Changelly

caution Risk-based KYC Instant swap no account

4.8/10 total

One of the oldest instant swap platforms and among the most widely integrated into wallets. Also one of the most complained-about for AML holds requiring full identity documents, including source-of-funds requests.

Scores

No-KYC 3

Fees 6

Privacy 3

Custody 4

Record 6

Coverage 9

Weights are published in the method and applied identically to every entry.

For

Very long operating history and deep wallet integration
Low headline floating fee
Wide asset coverage

Against

Extensive history of AML holds demanding ID and source of funds
Applied rate often lags the aggregated market rate
EU-registered, so subject to travel-rule pressure

Agent access 5/10

Mature API, but keys are issued to vetted partners only.

Reported separately and not counted in the total. It measures what an autonomous agent can do unattended, not whether the service is safe to use.

Fees

0.25% floating / higher fixed

Low headline floating fee, but the applied rate is frequently worse than the aggregated market rate.

Specification

Type: Instant swap
KYC policy: Risk-based KYC
Custody model: custodial-in-flight
Account required: no
Assets: 500+
Chains: 60+
Operating since: 2015
Jurisdiction: Czech Republic
Onion service: no
Works without JS: no
Open source: no
Facts checked: 2026-07-31

Links

https://changelly.com

Plain links, no referral parameters. Verify the domain yourself; phishing clones of every service in this table exist.