Local terms for this counter
kirana store · business correspondent · common service centre · money exchange
India receives more remittance than any country in the world, and its financial reach into smaller towns and villages runs through kirana stores, business correspondents and common service centres rather than branches.
$500.00
Counter order · India
India's business correspondent model deputised ordinary retail businesses to deliver banking services in areas branches never reached, and the kirana store — the neighbourhood grocery — is the retail unit that carries most of it.
India is also the world's largest remittance recipient, with corridors from the Gulf, the United States and the United Kingdom that are enormous, regular and predominantly household-level.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
The local picture
The format has a different name in every market and does the same job in all of them. This is the version that applies here.
kirana store · business correspondent · common service centre · money exchange
Kirana neighbourhood stores, business correspondent outlets, common service centres, money exchange counters, mobile recharge shops.
United Arab Emirates, United States, Saudi Arabia, United Kingdom, Kuwait, Qatar — where the money moves, and why stablecoins matter at this counter.
Hindi, English, Tamil, Telugu, Malayalam, Bengali. Serving a customer in their own language is the single biggest advantage a counter has over an app.
The arithmetic
Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.
| 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.
Typical time to serve a customer
Equipment to buy or lease
Assets your customers can buy
US-based support for your staff
The scale of India's retail financial agent network has few parallels. Correspondents and service centres operate in hundreds of thousands of locations, delivering account services, payments and government transfers through shopkeepers.
That means the counter behaviour is thoroughly established, and the identification culture that goes with it is unusually developed.
India's crypto tax and reporting regime is also distinctive and materially affects how retail activity is conducted, which is part of what a market-by-market availability assessment has to consider.
India requires virtual digital asset service providers to register with its financial intelligence unit and applies a specific tax regime to virtual digital assets. Availability depends on that registration and framework.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
Anytime Capital is a registered US money services business and operates its own branches in Atlanta and Miami. The retail program extends that same platform to partner counters — which is why availability follows licensing rather than ambition, and why the first conversation about any international market is a straight one.
An employee signs in to the retail platform in a browser, runs a one-to-two minute identity verification for a first-time customer, places the order at a live price and takes the payment at the counter. Returning customers skip the verification entirely.
The store never holds cryptocurrency, never controls a private key and never funds a float. There is no equipment to buy, lease or install.
The customer receives the asset to a wallet they control, with the delivery recorded on a public blockchain — which is a stronger receipt than most counter products anywhere in the world can offer.
Related
The rest of the programme, and the region this market sits in.
India applies a specific and distinctive tax regime to virtual digital assets, which materially shapes how retail activity is conducted there. It is part of what any market-by-market availability assessment has to consider.
The business correspondent framework has already made a great many of them financial counters for licensed institutions. The behaviour is established at national scale.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is. We will tell you plainly what is and is not possible where you are rather than taking you through an onboarding that cannot finish.
In the United States, a store acting as a serving location does not need its own money services business registration — Anytime Capital holds it. Outside the United States the answer depends entirely on the local regime, which is why availability is assessed market by market.
An employee signs in, 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.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where your counter is and what your customers are asking for. We will be straight with you about what is possible in your market today.