I give Gemini 5 stars so far. I went for them as they have the Winkelvoss twins behind this project which made me, rightly or wrongly, think pedigree company. Plus I like that they are regulated by the appropriate regulators in New York. I thinkI am right. I have transferred considerable money into the Gemini account. They emailed me to question my source of funds. I actually appreciate their being concerned. I explained my source of funds and they seemed to understand it is all legitimate. Everything took a few days before I was active on the account. Their fees are much less than Coinbase. They only provide email support - no phone number which is concerning. The website is easy to use and trading seems safe on Gemini. So far no complaints!