Binance.US vs The Change

Binance.US4.1/5

VS

The Change2.3/5

Feature	Binance.USVisit	The ChangeVisit
Ratings
Our score	4.1/5	2.3/5
User rating	No reviews yet	No reviews yet
Fees	5.0	2.5
Security & trust	4.0	1.5
Asset selection	4.0	3.0
Ease of use	4.0	3.5
Support	3.5	1.5
Specs
Markets	Spot, OTC	Spot
Maker fee	0%	Not disclosed
Taker fee	0.02%	Not disclosed
Coins listed	200	Not disclosed
Fiat deposit methods	Bank transfer, Card, Apple Pay, Google Pay, ACH	Not disclosed
KYC required	Yes	Not disclosed
Accepts US customers	Yes	Not disclosed
Proof of reserves	Yes	No
Staking / earn	Yes	No
Mobile app	Yes	No
Licenses & registrations	FinCEN MSB, 32 US State Money Transmitter Licenses	Not disclosed
Security features	U.S.-based cold storage, Multi-factor authentication, SOC 2 Type II certified, ISO 27001 certified, ISO 27701 certified	AML transaction screening, Cold storage fund quarantine
Futures & perpetuals	No	No
Copy trading	No	No
P2P market	No	No
Earn / savings products	Yes	No
User protection fund	No	No
Referral program	Yes	Not disclosed
Company
Founded	2019	—
Headquarters	United States	Panama
Investors	RRE Ventures, Circle Ventures, Foundation Capital, Original Capital +1	Not disclosed
Strengths and weaknesses
Pros	0% maker fees across all 250+ spot trading pairs Zero-fee fiat deposits and withdrawals through bank ACH transfers SOC 2 Type II and ISO 27001 third-party security audits Staking support across 25+ proof-of-stake cryptocurrencies	Supports privacy coins such as Monero alongside major networks like Bitcoin and Solana No ongoing web balance custody required for standard swap transactions API access available for automated order processing and third-party exchange launches
Cons	Unavailable to residents in 16 U.S. jurisdictions, including New York and Texas ACH fiat deposits carry a mandatory 7-day withdrawal hold Centralized custody model requires full trust in the exchange for fund safety Mandatory KYC identity verification required before trading or depositing	Disabled on BestChange monitor due to multiple open financial claims Disclosed a customer's private financial and employment records publicly in August 2026 Operates without virtual asset service provider licensing or regulatory supervision in Panama AML policy allows freezing user transfers into cold storage during investigations
Best for	U.S. spot traders placing limit orders, Investors seeking zero-fee ACH deposits, Proof-of-stake crypto holders earning rewards	Developers seeking exchange API integrations, Direct crypto-to-crypto asset swaps, Operators launching white-label swap sites

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.