ChangeNOW Review 2022: Crypto Swaps, Lending, Trading and More

ChangeNOW is a non-custodial exchange founded in 2017, offering a suite of crypto-related products for individuals and enterprise users including crypto-to-crypto swaps.

Our ChangeNOW review explores if this platform is the right fit for you; we’ll explore the ChangeNOW fees, how many cryptocurrencies it supports, customer service, and other notable core features. 

ChangeNOW —A Quick Summary

CHN Group Limited, the parent company of ChangeNOW, is a privately held company headquartered in Seychelles and with offices in the Netherlands.

ChangeNOW is non-custodial, meaning that you —and not exchange— hold the private keys of your crypto (private keys are similar to passwords that represent asset ownership).

Non-custodial exchanges have numerous advantages. You don’t have to worry about losing your funds due to a cyber-attack, having your account access denied, or having your assets deliberately frozen.

ChangeNOW is a partner of numerous elite players in the crypto industry, including Binance, Trezor, Atomic Wallet, Ledger, Huobi, and many more.

Frequently Asked Questions (FAQ)

Is ChangeNOW available for all countries?: The exchange is available for a wide range of countries, but there are some exceptions: Cuba, Iran, the USA, Crimea, Sudan, Syria, Bolivia, Bangladesh, Yemen, and North Korea

Can I buy crypto using a credit card on ChangeNOW?: ChangeNOW supports credit card purchases thanks to its third-party partners: Simplex and Guardarian.

Who are the founders of ChangeNOW? CHN Group Limited is the founder of ChangeNOW.

Is ChangeNOW legit? How safe is it?: Yes, ChangeNOW is a legit company; it uses numerous security protocols to protect its customers.

How to Use ChangeNOW

The main dashboard is intuitive and easy to navigate. You’ll find the exchange section directly on the main page. To use it, enter the number of cryptos you want to exchange for the over 450 cryptocurrencies.

Once you’ve selected the cryptos you want to trade, click on Exchange to be redirected to a checkout page where you’ll have to reconfirm the amount and paste the recipient’s wallet (you can also use a QR code).

It’s without hidden fees. The transaction time will depend on the cryptocurrency’s respective network. For example, if you’re receiving Ethereum or Ethereum-based tokens, it would take around 10 to 15 min for the Ethereum blockchain to settle the transaction. 

Once you confirm the trade, your coins will be on the way. While it’s not mandatory, it wouldn’t hurt to leave your email address below the page to receive a notification from the exchange once your funds reach your wallet.

Additionally, you can paste your ETH wallet below the page to receive bonuses in the form of NOW tokens (we’ll expand on the token in another section). These bonuses give users access to exclusive features such as fixed rates, accelerated customer support, and new coin listings. 

ChangeNOW Registration Process

We previously stated that users don’t need to go through a Know Your Customer (KYC) process to use the exchange. While this applies to crypto-to-crypto trades, fiat-to-crypto requires a third-party payment processor, so a registration procedure is required. 

ChangeNOW conducts fiat-to-crypto trades thanks to two third-party partners: Simplex, a licensed financial institution, and Guardarian, another licensed payment gateway entity.

The registration process is straightforward:

  1. Click on the arrow button located at the right corner of the page
  2. Type an email address, and a password, and click on Agree with the Terms of Use.
  3. Click on Sign up.
  4. Confirm your email address with the link sent to your email account.
  5. Next, verify your account by submitting a government-issued document such as a passport, ID card or driver’s license.

Other Core Features of ChangeNOW

ChangeNOW has more to offer than just swapping cryptocurrencies instantly. Some notable features are:

Now Token

The NOW token is ChangeNOW’s utility asset and comes in two versions: an ERC-20 for the Ethereum ecosystem and a BEP-2 for the Binance Chain. Users can exchange NOW tokens within the platform or use them to buy products and services.

Users can also stake NOW tokens on the ChangeNOW platform and receive 25% ROI (return of investment). It’s a progressive interest accrual scale —the more time you hold NOW, the bigger the rewards.

Now Wallet

The NOW wallet allows users to store more than 450 cryptocurrency coins and tokens, including Non-Fungible Tokens (NFTs). 

The NOW wallet is also compatible with multiple blockchain ecosystems, including Ethereum Polygon, Avalanche, Solana, Binance Smart Chain (BSC), and TRX. Besides moving and storing crypto, users can also interact with dApps (decentralized applications) on these blockchains via QR code.

Telegram Bot

ChangeNOW has an official Telegram Bot that allows users to swap crypto on their phones or desktops with no additional costs or hidden fees.

NOW Payments

NOW Payments is an enterprise-grade solution for companies that want to receive payments in cryptocurrency. It offers clients support for over 100 coins and tokens, automated conversion from crypto to fiat, low fees starting at 0.40%, 24/7 support and no chargebacks. It’s also easy to set it up by choosing an integration type and adding a pay button on your website.

NOW Loans

ChangeNOW allows you to take out loans in two stablecoins: USDT and USDC, and use your cryptocurrency as collateral. NOW Loans come with a few benefits:

  • Fixed Loan-to-Value (LTV) and Annual Percentage Rates (APR): 50% and 10% respectively.


  • No limits on loans: Users can close the loan whenever they want.


  • No monthly payments. The interest rate is accrued monthly and paid out when the user closes the loan.


  • All funds are stored in different wallets and private keys are renewed monthly.

ChangeNOW Affiliate Program

By joining ChangeNOW Affiliate Program, you can leverage several options to help your business or website grow. These include: 

  • Instant exchange API (Application Program Interface), which is open source and fully customizable so you can run your own crypto exchange


  • Traffic monetization solutions, such as referral programs and customizable WordPress plugins.


  • Payment gateway integration to allow your business to receive crypto payments with support for over 100 coins and tokens and instant settlements into merchant wallets.

Pros and Cons of ChangeNOW

Naturally, each crypto exchange has its set of pros and cons. Let’s outline them below:

Pros explained:

  • Several crypto products and services for individuals and corporate clients.


  • Support for a wide range of coins and tokens, including NFTs.


  • Official wallet with support for multiple blockchains and connections to dApps.


  • A clear fee structure with no hidden costs.


  • Easy to use and beginner-friendly.


  • Non-custodial and no registration process required.


Cons explained:

  • Not available in the US

ChangeNOW —Customer Support and Customer Satisfaction

ChangeNOW offers customers several ways to contact customer support, including a Help Center, FAQ, and fast 24/7 live chat support. 

It also ranks well on Trustpilot with over 7000 reviews. 89% of reviewers have marked it as Excellent.

Final Thoughts: Is ChangeNOW Legit?

As you might have noticed, ChangeNOW is not only for exchanging crypto and fiat; it also offers a wide array of crypto products and services. ChangeNOW’s founding team has partnered with some of the largest entities in the cryptocurrency industry, giving users an air of security and professionalism.

Overall, ChangeNOW is a solid option to swap cryptocurrency, but its wide range of features makes it an appealing platform for boosting online businesses and social media blogs.

However, as with any custodial platform, be aware of the risks of third party custody.

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