CoinZoom exchange profile

CoinZoom presents one account for buying and selling crypto, holding USD, transferring value and spending through a linked Visa card. Its current website advertises more than 40 digital assets and reach across 169 countries. These are company product claims, not a verified count of active traders or a statement that every feature is available in every country. The service is custodial: the trading account and payment features depend on CoinZoom’s account controls.[1]

An unfilled limit order remains open until execution or cancellation. Partial fills leave the remainder working, and a limit order that immediately crosses available liquidity can incur a taker fee. Completed trades cannot be cancelled. These accepted instructions require explicit management; leaving the trading screen does not itself cancel a resting order.[5]

The July 2026 Trade FAQ shows mobile open-order viewing and cancellation through the trading history control and its New tab. This later guidance qualifies an older web overview that describes cancellation as web-only. A displayed order status should be checked after any cancellation attempt.[6]

A hypothetical $1,000 Pro execution at the undiscounted rates costs $4.40 as maker or $6.00 as taker: value multiplied by 0.44% or 0.60%. These figures isolate the stated trading fee; they exclude price movement, spreads, deposit charges and withdrawal costs.[8]

The discount guide requires both the necessary ZOOM holding and an election to pay trading fees in ZOOM. Its November 2025 Diamond figure is 35%, whereas the later Prime guide and fee overview show 30%; the lower published figure is used above pending an account-specific quote. With an effective 20% Gold discount, the hypothetical $4.40/$6.00 fees become $3.52/$4.80. A token balance alone should not be assumed to activate that payment election.[9]

Funding holds restrict withdrawals, transfers and card spending while trading remains possible. The Cash guide states 5% with a $6 minimum and a $1,000 daily cap; the fee overview instead displays $6 and a $500 daily cap. Bank-limit tables also conflict. Confirm the route’s actual charge and limit before sending funds. The overview allows unusual card holds of up to 90 days; the app’s Withdrawal Restrictions screen shows the release time for held funds.[8][11]

CoinZoom Instant is currently described as offline for maintenance in the help article updated 19 August 2026. Its published 1.75% charge, $1.50 minimum and eligible debit/prepaid-card mechanics describe the route when available; they are not evidence that an immediate cash-out can currently be completed.[13]

ZoomMe is an internal transfer between verified CoinZoom users. The guide describes immediate, fee-free USD or crypto delivery without a funding hold. USD sending limits vary by Prime level; the guide describes crypto transfers without that USD limit. An internal transfer is not an on-chain withdrawal, and sending to the wrong recipient requires support intervention without an assured reversal.[14]

CoinZoom describes hot wallets for outgoing transfers, warm wallets for incoming assets and cold storage for most holdings, with manual approval for cold movements. A hot-wallet liquidity shortage can leave a withdrawal pending for around an hour before reversal. Check the actual status and retry only after a reversal is confirmed, rather than creating another transfer while the first remains pending. This operational description is not an independently verified reserve or solvency audit.[15]

The terms distinguish bank-held fiat from crypto. In states where CoinZoom lacks its own money-transmitter licence, they describe Cross River Bank custodial accounts and CoinZoom’s technology role. Eligible bank cash may receive pass-through FDIC protection subject to legal conditions; crypto does not. That contract structure does not establish that a particular state enforcement restriction has been lifted.[18]

For a lost authenticator, a saved setup secret can restore access. Otherwise CoinZoom requires a support request and secure identity evidence, including identification and a video, before resetting two-factor authentication. The recovery guide does not establish a universal fixed withdrawal-release period after reset, so recovery approval and permission to withdraw should be treated as separate checks.[16]

The residence exclusion list includes the United Kingdom, Canada, Cyprus, Russia, Iran and numerous other jurisdictions. It is an account restriction list rather than a list of card spending destinations. CoinZoom says it may close accounts where residence, licensing or sanctions rules prevent service; a successfully downloaded app is not evidence of eligibility.[23]

The 30 January 2026 state FAQ says the service is available throughout the United States except New York. That broad statement cannot resolve the later Washington consent order or the separately published Ohio suspension. A resident of either state needs confirmation of the actual permitted service and contracting arrangement before treating the FAQ as authority to fund or trade.[22]

The web interface provides Excel/CSV history, monthly statements and tax-document access, including 1099 documents where supplied. It also supports dated tax exports and CoinTracker workflows. Identity verification and viewing full card details are described as mobile functions, while corporate membership setup is assigned to the web. Exported records should be checked against deposits, trades, transfers and card conversions; a downloaded file is not itself a completed tax return.[27]

Disabling an account through the app is reversible and uses two-factor authentication, but does not exempt the balance from inactivity charges. Permanent closure requires a support request after the customer has withdrawn funds; the guide says a closed account cannot be reopened and support cannot withdraw on the customer’s behalf.[28]

The contractual inactivity tariff is $4.99 monthly after six unused months, $9.99 monthly after twelve, and a $100 closure charge after thirty-six. Charges are limited by available balances and may be waived. This differs from disabling an account.[18]

Unclaimed-property treatment is another process. CoinZoom’s guide describes state-dependent dormancy periods, often three to five years, possible conversion of crypto into USD and remittance to the relevant state. Once remitted, recovery is through the state’s unclaimed-property process, rather than a normal exchange withdrawal.[29]

When CoinZoom cancels an order or transaction for a funding, identity or fraud-control issue, its help route is a support ticket. The guide identifies mismatched information and VPN use among possible review triggers. An unexplained cancellation should be checked against order and funding histories before submitting a duplicate instruction.[30]

CoinZoom publishes NMLS identifier 1735216, FinCEN MSB number 31000258236203 and Australian digital-currency-exchange registration 100590284-002. These are issuer-published identifiers: this review did not independently verify each current register entry. Its licence page marks New York pending and expressly limits the Louisiana and Tennessee licences’ coverage of virtual currency. Registration, bank custody and permission to offer a particular crypto service are separate questions.[19]

The company overview dates CoinZoom’s founding to 2018, identifies Todd Crosland as founder and locates the business in Salt Lake City. The Australian operator is a separately named contracting entity, rather than an alternative brand that should receive a duplicate exchange profile.[2]

A CoinZoom announcement distributed on 12 December 2024 reported more than 114,000 Visa debit cards issued across 152 countries in less than one month after launch. This is a dated issuance metric. It does not measure currently active cards, unique verified customers, trading volume or daily traders, and it should not be used as a current exchange-volume ranking.[32]

Operator

CoinZoom, Inc.; CoinZoom Australia Pty Ltd for Australian customers

Exchange model

Centralised

Service scope

Custodial spot trading, internal payments and a linked debit card.

Client types

Retail clients; Institutional clients

Pricing publication

Public pricing

Headquarters

Salt Lake City, Utah, United States

Funding scope

USD bank, card and cash routes plus supported crypto deposits; withdrawal holds depend on funding method.

Custody and asset handling

Operator-controlled hot, warm and cold wallets.

Client eligibility

Residence and identity checks apply; the general US FAQ is insufficient to resolve Washington and Ohio restrictions.

Support

Help centre, app chat and email; automated and human availability differ.

Authorisation and registration scope

Published money-transmission identifiers do not establish unrestricted state coverage or crypto investor compensation.

Exchange metadata checked 20 Oct 2026Source 1Source 20Source 13Source 18Source 3Source 27Source 22Source 21Source 15Source 11Source 8Source 17Source 19Source 2

The debit card spends from the selected wallet. Crypto is sold into USD at the point of spending; choosing USD avoids that crypto liquidation step, while non-USD purchases can still involve Visa currency conversion. The current card FAQ states a 1.49% crypto-conversion fee, differing from an older 1.75% withdrawal-FAQ reference. Funds reserved in open orders are unavailable for spending. Physical and virtual cards have separate controls, and card details are viewed in the mobile app.[25]

Card rewards are ZOOM tokens credited after purchases settle, usually the following day. The advertised 0.5%–5% depends on token holdings and eligibility; it is not a guaranteed USD cash refund. Financial transfers, ATM withdrawals, taxes and other excluded merchant categories earn no reward. Many ordinary shopping categories, including groceries and fuel, have a first-$5,000 rolling 30-day spending cap for rewards. Geographic and merchant restrictions apply, and the card terms take precedence over conflicting help text.[26]