ArthBit Crypto Exchange Review: Is It Right for Indian Investors?

When you're new to crypto in India, the biggest hurdle isn't learning how blockchain works-it's finding an exchange that actually works with your bank. You don't need another platform that talks big but won't let you deposit ₹100. That's where ArthBit steps in. Launched in January 2021 and built for Indian users, ArthBit promises simple, instant crypto buying with UPI, mobile wallets, and even NEFT/RTGS. But does it deliver? Or is it just another app with flashy ads and no real depth?

What You Can Actually Do on ArthBit

ArthBit isn’t trying to be Binance or Coinbase. It doesn’t offer futures, margin trading, or staking with 15% APY. What it does offer is clean, straightforward spot trading. You can buy and sell 43 cryptocurrencies, including Bitcoin, Ethereum, Solana, Cardano, Dogecoin, and even lesser-known tokens like Decentraland and VRA. The platform also supports its own token, ARTH, which is tied to the ARTH stablecoin project.

The real difference? Everything runs in INR. You don’t need to buy USDT first. You deposit rupees directly. That’s huge for people who’ve struggled with foreign exchange limits or complex on-ramps. You can start with as little as ₹100. No minimum balance. No hidden fees for small trades. That’s rare in a market where most exchanges push you toward bigger deposits.

There’s also a SIP (Systematic Investment Plan) feature. If you want to invest ₹500 every Monday into Bitcoin without thinking about it, ArthBit lets you set that up. It’s not unique-Coinbase and WazirX have it too-but for many Indian users, automation is the only way to stay consistent with crypto investing.

How Easy Is It to Get Started?

Signing up takes less than five minutes. Go to the website or open the app (available on both App Store and Google Play), tap ‘Sign Up’, enter your email and password, then verify your inbox. That’s it. No phone number required upfront. You’ll need to complete KYC later to withdraw, but you can trade small amounts without it.

KYC is automatic. Upload your Aadhaar or PAN card, take a selfie, and the system verifies you in under 10 minutes. No human review. No waiting days. That’s a big win compared to exchanges that still manually check documents. The platform says it uses blockchain-based KYC, but honestly, it’s just a fast digital form with facial recognition. Still, it works.

Payment Methods That Actually Work in India

This is where ArthBit shines. It supports:

• UPI (Google Pay, PhonePe, Paytm)
• Mobile wallets (like Paytm Wallet)
• IMPS
• NEFT/RTGS
• Debit and credit cards

Most exchanges in India dropped UPI after RBI warnings in 2022. ArthBit brought it back. And it’s fast. Deposits show up in seconds. Withdrawals to your bank take 1-2 hours. No delays. No “processing” status that lasts all day.

Withdrawals to crypto wallets? You can send BTC, ETH, or any supported coin out in minutes. The network fees are standard-no surprise charges. You see the exact fee before confirming. That’s more than you can say for some bigger exchanges.

Prices and Market Data: What You’re Really Paying

ArthBit’s prices are slightly higher than global averages. Bitcoin was trading around ₹10,858,506 on their site, while CoinGecko showed ₹10,600,000. That’s a 2.4% premium. Ethereum was ₹399,000 vs. ₹385,000 elsewhere. That spread isn’t unusual for Indian exchanges-they have to cover banking costs and risk.

But here’s the catch: ArthBit isn’t tracked by CoinMarketCap. That means no verified volume data. No rankings. No historical charts. You can’t compare its trading activity to others. That’s a red flag for serious traders. It doesn’t mean the exchange is fake-it just means it’s small. If you’re buying ₹5,000 worth of DOGE for fun, it doesn’t matter. If you’re trading ₹5 lakh a day, you’ll want a platform with real liquidity.

App Experience: Built for Mobile-First India

The ArthBit app is clean. No clutter. No pop-ups. The home screen shows your portfolio, recent trades, and a simple “Buy” button. You can toggle between BTC, ETH, and ARTH with one tap. The charts are basic but functional-no fancy indicators, just 1D, 7D, 30D views. Perfect for beginners.

The Android app is listed under Business & Productivity > Finance on Google Play. It has over 500,000 downloads. The iOS version is smaller but stable. No crashes. No login issues. That’s more than I can say for some exchanges with 10x the users.

Security: What They Claim vs. What You Can Verify

ArthBit says it uses “best-in-industry blockchain-based solutions” and works with “top risk management and asset insurance providers.” But they don’t name the insurer. No proof of reserves. No third-party audit reports. That’s a problem.

They do have automatic KYC/AML, which is good for compliance. They also use two-factor authentication (2FA) via Google Authenticator. That’s standard. But no cold storage details. No multi-sig wallets. No transparency about where your coins are stored. If you’re holding more than ₹50,000, you should move it to a hardware wallet. ArthBit is fine for buying and short-term holding, not long-term storage.

Who Is ArthBit Really For?

This isn’t the exchange for crypto whales or algorithmic traders. It’s for:

• First-time buyers in India who want to start with ₹100
• People who use UPI daily and hate switching apps
• Those who want SIPs without complicated setups
• Users tired of waiting 3 days to withdraw rupees

If you’re looking for low fees, deep liquidity, or advanced trading tools-go to WazirX, CoinSwitch, or ZebPay. ArthBit isn’t competing there. It’s competing on simplicity and speed for everyday Indians.

The Bottom Line

ArthBit isn’t perfect. It’s not tracked. It doesn’t publish audits. Its prices are higher than global averages. But it solves one real problem: making crypto buying as easy as paying your phone bill. For millions of Indians who’ve never held crypto before, that’s powerful.

If you’re just starting out, want to automate small investments, and need UPI to work without hassle-ArthBit delivers. If you’re already deep in crypto and trading large sums? Look elsewhere. But for the average Indian user? It’s one of the few exchanges that actually feels made for them.