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Independent Reserve vs KuCoin: fees, licences and P2P

Facts for both companies from their official pages; each was checked on the date shown in its review.

Facts verified on October 18, 2026

Key differences

Criterion	Independent Reserve	KuCoin On our watch list: check recent regulator actions and withdrawal reports before using it.
Rating	4.6/5 on other platforms 2.1K ratings	4.4/5 on other platforms 291.6K ratings
Regulators	MAS	FMA (Austria)
Spot trading fees	maker 0.5%, taker 0.5%	maker 0.1%, taker 0.1%
USDT withdrawal	4 USDT on TRC20, 10 USDT on ERC20	0.5 USDT on TON, 0.8 USDT on POLYGON, 1 USDT on BEP20 +5
Proof of reserves	not published	published
Deposits and withdrawals	Bank transfer	—
Founded	2013	—
P2P trading	—	yes, in 67 local currencies
Futures	—	Yes
Not available in	—	United States, Puerto Rico, Guam, Northern Mariana Islands, American Samoa, Singapore +7
	Read review	Read review

Which regulators license Independent Reserve and KuCoin?

Independent Reserve is licensed by MAS; KuCoin by FMA (Austria).