Changenow.io

ChangeNOW describes itself as a non-custodial service, meaning it does not hold user funds on deposit or in balances. The platform supports over 1,000 cryptocurrencies and offers two exchange modes: a floating-rate (“Classic Rate”) option and a guaranteed-rate (“Fixed Rate”) option. Beyond the core swap function, ChangeNOW also offers a fiat-to-crypto purchase feature (via third-party providers), an optional “ChangeNOW Pro” account with added features, a mobile app, an API for developers, and a wider product ecosystem (NOW Wallet, NOW Tracker, NOW Custody, NOWPayments, NOWNodes).

Identity verification (KYC) is not required by default but may be triggered on a risk basis — for example, in cases of suspicious transaction activity, fraud or stolen-fund reports, or where third-party fiat partners require it.

Key Features

Instant crypto-to-crypto exchange, with no mandatory account creation for standard swaps
Two rate modes: Classic Rate (floating, market-based) and Fixed Rate (locked rate during a limited deposit window)
Fiat-to-crypto purchases via card (Visa/Mastercard) and other payment methods, through third-party partners (Simplex, Guardarian, Transak)
Optional “ChangeNOW Pro” account offering cashback, off-chain swaps, and AML address-check features
Mobile apps for iOS and Android, plus a direct APK download
Developer API for exchange integration, with separate Exchange and Custody API documentation
Affiliate program and a separate referral program
Asset listing service for new tokens/coins
White-label exchange, widget, and Telegram bot options for partners

Geographic Restrictions: ChangeNOW’s Terms of Service state that the service is not intended for users located in, or who are citizens/residents of, the United Kingdom or the United States of America (US users may use the service only after creating an account, per ChangeNOW Pro terms), or any country subject to United Nations Sanctions Lists, or any country where cryptocurrency use is prohibited by law. ChangeNOW states it reserves the right to restrict or deny service to additional jurisdictions at its discretion. Services for users in the Kyrgyz Republic are stated to be provided through a separate licensed partner (CJSC “AimTech”).

Security Features:

Non-custodial model — funds are not held in user balances/deposits on the platform for standard exchanges
Automated transaction-monitoring/risk-management system to flag suspicious activity
One-time, disposable deposit addresses generated per exchange
Stated ability to temporarily freeze and, in confirmed theft cases, return funds at the request of law enforcement
Public phishing-site warning, advising users to verify the exact domain (changenow.io)

Privacy Features:

No account registration required for standard crypto-to-crypto exchanges
No continuous or default identity verification; KYC is applied on a risk basis only in specific circumstances
Support for privacy-oriented assets (e.g., Monero/XMR) is listed among supported currencies
A “Private Crypto Transfers” feature is listed in the site’s product navigation (no further public detail found on this page)

Company:
ChangeNOW is operated by CHN Group LLC, a company incorporated in Saint Vincent and the Grenadines (Company No. 3010 LLC 2023). The registered address is in Saint Vincent and the Grenadines; a postal address is also listed in Tallinn, Estonia. Identity verification, when required, is handled by a named third-party provider, Sumsub, under GDPR/UK GDPR.

Additional Notes:

The site displays varying “supported currency” counts across different pages (figures observed ranging from roughly 900 to over 1,200), suggesting the number updates dynamically/in real time
ChangeNOW states it does not charge additional fees directly beyond those incorporated into the displayed exchange rate, though network and liquidity-provider fees apply
A processing fee of USD 50 is stated to apply in certain manual-refund scenarios (per Terms of Service)
ChangeNOW states certain exchange pairs may be routed through third-party exchange service partners (e.g., Swapzone.io), in which case KYC may be carried out by that partner under its own policy