Neighbourhoods and corridors
Hickory Hill · Summer Avenue corridor · Frayser · Whitehaven · Raleigh · Berclair
Memphis, TN
Sell crypto at your counter in Memphis
Memphis has one of the highest rates of unbanked households of any large American city, served by a dense network of check cashers and convenience stores, alongside a growing Hispanic retail economy in Hickory Hill and along Summer Avenue.
- No kiosk, no floor space
- Compliance carried by a registered MSB
- Two-minute customer onboarding
- Revenue share on every order
$500.00
Counter order · Memphis
- CustomerVerified · 71 sec
- Buying0.00421 BTC
The retail opportunity in Memphis
Memphis's financial-access picture is among the starkest in the country. A very large share of households conduct their financial lives entirely outside the banking system, at counters — which is precisely the customer base a retail crypto counter exists to serve.
Layered on that is a newer Hispanic retail economy along Summer Avenue and through Hickory Hill, with mercados, transfer agencies and phone shops that have grown up over the past two decades.
On the ground
Where the counters are in Memphis
Check cashers, convenience stores, mercados, money transfer agencies, tax preparation offices, phone shops. These are the formats the program was designed around, and the neighbourhoods below are where they cluster.
Store formats that fit
Check cashers, convenience stores, mercados, money transfer agencies, tax preparation offices, phone shops.
Where the money is sent
Mexico, Guatemala, Honduras — the corridors that drive stablecoin demand at a Memphis counter.
Languages at the counter
Spanish, English. Serving a customer in their own language is the single biggest advantage a counter has over an app.
The arithmetic
What a single transaction is worth to the store
You keep a share of every order. Bigger order, bigger share. The examples below use 1% to 3% — your own rate is in your agreement.
| At the counter | Order size | Store keeps (low) | Store keeps (high) |
|---|---|---|---|
| A customer cashes a check and puts part of it into Bitcoin | $200 | $2.00 | $6.00 |
| A regular buys USDT to send to family overseas | $500 | $5.00 | $15.00 |
| A customer sells crypto and takes the cash | $1,000 | $10.00 | $30.00 |
| A small business owner buys on payday, every other week | $2,500 | $25.00 | $75.00 |
| One larger order, the kind an ATM's daily cap refuses | $10,000 | $100.00 | $300.00 |
The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.
- A money order earns you cents. A wire earns a flat fee, however big it is. This does not.
- No monthly fee. No minimum. Nothing to buy back before the first dollar is yours.
- Your customer pays our normal published price. Your share does not change it.
Anytime Capital runs its own branches in Atlanta and Miami. Partner stores run the same counter service.
Where the counter is the whole financial system
In neighbourhoods with very high unbanked rates, the store counter is not competing with a bank branch — it is the only financial address a household uses. That gives a store considerable standing and considerable responsibility.
It also means the verification step in this program does something genuinely useful for the customer: it puts them on file with a registered institution, which is more than most of the alternatives available to them do.
Memphis has seen comparatively little crypto retail activity, which means the first counters in a neighbourhood have an unusually clear run.
Read the detail(1 section)
What a Memphis store actually signs up to
Your employee signs in at retail.anytime-capital.com, verifies the customer once, places the order and takes the payment at the counter. There is no machine to install, no crypto for the store to hold and no float to fund.
Anytime Capital is the registered money services business behind the transaction and carries the customer identification programme, the monitoring and the reporting. Your store is a serving location, and your existing licences remain yours with their own obligations.
Onboarding is a compliance review and a training session. Nothing is delivered to your address, and there is nothing to earn back before the first order is profitable.
Keep reading
The rest of the programme
The numbers, the rules and the store type closest to yours.
Frequently Asked Questions
Do unbanked customers qualify?
A bank account is not required to buy at a counter — that is the entire point of the format. Customers do need to complete identity verification, which happens once at their first visit.
Which parts of Memphis work best?
Hickory Hill and the Summer Avenue corridor for the Hispanic retail economy, and the check cashing and convenience store networks across the city for the broader unbanked customer base.
Do I need a licence of my own to do this?
Not to act as a serving location for Anytime Capital's platform. Anytime Capital is the registered money services business and carries the compliance programme for the activity. State law varies, so what applies to your specific store is confirmed during onboarding, and nothing here is legal advice.
Is there any equipment to install?
None. The platform runs in a browser on a phone, tablet or the PC already behind your counter. There is no kiosk, no floor space requirement and no monthly platform fee.
How long does it take to serve a customer?
One to two minutes for a first-time customer, because their identity is verified once. Under a minute for everyone after that.
Put a crypto counter in your Memphis store
Tell us where the store is and what your customers keep asking for. We will tell you what we can offer at your location.