Changelly
Instant crypto exchange and swap API with a fiat on-ramp aggregator, used directly and by partner wallets.
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Changelly key facts
| Category | Instant swap service |
|---|---|
| Platforms | Web, iOS, Android, API |
| Custody | Non-custodial |
| US availability | Not available: users must not be located in, under the control of, or a national or resident of the United States (including all territories), a Restricted Location under the terms of use |
| Launched | 2015 |
| Fees | 0.25% on floating-rate swaps (from output); no percentage stated for fixed-rate swaps, which use a locked rate; plus network fee |
What is Changelly?
Changelly is an instant crypto exchange that has operated since 2015 and lists 1,200+ cryptocurrencies. Its about page cites 840+ partners. Its terms list the United States, including all territories, among restricted locations.
How Changelly works
When you swap, Changelly routes the order through a third-party exchange service and sends the result to your address; its terms say it does not hold deposits or balances.
You choose a floating rate, which follows the market and can fail automatically if the executed rate drifts far from the estimate, or a fixed rate locked for 15 minutes, or 20 minutes for BTC, XMR, LTC, DCR, EOS, GAS, BNB and VET.
The Buy marketplace aggregates offers from 15+ fiat providers for 350+ coins in 100+ fiat currencies, and Changelly acts only as the aggregator, so each provider sets its own fees and terms. The about page also lists DeFi Swap across 100+ DEXs, an exchange API and a fiat on/off-ramp API for businesses. The service started in April 2015 with 30 cryptocurrencies.
How to start with Changelly
- Changelly is not open to US users.
- Its terms require that you are not located in, under the control of, or a national or resident of the United States (including all territories), which they list as a Restricted Location along with countries such as Austria, Germany, India, Japan, Turkey and the United Kingdom, and Changelly may suspend your account or transactions if it determines you are accessing the service from one or are a resident of one.
- Where it is available, a Changelly account needs a verified email and you must be at least 16.
- Send exactly the amount shown, allowing for network fees, or the swap may fail.
Changelly fees and limits
- Floating-rate swaps carry a 0.25% exchange fee taken from the output amount, which can differ for swaps made through API partners.
The terms describe two fee layers. For fixed-rate swaps the terms state no percentage; Changelly finds a market rate and locks it for the conversion. The network fee goes to miners, and Changelly shows an estimate that can differ from the final charge. Refunds come back less applicable fees and usually take 1 to 7 business days.
Risks to know before using Changelly
- Changelly can apply AML/KYC checks to specific users, addresses and transactions, and an exchange can be delayed while that runs.
- Mistakes such as a wrong network or missing destination tag can be fixed only with limits and supplementary fees, and only BTC can be refunded from a SegWit BTC address.
- Disputes go to confidential arbitration under the laws of England and Wales, and liability is capped at fees you paid in the prior 3 months.
Changelly alternatives
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Where Changelly ranks on DappAtlas
Changelly pros and cons
- 1,200+ cryptocurrencies listed
- Swap API used by 840+ partners
- Fiat aggregator for card and bank purchases
- Not available in the United States, including all territories
- Also restricted in the UK, Germany, Japan and India
- Floating-rate swaps carry a 0.25% fee plus network fees
Changelly FAQ
What is Changelly?
Changelly is an instant crypto exchange that has operated since 2015 and lists 1,200+ cryptocurrencies. Its about page cites 840+ partners. Its terms list the United States, including all territories, among restricted locations.
How much does Changelly cost?
0.25% on floating-rate swaps (from output); no percentage stated for fixed-rate swaps, which use a locked rate; plus network fee, according to Changelly’s own page (checked Sep 26, 2026).
Is Changelly available in the US?
Not available: users must not be located in, under the control of, or a national or resident of the United States (including all territories), a Restricted Location under the terms of use, according to Changelly’s own page (checked Sep 26, 2026).
Does Changelly hold my funds?
No. Changelly is non-custodial: you keep your funds in your own wallet and sign each transaction.
Sources
How this page works
Sources: Changelly: official site, Changelly: Terms of use, Changelly: About. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.