● TOP EXCHANGE · 2026 CEX PROOF OF RESERVES NYDFS BITLICENSE NYDFS TRUST CHARTER
Gemini review
US-licensed exchange with the strongest regulatory posture
The verdict
8.2 / 10 · BUY
Gemini, founded by the Winklevoss twins in 2014, holds the broadest US licensing footprint of any crypto exchange — NYDFS BitLicense + trust charter + SOC 2 + ISO 27001. Smaller order book and higher fees than Coinbase or Kraken, but the strongest regulatory story for US institutions and high-net-worth users.
◆ BUY IT IF
- Strongest US regulatory posture among crypto exchanges
- $1B custody insurance via Aon
- SOC 2 + ISO 27001 certified
- Active US-state-by-state MTL coverage
◇ SKIP IT IF
- Higher fees than Coinbase Pro / Kraken
- Smaller order book — slippage on large orders
- Coin selection limited (70 vs Coinbase 250+)
- Gemini Earn programme failed in 2022; trust hit
§ 01 SCORE BREAKDOWN
Seven axes, weighted.
DIMENSION WEIGHT RATING SCORE
Regulatory safety
NYDFS BitLicense + Limited Purpose Trust Charter (the only crypto exchange with both). FinCEN MSB. State MTL c
Trading fees
Maker 0.2% · Taker 0.4%
Coin selection
70 coins supported
Liquidity
CEX — order-book depth
User experience
Security
Publishes Proof of Reserves
Support
§ 02 SPECIFICATIONS
Everything, in one table.
Regulation
- Regulatory status
- NYDFS BitLicense + Limited Purpose Trust Charter (the only crypto exchange with both). FinCEN MSB. State MTL coverage. FCA registered (UK). MAS DPT (Singapore).
- KYC required
- Yes
- Proof of Reserves
- Yes
- Founded
- 2014
- Type
- CEX
Fees
- Maker fee
- 0.2%
- Taker fee
- 0.4%
- Withdrawal fee
- Free for ACH; on-chain withdrawal fees vary by asset
Trading
- Spot trading
- Yes
- Futures trading
- No
- Margin trading
- No
- Copy trading
- No
- Supported coins
- 70
Other features
- Earn / staking
- Yes
- Debit card
- No
- Fiat on-ramp
- No
§ 03 FAQ
Frequently Asked Questions
Is Gemini safe to use? +
Gemini NYDFS BitLicense + Limited Purpose Trust Charter (the only crypto exchange with both). FinCEN MSB. State MTL coverage. FCA registered (UK). MAS DPT (Singapore).. The platform publishes proof of reserves.
What are Gemini's trading fees? +
Gemini charges 0.2% maker fee and 0.4% taker fee. Mobile-retail spread (~1.49%) is significantly higher than ActiveTrader; advanced users should switch to ActiveTrader.
How many coins does Gemini support? +
Gemini supports 70 coins and tokens. Spot trading is available.
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