United States · BTC spot · ACH
An official-source route for eligible US residents who want to fund by ACH, buy BTC on spot, withdraw on the Bitcoin network, and prepare a second exchange before they need it.
Read this before opening an account
Eligible US residents whose Coinbase account shows ACH and crypto sends, and whose state supports the required Kraken funding and crypto-transfer features.
Main exchange
Coinbase documents ACH for US customers, buying crypto with a verified payment method, and sending supported assets to an external wallet.
Backup exchange
Kraken documents a US onboarding route, ACH funding through Plaid for eligible accounts, spot trading, and crypto withdrawals with an explicit network check.
Exchange Readiness Database
Market listings come from exchange APIs. Funding and withdrawal capability comes from dated official documentation. Live account and network status remains unknown until it is checked in the account.
Market API collected Aug 3, 2026 · Editorial route review Aug 3, 2026
| Readiness check | Main · Coinbase | Backup · Kraken |
|---|---|---|
| Spot available | Yes · API | Yes · API |
| Futures available | Not checked | Not checked |
| Deposits | Supported in docs · live status unknown | Supported in docs · live status unknown |
| Withdrawals | Supported in docs · live status unknown | Supported in docs · live status unknown |
| Supported network | Bitcoin | Bitcoin |
Checks still required
The route
01
Confirm that Coinbase shows ACH and crypto sends. Confirm that Kraken serves your state and supports both USD funding and crypto transfers there.
02
Finish KYC, link a bank account in the same legal name, and read the available-to-send date before confirming the ACH transaction.
03
Use the BTC spot purchase flow. Review the order amount, fee, spread or execution price, and payment method before confirming.
04
Wait until the balance is available to send, select BTC and the Bitcoin network, verify the address, and start with a small test withdrawal.
05
Finish verification and confirm ACH, BTC spot, and Bitcoin-network withdrawal support before a Coinbase hold or account problem makes the backup urgent.
06
Save the date, state, funding method, withdrawal hold shown, selected asset, network, and successful test status. Recheck before every material transfer.
Official evidence
US ACH funding and account-specific available-to-send timing.
Buying a selected crypto asset with a verified payment method.
External wallet withdrawals and the requirement to match the supported network.
Cash holds and the fact that ACH-funded crypto may not be immediately sendable.
US onboarding, buying, cash funding, and crypto withdrawal workflow.
US state exclusions and state-level fiat or crypto transfer restrictions.
ACH account requirements, processing, and withdrawal hold.
Crypto withdrawal steps and same-network compatibility warning.
No. Kraken does not serve Maine or New York and lists additional state-level fiat or crypto transfer restrictions. Coinbase and Kraken can also apply account-specific restrictions. Use the route only after both live accounts show the required actions.
Do not assume so. Coinbase shows an account-specific available-to-send date before confirmation, while Kraken documents a seven-day hold on the amount funded through ACH Plaid.
No. The route is verified against dated official exchange documentation. A direct account, ACH purchase, and Bitcoin withdrawal test is not claimed.
The Coinbase signup link is a referral link; Trade Shortlist may receive a reward if you qualify. The Kraken signup link is non-affiliate.