Neighbourhoods and corridors
Newark — the Ironbound · Newark — North Broad & Bloomfield Avenue · Elizabeth · Paterson — Main Street & Market Street · Passaic · Union City & West New York · Perth Amboy · Jersey City — Journal Square
North Jersey packs an extraordinary number of cash-economy counters into a small area: the Ironbound, Elizabeth, Paterson, Passaic and Union City each run their own dense retail strip serving a distinct community and a distinct remittance corridor.
$500.00
Counter order · Newark
North Jersey is one of the most concentrated retail-counter markets in the United States and one of the least discussed. Within a short drive you pass through Portuguese and Brazilian Newark, Dominican and Puerto Rican Paterson, Cuban Union City, Peruvian and Ecuadorian Passaic and a dozen other communities, each with its own commercial strip.
Every one of those strips carries the same store formats — check cashers, transfer windows, bodegas, phone shops — and the same customer: paid in cash, sending money home, served across a counter rather than through an app.
On the ground
Check cashers, bodegas and delis, money transfer agencies, travel agencies doubling as remittance windows, phone shops, small grocers. These are the formats the program was designed around, and the neighbourhoods below are where they cluster.
Newark — the Ironbound · Newark — North Broad & Bloomfield Avenue · Elizabeth · Paterson — Main Street & Market Street · Passaic · Union City & West New York · Perth Amboy · Jersey City — Journal Square
Check cashers, bodegas and delis, money transfer agencies, travel agencies doubling as remittance windows, phone shops, small grocers.
Dominican Republic, Peru, Ecuador, Brazil, Portugal, Cuba, Colombia, Egypt — the corridors that drive stablecoin demand at a Newark counter.
Spanish, Portuguese, English, Arabic. 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
North Jersey has much of the counter density of New York City and a different state regulatory picture, which makes it a distinct market rather than a suburb of one. Store owners here are frequently serving customers who commute into New York but bank, cash and send money at home.
Paterson in particular is worth singling out: an unusually multi-corridor market where a single commercial street may serve Dominican, Peruvian, Bangladeshi and Arab customers in the same afternoon.
For a store, that mix is an advantage. Multi-corridor neighbourhoods generate steadier crypto volume than single-community ones because the demand is not tied to one country's economic cycle.
Your employee signs in at retail.anytime-capital.com, 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.
Anytime Capital is the registered money services business behind the transaction and carries the customer identification programme, the monitoring and the reporting. Your store is a serving location, and your existing licences remain yours with their own obligations.
Onboarding is a compliance review and a training session. Nothing is delivered to your address, and there is nothing to earn back before the first order is profitable.
Keep reading
The numbers, the rules and the store type closest to yours.
They are separate states with separate regulatory pictures. Availability at your specific location is confirmed during onboarding either way, but they are not the same market and should not be assumed to be.
The dense commercial strips — the Ironbound, Elizabeth, Paterson's Main Street, Passaic and Union City — where money services traffic is already high.
Not to act as a serving location for Anytime Capital's platform. Anytime Capital is the registered money services business and carries the compliance programme for the activity. State law varies, so what applies to your specific store is confirmed during onboarding, and nothing here is legal advice.
None. The platform runs in a browser on a phone, tablet or the PC already behind your counter. There is no kiosk, no floor space requirement and no monthly platform fee.
One to two minutes for a first-time customer, because their identity is verified once. Under a minute for everyone after that.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where the store is and what your customers keep asking for. We will tell you what we can offer at your location.