance before sending funds, particularly for a company or a cross-border application. The available public evidence does not establish a complete current age, country and verification-limit matrix, so older help-page thresholds should not be treated as permanent eligibility rules.[2][15][8]

The July 2026 disclosures give [email protected] and +420 538 880 828, with the operator’s registered address at Křižíkova 710/30, Karlín, 186 00 Prague 8. The account and website contact form provide an additional written route. No continuous staffed-support timetable or guaranteed emergency telephone execution service was established. Transaction instructions under the transfer policy are submitted through the platform.[2][4][6]

For a suspected unauthorised transfer, preserve the order identifier, time, destination and any account notification, and notify the operator promptly. The transfer policy provides for fraud or security-threat communication through the account or the registered contact route. A public support address is useful for reporting the problem, while the logged-in transaction status determines whether the transfer is awaiting approval, refused or already sent.[4][19]

ESMA’s authorised-provider file matches MP Developers s.r.o., LEI 64889KAWPMO81X649843, to the Czech National Bank. The inspected row records authorisation on 11 February 2026, no authorisation-end date and the websites anycoin.cz and dase.com. The permitted services listed are custody, operating a trading platform, exchanging crypto for funds, exchanging crypto for crypto, executing orders and transferring crypto-assets.[8]

That is the legal entity’s permission set. The July 2026 Anycoin consumer disclosure describes custody, execution, exchange and transfers, while the separate execution document identifies DASE as a venue. It is more accurate to explain the retail service through those actual documents than to imply that every Anycoin user is posting directly to a public exchange order book. MiCA authorisation also does not create deposit insurance for crypto holdings; the consumer disclosure expressly excludes such protection.[2][5][8]

The most useful scale distinction here is between product breadth, the direct platform and third-party distribution. A bank’s total customers should not be counted as active Anycoin traders, and a listed token should not be assumed to have a working withdrawal route on every network. The inspected primary sources support the operator, service range and distribution relationship, but not a current like-for-like global volume ranking.[24][9][12]

Operator

MP Developers s.r.o.

Exchange model

Centralised

Service scope

Czech quoted crypto exchange, agency order execution, custody and eligible transfers, with web/mobile access and advertised Bitcoin Lightning features. DASE is a related venue under the same operator.

Client types

Retail clients; Professional clients

Pricing publication

Public and quoted pricing

Other names

Anycoin.cz; Czech Anycoin

Pricing scope

The quoted exchange rate includes the provider margin and no separate exchange execution fee. The published asset/network tariff governs minimums, deposits and withdrawals; route-specific prices and channel adjustments may apply.

Funding scope

Documented CZK/EUR bank routes, payment gateways/card options and supported crypto networks. Transfer and custody-release clocks differ. July 2026 transfer policy excludes electronic-money-token transfers.

Custody and asset handling

Provider-controlled omnibus wallets with separate client ownership records, hot/cold storage and limited partner-exchange liquidity. Separate Czech bank client account; no crypto deposit-insurance or compensation scheme.

Client eligibility

Platform agreement, customer verification and transaction checks apply. Corporate onboarding is documented; actual residence, payment method and product eligibility must be confirmed. Czech is the default contractual language.

Support

[email protected], +420 538 880 828, the account/contact form and postal complaints. Czech and English complaints are accepted, with acknowledgement within 10 working days and a decision normally within 15 working days.

Authorisation and registration scope

Independent ESMA match to Czech National Bank MiCA authorisation dated 11 February 2026, LEI 64889KAWPMO81X649843. Entity permissions include custody, trading-platform operation, both exchange categories, order execution and transfers. Anycoin retail service scope is described in its own disclosures.

Exchange metadata checked 21 Oct 2026Source 1Source 2Source 3Source 4Source 5Source 6Source 7Source 8Source 9Source 10Source 11Source 12Source 13Source 14Source 15Source 16Source 17Source 18Source 19Source 20Source 21Source 22Source 23Source 24

The custody policy provides a position statement every three months and account access to the underlying records. Anycoin also publishes CSV export/import instructions for Koinly and an accounting workflow for Whalebooks. Exporting transactions is distinct from the quarterly position snapshot: one helps reconstruct activity, while the other shows holdings at a point in time. Reconcile purchases, sales, fees, deposits and withdrawals, especially after moving assets between wallets or services.[3][20][21]

The iPhone version history records transaction-export and payment-gateway updates, while the Android listing advertises payment and conversion automation. A mobile feature list does not establish that every administrative action, wallet proof or export screen is identical to the desktop flow. If the desired task is approving a hardware-wallet withdrawal, use the current guide for that device and retain the account confirmation.[13][12][18][17]

No public customer trading-API permission model, withdrawal-capable API credential or execution-capable AI adviser was established in the inspected service materials. CSV accounting exports should not be presented as such an API. Likewise, automated conversion or scheduled payment features follow the client’s selected instructions; they do not by themselves establish discretionary portfolio management or a social-copy trading mandate.[20][12][2]

The consumer disclosure distinguishes contract closure from inactivity. It permits termination of a qualifying inactive account when its balance is zero, and gives the client a general 30-day notice route by email or through the account. The inspected materials do not establish a separate numeric inactivity charge or a complete inactivity-period definition. An account that has not been used can therefore still need formal settlement and closure; simply removing the application does not complete that process.[2]

The stated 14-day consumer withdrawal right is also qualified: after an order is submitted, the market-price exception can remove that right. It should not be understood as a 14-day option to reverse an unfavourable crypto trade. Before closure, obtain transaction exports and statements, settle pending instructions, and confirm how any asset that cannot be transferred through the current network list will be returned or converted.[2][20][3][4]