this week:
nov 2 — US ISM Manufacturing PMI — factory gauge sets the tone
nov 3 — US JOLTS job openings — labor demand still the Fed's focus
nov 3 — US Congressional Elections — the week's biggest swing factor
nov 4 — EUR Core CPI Flash Estimate y/y — underlying inflation in Europe
nov 4 — EUR CPI Flash Estimate y/y — headline number alongside it
nov 3 — Stellar testnet upgrade — XLM protocol work continues
nov 3 — CC burn discussion — supply talk, no decision yet
nov 5 — Zcash NU7 mainnet activation — ZEC's next network upgrade goes live
Changelly
Non-custodial swap service with 1,000+ assets and 185+ supported blockchains
3.5/ 5
Our score
Good
Maker fee
0.1%
Taker fee
0.1%
Coins listed
1,000
KYC required
No
Proof of reserves
No
What is Changelly?
Changelly is a non-custodial cryptocurrency swap service launched in 2015. It routes fixed-rate and floating-rate transactions through liquidity partners and supports more than 1,000 digital assets across 185+ blockchains. The platform also offers fiat on-ramps, off-ramps, developer tools and Changelly PRO, a separate trading platform.
Company and products
Changelly's parent company is Marella. The platform reports 12M+ registered users as of April 2026 and 2.6M+ monthly active users in October 2026. Its products include Instant Swap, fiat purchasing and selling through payment processors, and developer tools such as a white-label API and widgets. Changelly PRO has spot and futures order books.
How the exchange works
Users select a trading pair, enter the destination wallet address and send the asset to the deposit address shown by Changelly. The exchanged coins are then sent to the user’s wallet, rather than held in a platform account. Typical transaction times are 5–40 minutes, although blockchain congestion can delay settlement.
Rates can be fixed or floating. The service connects to centralized and decentralized liquidity partners, while wallets, aggregators and dApps can embed its exchange functions through the API. Supported fiat payment methods include Visa, Mastercard, bank transfer, SEPA transfers and Apple Pay. Changelly lists partnerships with wallets including Exodus, Ledger and Trezor.
Fees and verification
Floating-rate instant swaps carry a 0.25% service fee. Changelly PRO Starter accounts charge 0.1% maker and 0.1% taker for spot trading. Businesses using the API can add a fee ranging from 0.1% to 5% per transaction.
Most crypto swaps do not require KYC at the start, but AML risk checks can trigger a review or hold. Changelly describes basic KYC limits of up to 10,000 EUR per 48 hours in many cases; higher-volume activity can require additional identification and a face-to-face call.
Track record and risks
Changelly marked its 11th anniversary in April 2026 and reported a partner network of 840 Web3 companies. A review found no reported hack of Changelly since its 2015 launch, but the platform has no formal license from major financial bodies and does not offer deposit insurance or proof of reserves. Desktop accounts offer 2FA, while the mobile app lacks 2FA. Users also face risks involving wallet addresses and network selection, third-party fiat gateway fees, and possible AML-related withdrawal holds.
Best for:Wallet-to-wallet crypto swapsAltcoin and multichain conversionsFiat crypto purchasesWallets embedding swap APIs
Pros and cons
Pros
- 1,000+ assets across 185+ blockchains
- Non-custodial settlement sends exchanged coins to the user's wallet
- Floating-rate swap fee is 0.25%
- Fiat purchases support cards, bank transfer, SEPA and Apple Pay
- 24/7 live chat and email support
Cons
- No formal license from major financial bodies
- No deposit insurance or proof of reserves
- AML reviews can hold funds and require extra identification
- Mobile app lacks two-factor authentication
- Third-party fiat gateways can add higher fees
Our review
3.5/5
Good
Changelly offers broad, non-custodial instant swaps, but its convenience comes with variable pricing, AML holds and no major financial license.
Changelly is a non-custodial instant-swap service founded in 2015. It routes transactions through liquidity partners instead of keeping customer crypto on an exchange balance. The platform says swaps usually take 5–40 minutes, while its FAQ gives a typical range of 10–40 minutes and notes that blockchain congestion can extend settlement.
Changelly supports more than 1,000 cryptocurrencies across more than 185 blockchains, with crypto-to-crypto swaps and fiat purchases through Visa, Mastercard, bank transfer, SEPA and Apple Pay. It reports 12 million-plus registered users and 2.6 million-plus monthly active users. A 24/7 live chat and email support are available, and the mobile app is offered in 12 languages with a stated 4.7 App Store and Google Play rating.
Floating-rate swaps carry a 0.25% service fee. Floating-rate swaps carry a 0.25% service fee. Fiat gateway charges can be high. Changelly PRO is a separate centralized trading platform with 0.1% maker and 0.1% taker spot fees for Starter accounts, plus futures markets with 0.02% maker and 0.05% taker fees.
Changelly has had no reported hack since launching in 2015. It has no deposit insurance or proof of reserves, however, and no major financial-body license is identified. Basic swaps often do not require KYC, but AML checks can trigger identity reviews and fund holds. Desktop accounts have 2FA, while the mobile app lacks 2FA.
Changelly suits people who value access to a large set of assets and direct wallet settlement over order-book control.
Specs
| Markets | Spot, Futures · unverified |
|---|---|
| Maker fee | 0.1% · unverified |
| Taker fee | 0.1% · unverified |
| Coins listed | 1,000 · unverified |
| Fiat deposit methods | Card, Apple Pay, Bank transfer, SEPA · unverified |
| KYC required ⓘ | No · unverified |
| Proof of reserves | No · unverified |
| Mobile app | Yes · unverified |
| Security features | 2FA · unverified |
| Futures & perpetuals | Yes · unverified |
| User protection fund | No · unverified |
| Referral program | Yes · unverified |
Not disclosed by the provider: Accepts US customers, Staking / earn, Licenses & registrations, Max leverage (x), Copy trading, P2P market, Earn / savings products.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Instant wallet swaps
Users select a pair, send crypto to a displayed address and receive the exchanged asset in their wallet, typically within 5–40 minutes.
Broad asset support
Changelly supports more than 1,000 cryptocurrencies across 185+ blockchains, including assets added through partner liquidity.
Fixed and floating rates
Swaps can use a fixed or floating rate. Floating-rate transactions carry a 0.25% service fee.
Fiat on and off ramps
Users can buy or sell crypto through third-party processors using Visa, Mastercard, bank transfer, SEPA transfers or Apple Pay.
Changelly PRO trading
The separate PRO platform offers spot and futures order books, with Starter spot fees of 0.1% maker and 0.1% taker.
Exchange API
The white-label API and widgets let wallets, aggregators and dApps embed swap and on-ramp functions.
24/7 support
Changelly offers live chat and email support through [email protected] around the clock.
Inside Changelly
Exchange
The core service lets users select a crypto pair, enter a destination wallet address, send the source asset and track the swap. Floating-rate swaps carry a 0.25% service fee.
Buy
The fiat purchase service lets users buy crypto through payment partners using Visa, Mastercard, bank transfer, SEPA or Apple Pay.
Sell
The sell service provides a fiat off-ramp through third-party payment processors, including MoonPay, Switchere and Simplex.
DeFi Exchange
The DeFi Exchange section provides crypto conversion, with the received funds sent to the wallet address entered for the transaction.
Changelly PRO
Changelly PRO is the separate centralized trading platform with spot and futures order books. Starter spot fees are 0.1% maker and 0.1% taker.
API
The API provides white-label swap features for wallets, aggregators and dApps. Developers can use API keys and add an extra commission ranging from 0.1% to 5% per transaction.
Changelly screenshots
What users say about Changelly
App Store reviews highlight Changelly's mobile interface, quick execution, upfront transaction figures, and customer support. In contrast, Reddit discussions feature severe complaints regarding transactions frozen for extended periods under AML and KYC procedures with slow or unresponsive compliance resolution.
Top goods
In their own words
“did the whole thing without a guide i'm still learning how crypto works and this was my first time swapping without someone walking me through it. the steps are clear enough to follow on your own. you can see what you're confirming before you send, which helped. no mistakes made”
“Faster than the stated range Changelly says swaps can take up to 40 minutes. Mine finished in about eight. The gap between the worst-case estimate and the actaul result was reassuring”
“support stopped me making a mistake i wasn't sure which memo field to fill in for the destination address. messaged support before sending anything. they replied quickly and the explanation was acurate. saved me from sending funds to the wrong place”
“U/AlexFairbrook can you look at my case. Its coming up to a year of any request from AML team or any pro-active updates from them. Any update request from my end has been met with generic nothing response”
“$150,000 USDT TRC20 → XRP swap on Changelly stuck for 4 days — KYC demanded, no ETA given. >**UPDATE**: Still waiting. Will update this thread as things develop. Feel free to drop your own experience below.”
“I will be more than happy to update when it all sorted for the full transparency for other uses. As it stands now its been over a year and as of now I dont even get a descent communication from you guys on emails or here. None of my specific questions are answered.”
Scam warning: Users report fraudulent recovery agents on external social media targeting individuals with frozen transactions.
Based on 100 Reddit posts and comments, 50 App Store reviews from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Changelly? Share your experience below.
FAQ
Who founded Changelly?
Changelly was founded in 2015, and Marella is its parent company.
What fees does Changelly charge?
Floating-rate swaps carry a 0.25% service fee. Changelly PRO Starter spot accounts charge 0.1% maker and 0.1% taker.
Does Changelly require KYC?
Most crypto swaps do not require KYC, but AML risk checks can trigger an identity review and hold funds. Basic and advanced KYC procedures apply when checks or transaction volume require them.
Is Changelly safe to use?
Changelly has had no reported hack since launching in 2015 and sends exchanged crypto directly to the customer's wallet. It has no deposit insurance or proof of reserves, desktop accounts have 2FA, and the mobile app lacks 2FA.
How many coins and blockchains does Changelly support?
Changelly supports more than 1,000 cryptocurrencies across more than 185 blockchains. The platform supports crypto swaps plus purchases through Visa, Mastercard, bank transfer, SEPA and Apple Pay.
Does Changelly offer futures trading?
Changelly PRO offers spot and futures order books. PRO Starter futures fees are 0.02% for makers and 0.05% for takers.
Latest from Changelly on X
fear & greed 37, fear — up from 34 yesterday
BTC -0.07% at $78,023, ETH +0.90% at $2,290
market cap -2.8% over 24h to ~$2.61t
OCC finalized its stablecoin framework, live January 18, 2027
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/SOkF9q5lbw
BTC -0.07% at $78,023, ETH +0.90% at $2,290
market cap -2.8% over 24h to ~$2.61t
OCC finalized its stablecoin framework, live January 18, 2027
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/SOkF9q5lbw
fear & greed 34, fear — up from 30 yesterday
BTC +0.88% at $78,041, ETH +1.14% at $2,269
total market cap -1.8% 24h, around $2.61t
October's ETF outflows and Binance fallout still hanging over it
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/V3lUqzGESL
BTC +0.88% at $78,041, ETH +1.14% at $2,269
total market cap -1.8% 24h, around $2.61t
October's ETF outflows and Binance fallout still hanging over it
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/V3lUqzGESL
fear & greed 30, fear — flat vs yesterday
BTC -0.30% at $77,359, ETH +0.72% at $2,243
total market cap -4.1% 24h, ~$2.60t
Binance hot-wallet hack, $6.3b, drove $1.57b in liquidations
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/SJaYDIxESi
BTC -0.30% at $77,359, ETH +0.72% at $2,243
total market cap -4.1% 24h, ~$2.60t
Binance hot-wallet hack, $6.3b, drove $1.57b in liquidations
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/SJaYDIxESi
fear & greed 30 (fear), down from 51 yesterday
BTC -3.17% to $77,578, ETH -3.98% to $2,227
total market cap -5.2% 24h, ~$2.63t
tech earnings miss, haven bid, Brent +2% toward $117
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/aEXObEv0Ik
BTC -3.17% to $77,578, ETH -3.98% to $2,227
total market cap -5.2% 24h, ~$2.63t
tech earnings miss, haven bid, Brent +2% toward $117
buy or swap on changelly → https://t.co/ENVElcmvIB
not for UK users https://t.co/aEXObEv0Ik
Recent public posts from @changelly_team, shown as published. Not reviewed or endorsed by CryptoReview.
Latest from Changelly on Telegram
Changelly
Join
@changelly · 15.7K subscribers
fear & greed 34, fear — up from 30 yesterday
BTC +0.88% at $78,041, ETH +1.14% at $2,269. total market cap -1.8% 24h, around $2.61t.
context: Bitcoin fell about 7.3% in October, with U.S. spot-Bitcoin ETFs logging a record monthly outflow of $643.3 million on October 30 amid fallout from the reported $6.3 billion Binance hack. sentiment is a touch less grim than yesterday, but that's a low bar.
buy or swap on changelly → changelly.onelink.me/vlff/cx86ez5y
Not for use in jurisdictions where restricted or regulated, including the UK. Users are responsible for local compliance.
BTC +0.88% at $78,041, ETH +1.14% at $2,269. total market cap -1.8% 24h, around $2.61t.
context: Bitcoin fell about 7.3% in October, with U.S. spot-Bitcoin ETFs logging a record monthly outflow of $643.3 million on October 30 amid fallout from the reported $6.3 billion Binance hack. sentiment is a touch less grim than yesterday, but that's a low bar.
buy or swap on changelly → changelly.onelink.me/vlff/cx86ez5y
Not for use in jurisdictions where restricted or regulated, including the UK. Users are responsible for local compliance.
fear & greed 30, fear — same as yesterday, which is its own kind of calm
BTC -0.30% over 24h at $77,359. ETH +0.72% at $2,243, doing its best impression of stability. total market cap -4.1% 24h, around $2.60t.
the driver: a record $6.3 billion hot-wallet hack at Binance, which helped set off roughly $1.57 billion in crypto liquidations and pushed Bitcoin below $77,000. sentiment holding at 30 through that is either resilience or numbness — hard to tell from here.
buy or swap on changelly → changelly.onelink.me/vlff/cx86ez5y
Not for use in jurisdictions where restricted or regulated, including the UK. Users are responsible for local compliance.
BTC -0.30% over 24h at $77,359. ETH +0.72% at $2,243, doing its best impression of stability. total market cap -4.1% 24h, around $2.60t.
the driver: a record $6.3 billion hot-wallet hack at Binance, which helped set off roughly $1.57 billion in crypto liquidations and pushed Bitcoin below $77,000. sentiment holding at 30 through that is either resilience or numbness — hard to tell from here.
buy or swap on changelly → changelly.onelink.me/vlff/cx86ez5y
Not for use in jurisdictions where restricted or regulated, including the UK. Users are responsible for local compliance.
107 View on Telegram
word of the week — slippage
thin markets and big orders make it worse; check liquidity before you size up.
thin markets and big orders make it worse; check liquidity before you size up.
167 View on Telegram
fear & greed at 30 (fear), down from 51 yesterday
mood flipped fast. BTC -3.17% to $77,578, ETH -3.98% to $2,227, total market cap -5.2% over 24h to ~$2.63t.
the driver wasn't crypto-native: disappointing tech earnings dragged the Nasdaq down 1.4%, money slid into Treasuries, and Brent rose 2% toward $117 on Iran-strike fears. risk-off everywhere, bitcoin just came along.
one dry takeaway: when the haven bid goes to bonds instead of bitcoin, that's the market telling you what it thinks bitcoin is this week.
buy or swap on changelly → changelly.onelink.me/vlff/cx86ez5y
Not for use in jurisdictions where restricted or regulated, including the UK. Users are responsible for local…
mood flipped fast. BTC -3.17% to $77,578, ETH -3.98% to $2,227, total market cap -5.2% over 24h to ~$2.63t.
the driver wasn't crypto-native: disappointing tech earnings dragged the Nasdaq down 1.4%, money slid into Treasuries, and Brent rose 2% toward $117 on Iran-strike fears. risk-off everywhere, bitcoin just came along.
one dry takeaway: when the haven bid goes to bonds instead of bitcoin, that's the market telling you what it thinks bitcoin is this week.
buy or swap on changelly → changelly.onelink.me/vlff/cx86ez5y
Not for use in jurisdictions where restricted or regulated, including the UK. Users are responsible for local…
150 View on Telegram
Recent posts from the official Telegram channel @changelly, shown as published. Not reviewed or endorsed by CryptoReview.
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