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    : Best for users who want to move Bitcoin to private wallets or use it for payments. Top 2026 platforms include:

    : Link a bank account using ACH transfer (often free but takes 1–3 days) or FedNow/RTP for instant transfers.

    : Regulated platforms require "Know Your Customer" verification. You will need a government ID and a biometric "liveness" check (selfie), which usually takes under five minutes.