ChangeNOW: swap quotes, Pro balances, wallet control and regional access

ChangeNOW is a crypto conversion service with liquidity drawn from centralised and decentralised venues. Its standard flow accepts an incoming transfer and pays the converted asset to a specified wallet. ChangeNOW Pro adds balances and account tools; NOW Wallet is separate wallet software. The choice between these products changes who controls keys, what is stored and which instructions remain active.[4]

The current trading page labels perpetual contracts as coming soon and describes direct balance cash-out to a bank or card as a 2026 release. Those announcements are not treated here as evidence of a fully available derivatives market or a universally enabled fiat withdrawal route. Existing fiat purchases and crypto withdrawals have their own documented flows.[22]

Third parties execute Pro limit orders, potentially partially or not at all. No universal expiry menu or browser-closure cancellation rule was established.[3]

The quoted output is the main cost comparison for an instant swap. The published partner guide identifies ChangeNOW remuneration, a possible partner commission and deposit/withdrawal network costs within the estimate. A zero separately invoiced trading fee does not mean zero economic cost. The default partner commission is 0.4%, adjustable by asset, pair or amount; it is not the universal fee for a direct retail exchange.[12]

The membership guide says a paid plan is activated using NOW tokens. Cashback percentages do not turn the NOW-denominated monthly cap into a fixed dollar allowance: the token conversion and actual eligible transactions matter. The guide includes loans and staking from 10 NOW across the plans; it does not establish a borrowing entitlement for every subscriber.[6]

For illustration, a 0.1% reward applied to USD 1,000 of eligible exchange value equals USD 1 before token conversion or caps. This is reward arithmetic, not a promise of a USD cash payout. The benefits guide allows rewards to be withdrawn or reused; account and withdrawal conditions remain relevant.[8]

The fixed-rate guide explains that a reserve for price risk is included in the quote. Its rate can therefore differ from the floating quote for the same pair. The published service standards also permit a pause and a choice between revised execution and refund after a market move of at least 3%; the fixed-rate label should be read with those exception rules.[26][10]

A large permitted amount is not proof of deep liquidity. The maximum-amount guide acknowledges that rapid buying or selling can move the market. A fresh executable estimate is needed for the actual size; a small-order quote cannot simply be multiplied to establish large-order output.[19]

Refunds are not guaranteed after funds reach the exchange. The current refund guide excludes completed payouts, orders partly or fully exchanged, deposits smaller than the network fee, and inaccessible unsupported assets. It normally returns funds to the sending address. Customers using another exchange’s withdrawal address need to resolve the return route with support before assuming they control it.[9]

Core terms add USD 50 plus relevant network fees for recovery of specified deposit mistakes, including wrong assets, networks or memos. Recovery is conditional, not a purchased guarantee.[2]

Pro withdrawals are requested separately for each asset from Balance. The published process requires an email confirmation code and an authenticator code; two-factor authentication is mandatory. The destination becomes whitelisted during that confirmation. The guide does not state a universal post-reset hold or maximum withdrawal settlement time.[15]

Fiat purchases use third-party providers and support currencies including USD, EUR, GBP and CAD. The card guide lists Visa and Mastercard, directs prepaid-card eligibility to the provider and requires provider identity checks. Those are purchase routes, rather than evidence that ChangeNOW itself opens a bank account in each displayed currency.[20]

Pro markets hosted balances. Its terms assign swap custody to third parties, while denying ChangeNOW itself provides custody. The selected custodian and contract must therefore be checked; standard-swap descriptions cannot be applied to the whole account product.[5][3]

NOW Wallet states that sensitive wallet information and private keys remain on the device rather than its servers. It supports multiple chains, in-app conversions and connections to decentralised applications. That does not make every connected swap provider part of the wallet’s key-custody arrangement or remove the consequences of signing an external transaction.[14]

Wallet recovery uses the recovery phrase, generally 12 or 24 words, or exported private keys. The import/export guide places backup responsibility on the holder. Restoring the wallet gives access to its assets; it is a different operation from recovering a Pro email account or retrieving a device’s local exchange-history list.[13]

The Pro product’s security descriptions did not establish a customer insurance limit, named insurer or public reserve attestation. An AML address check reports screening information, not a guarantee that a transfer is recoverable or a balance insured.[5]

Core terms exclude UK and Indian users, Russian residents/locations and sanctioned jurisdictions. US access requires the Pro account route. KYC is mandatory for residents of the EU, US, Japan, South Korea, Singapore, Hong Kong, UAE, Australia and Canada.[2]

Pro routes verified EU users and specified US states through third-party processors. Its list omits Alabama, Alaska, Hawaii, Nevada, New Mexico, New York, Rhode Island, South Dakota, Vermont and Washington. Provider eligibility still governs.[3]

The site states an 18+ access requirement. Its July 2026 AML policy distinguishes mandatory jurisdiction-based checks from risk-triggered checks elsewhere, and allows verification either on ChangeNOW.io or through the verified ChangeNOW.com route. Suspicious transactions can be held for individual review.[27]

Sumsub handles identity verification. Requested material can include a government ID, source-of-funds evidence and additional case-specific documents. The AML policy gives a three-day verification-link lifetime, after which the case is individually reviewed; it is not a three-day guarantee that blocked funds will be released.[27]

The October Pro verification guide describes Settings → Verification, an ID document and a selfie. Although its general text says Pro can work without KYC, that statement cannot override the regional requirements in the governing core terms. Verification may also be necessary for fiat features and higher limits.[7]

The service standards publish 24/7 support, a ten-minute response target and an average three-hour exchange-issue resolution target measured from reporting. They also expressly state that the guidelines are non-binding. These figures are not a measured service test or a promise that a disputed transfer will resolve within that time.[10]

API support guidance describes continue/refund endpoints for eligible stopped transactions. Its address-reuse description is broader than the retail guide’s 24-hour classic payment window. A historical API address should therefore not be used as evidence that a new retail payment can safely ignore the current order’s instructions.[11]

The retrieved corporate disclosures identify a Saint Vincent and the Grenadines company. Incorporation and an AML policy do not establish a financial-services authorisation. No current exact authority record was established for the main ChangeNOW operator, and no licence is inferred from the platform’s country-reach claims.[28]

Pro assigns regional execution to separate counterparties. Permission checks must match the actual provider and transaction; no group-wide licence follows.[3]

Current site disclosures name CHN Group LLC, company number 3010 LLC 2023, registered in Saint Vincent and the Grenadines. Its site history begins in 2017. ChangeNOW Pro, NOW Wallet and business APIs are covered here as related product routes, without treating their different custody descriptions as a corporate-name change.[1]

On the checked date, the About page claimed ten million clients, 50,000 daily exchanges and 5,000 API partners. These are company metrics with different denominators, not a verified league-table position by volume. A client count is not a count of daily active traders, and exchange count does not disclose the monetary size traded.[1]

Core terms limit their assurance of safekeeping for exceptional unclaimed funds to one calendar year. That rule is different from an inactivity subscription fee; no general inactivity tariff was established.[2]

Operator

CHN Group LLC

Exchange model

Hybrid

Service scope

Instant conversion across trading venues; Pro account tools, partner fiat access and related wallet services.

Client types

Retail clients

Pricing publication

Public and quoted pricing

Other names

ChangeNOW Pro; NOW Wallet

Pricing scope

Swap costs enter quotes; Pro has published membership prices and cashback caps.

Funding scope

Network-specific crypto transfers and partner fiat purchases; balance cash-out availability requires confirmation.

Custody and asset handling

Pro uses third-party custody; NOW Wallet retains keys locally.

Client eligibility

18+; regional restrictions, mandatory KYC in specified jurisdictions and conditional US account access.

Support

Help-centre tickets and transaction-specific contact routes; published support standards are non-binding.

Authorisation and registration scope

No current exact financial permission established for the main operator; third-party regional execution has separate terms.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 3Source 4Source 5Source 6Source 10Source 12Source 14Source 20Source 22Source 25Source 27Source 28

The 8 October staking guide advertises up to 6.25% APR, a 10–100,000 NOW per-account range and reward halving after each 1.5 million NOW distributed. A percentage quoted in tokens should not be read as a fixed fiat return. The retrieved guide did not fully establish an unstaking clock or every network-specific eligibility condition.[17]

The loan guide describes open-ended repayment, interest accrued monthly and paid on closure, and a 10% APR. It simultaneously states 80% loan-to-value and gives examples at 50%. That contradiction is material: neither figure is presented as a reliable current borrowing quote. The actual lender agreement must resolve collateral, liquidation and repayment terms before funds are committed.[16]

Pro terms also describe prediction markets through NOW Custody and external market-data providers. This is a separate third-party functionality, not evidence that ChangeNOW operates the underlying market or guarantees payouts.[3]

The business API publishes 1,800 requests per minute across endpoints under one key and no dedicated test environment. Its private key is described as issued once per business account through a GPG process and usable only with the v2/exchanges endpoint. The retrieved guide does not establish a full self-service read/trade/withdraw permission matrix or key-replacement procedure.[24]

ChangeNOW Buddy and the MCP server can discover assets, estimate swaps, create exchange instructions and check their status. The AI hub specifically says these tools do not handle private keys or execute actual blockchain transactions: they create exchanges using user-defined parameters and return IDs and links for verification. Broader promotional language about autonomous execution should be read with that concrete boundary.[21]