Gemini is a crypto exchange that built its reputation on the idea of keeping your crypto safe and staying on the right side of regulators. Cameron and Tyler Winklevoss, the twins behind it, launched the exchange in 2014 and still run it out of New York under strict state banking rules.

That focus shapes the whole product. You can buy, sell, and hold crypto in all 50 states through a simple screen built for beginners or through ActiveTrader, a full platform with live charts and an order book. The exchange offers bank-grade oversight and insurance on your cash and a portion of your crypto.

However, the coverage and features you get carry a cost. Basic trades run pricier here than on some of its major rivals, and…