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IBKR vs Binance: crypto exchange or broker for US stocks? (2026)

In 2026, choosing between a crypto exchange and a traditional broker for US stocks comes down first to two things: where you are resident for tax purposes and what US dividend withholding applies to you, and which account you can actually open. Mexico has a treaty with the US (10% dividends with a W-8BEN); Argentina does not (30%). This article settles that dividing line first, then compares custody, SIPC, fees, dividend tax and transfers between Binance Direct Stocks and brokers such as IBKR.