Platforms like or using a wallet like Trust Wallet (via providers like MoonPay or Simplex) allow you to buy directly into your own custody. Pros: You own your "keys" immediately.
Apps like , Kraken , or Binance are the gold standard. Once you link a debit card , the purchase is usually instantaneous.
To buy "instantly," Standard bank transfers (ACH) can take 3–5 business days to clear, even if the exchange lets you trade with the funds immediately.