comparison · Instant swap (no account)
ChangeNOW vs FixedFloat
Both are listed in Instant swap (no account). The table below pulls directly from each service’s data sheet; see each entry for sourcing.
| Field | ChangeNOW | FixedFloat |
|---|---|---|
| KYC | optional KYC | optional KYC |
| Category | Instant swap (no account) | Instant swap (no account) |
| Jurisdiction | Belize (operator-disclosed) | Seychelles (operator-disclosed) |
| Payment methods | crypto, card (via partners) | crypto, lightning |
| Fiat on-ramp | yes | no |
| Custodial | no | no |
| Open source | no | no |
| Founded | 2017 | 2018 |
| Last verified | Jan 1, 2026 | Jan 1, 2026 |
ChangeNOW — summary
ChangeNOW has been operating since 2017 and is one of the default options on every swap aggregator.
- + One of the original no-account exchangers; broad asset and chain coverage.
- + Fixed-rate option locks the conversion at order time.
- + Affiliate-free B2C flow exists alongside the partner-facing API.
- − Holds-with-KYC-to-release are an ongoing reported pattern on flagged outputs; criteria are opaque.
- − The fiat purchase flow runs through KYC providers — it is not no-KYC.
- − Facts need re-verification by operator (last seeded 2026-01).
FixedFloat — summary
FixedFloat is one of the larger no-account instant exchangers and one of the most-cited routes for BTC ↔ XMR swaps in the Monero community.
- + Wide asset coverage including Lightning, with both fixed-rate and floating-rate modes.
- + Order-status page is detailed enough to debug stuck swaps without contacting support.
- + No mandatory signup for the standard quote-and-swap flow.
- − In February 2024 FixedFloat disclosed an exploit that drained roughly $26M in BTC and ETH from its hot wallets; downstream effects on screening and review windows have persisted.
- − Holds with KYC-to-release have been widely reported across instant-exchanger reviewers; the screening provider and triggers are not public.
- − Facts need re-verification by operator (last seeded 2026-01).
When to choose which
Treat this section as heuristic. Privacy properties depend on how you use the service, not just which one you pick.
- Choose ChangeNOW if one of the original no-account exchangers; broad asset and chain coverage..
- Choose FixedFloat if wide asset coverage including lightning, with both fixed-rate and floating-rate modes..
- Either way, re-check the entry’s last verified date — the Instant swap (no account) category churns.
Mentioned in (combined)
Pages on the site that reference ChangeNOW, FixedFloat, or both.
Ranked picks
Quick answers
Country pages
Compared as of .