Swap front-end routing orders through third-party processing partners
Privacy 10.0
Safety 8.4
Instant Swaps Since 2015 Reviewed 22 Oct 2026
Changelly review
Long-running instant crypto exchange with a fiat on-ramp marketplace
- Accepts Monero
- 5+ years operating
- May ask for ID
- Screens deposits
- Passes orders to partners
ID on risk flag KYC 3 Documentation reviewed
Privacy
1.7/ 10
Poor
Safety
4.4/ 10
Caution
Based on terms and documentation. No test transactions published yet. See the arithmetic
Changelly review in short
Changelly is a swap service operating since 2015. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 1.7/10 for privacy (poor) and 4.4/10 for safety (caution). In its favour: accepts Monero and 5+ years operating. To watch: it may ask for ID, screens deposits and passes orders to partner exchanges. No incidents are on record.
- Category
- Instant Swaps
- KYC level
- 3 of 4: ID on risk flag
- Grades
- Privacy 1.7/10, Safety 4.4/10
- Sign-up
- Email required
- Custody
- custodial
- Fees
- 0.25% of the output amount on floating-rate swaps (per terms); fixed-rate fee built into the quoted rate
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "Changelly review", reviewed 22 Oct 2026, https://nokycscore.com/service/changelly
Also available as plain text.
What Changelly is
Changelly is an instant crypto exchange operating since 2015 that also lists third-party fiat providers for buying and selling crypto. Its terms say exchanges are processed through a third-party exchange service, that a Changelly account with a verified email is required, and that users agree to pass AML/KYC procedures under its internal policy. The AML/KYC policy states that a transaction flagged as suspicious by the risk scoring system is put on hold and the customer is asked for name, date of birth, address and a government-issued photo ID. The terms exclude residents of the United States, United Kingdom, Germany, Japan and several other countries.
What Changelly offers, and what to watch
2 of 15 privacy and safety features, 6 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required No
- No account needed No
- No email needed No
- No phone number Not stated
Payment
- Accepts Monero Yes Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- Accepts Lightning Not stated
Access
- Tor onion address Not stated
- Works without JavaScript Not stated
Trust
- Never holds your funds No
- Own liquidity No
- Refund without ID Not stated
- Open source No
- Independent audit Not stated
- Company named Not stated
- 5+ years operating Yes Has operated continuously for five years or more.
Warnings
- May ask for ID Yes The terms reserve the right to demand identity documents, often after a risk flag.
- Screens deposits Yes Deposits are scored by blockchain analytics; a flag can freeze them.
- Passes orders to partners Yes Orders go to upstream exchanges that apply their own screening.
- Holds your funds Yes The operator controls user funds while they are on the platform.
- Email required Yes An email address is required to use the service.
- Phone number required Not in terms
- Closed source Yes The code is not public, so its behaviour cannot be checked.
- Nobody accountable Not in terms
Does Changelly require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 3: ID on risk flag. The terms allow funds to be held and identity demanded after an automated risk flag.
AML/KYC policy: when a transaction is "spotted by our risk scoring system as suspicious, the transaction will be put on hold" and identification information including a government-issued ID is collected.
How the grades add up
Both grades start at 50 points and move by fixed, published amounts. Nothing is adjusted by hand. The total is divided by ten.
Privacy
1.7- Starting points 50
- KYC level 3: ID on risk flag -14
- Accepts Monero +4
- Requires email -4
- Closed source -2
- Third-party liquidity -3
- AML screening -7
- May request ID -7
- Total, clamped to 0–100 17
Safety
4.4- Starting points 50
- 5+ years operating +10
- Closed source -3
- Third-party liquidity -6
- AML screening -3
- May request ID -4
- Total, clamped to 0–100 44
Test ledger
Real transactions run by our editors. A badge without a ledger is an assertion; this is the proof.
No test transactions published yet
The grades above rest on Changelly’s terms and documentation. Tests will appear here with the date, route, amount band and result as they are run.
Incidents on record
No incidents are on record for Changelly. If you have a documented case, report it.
User reviews
Reviews never change a grade. Reviews with a transaction reference are marked.
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Changelly: common questions
Does Changelly require KYC?
Changelly is rated KYC level 3 of 4 on this site: ID on risk flag. AML/KYC policy: when a transaction is "spotted by our risk scoring system as suspicious, the transaction will be put on hold" and identification information including a government-issued ID is collected.
Is Changelly safe to use?
Changelly has a Safety grade of 4.4 out of 10 and a Privacy grade of 1.7 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is Changelly legit?
Changelly is a working swap service that has operated since 2015. Being real is not the same as being safe: its Safety grade here is 4.4 out of 10, built from custody, liquidity, track record and incidents.
Is Changelly a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for Changelly. Its terms also allow it to hold a flagged deposit and ask for identity documents.
Do I need an account or email to use Changelly?
Email required.
What fees does Changelly charge?
0.25% of the output amount on floating-rate swaps (per terms); fixed-rate fee built into the quoted rate. Fees were recorded from Changelly's own pages and can change; check before you send.
Does Changelly have a Tor onion address?
No official onion address was found on Changelly's own pages.
Which cryptocurrencies does Changelly support?
Changelly supports BTC, ETH, XMR, LTC, SOL, XRP, TRX, USDT, and fiat payments in USD, EUR.
Is Changelly custodial?
Yes. Changelly holds funds during a trade, which means it is able to delay or freeze them.
Can I use Changelly over Tor?
Changelly does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.