# The Change review: KYC policy, privacy and safety grades

> The Change is a swap service. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 2.6/10 for privacy (poor) and 4.5/10 for safety (caution). In its favour: no account needed, no email needed and company named. To watch: it may ask for ID, screens deposits and holds your funds while you use it. No incidents are on record.

Source: NoKYC Score, "The Change review", reviewed 22 Oct 2026, https://nokycscore.com/service/the-change

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 2.6/10, Safety 4.5/10
- **Sign-up:** Email optional
- **Custody:** custodial
- **Fees:** 0.40% for guests; 0.35% down to 0.20% for registered users by monthly volume
- **Limits:** Per-pair minimum and maximum shown on the order form (BTC pair showed about 0.00012 to 100 BTC when checked)
- **Jurisdiction:** Panama
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://thechange.inc

## What it is
The Change is an instant crypto exchange with swap, buy and sell tabs; the address thechange.ltd redirects to thechange.inc. Its rules name the operator as The Change Solutions Inc., registered in the Republic of Panama, and list prohibited jurisdictions that include the United States, Canada and the United Kingdom. Guests can exchange without an account. The AML policy says a transaction with a high risk score is placed on hold and the customer is prompted to create an account and validate it through basic KYC verification; the operator may also freeze a transaction and move the funds to cold storage for the duration of an investigation.

## What the terms say about ID
AML policy: "If a transaction receives a high score in our risk framework, it is placed on hold" and the customer must create an account and "validate it through basic KYC verification" for the transaction to be processed.

## Features and warnings
- **Identity:** ID never required: no; No account needed: yes; No email needed: yes; No phone number: not stated
- **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Own liquidity: not stated; Refund without ID: not stated; Open source: no; Independent audit: not stated; Company named: yes; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Screens deposits: yes; Passes orders to partners: not in terms; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: not in terms

## Questions
### Does The Change require KYC?
The Change is rated KYC level 3 of 4 on this site: ID on risk flag. AML policy: "If a transaction receives a high score in our risk framework, it is placed on hold" and the customer must create an account and "validate it through basic KYC verification" for the transaction to be processed.

### Is The Change safe to use?
The Change has a Safety grade of 4.5 out of 10 and a Privacy grade of 2.6 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is The Change legit?
The Change is a working swap service. It publishes the company that runs it, in Panama. Being real is not the same as being safe: its Safety grade here is 4.5 out of 10, built from custody, liquidity, track record and incidents.

### Is The Change 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 The Change. Its terms also allow it to hold a flagged deposit and ask for identity documents.

### Do I need an account or email to use The Change?
Email optional.

### What fees does The Change charge?
0.40% for guests; 0.35% down to 0.20% for registered users by monthly volume. Fees were recorded from The Change's own pages and can change; check before you send.

### What are The Change's limits?
Per-pair minimum and maximum shown on the order form (BTC pair showed about 0.00012 to 100 BTC when checked).

### Does The Change have a Tor onion address?
No official onion address was found on The Change's own pages.

### Which cryptocurrencies does The Change support?
The Change supports BTC, ETH, SOL, LTC, DOGE, XRP, TRX.

### Is The Change custodial?
Yes. The Change holds funds during a trade, which means it is able to delay or freeze them.

### Can I use The Change over Tor?
The Change does not publish an official onion address.

## Sources
- https://thechange.inc
- https://thechange.inc/rules
- https://thechange.inc/aml-policy
- https://thechange.inc/commissions
- https://thechange.inc/faq

How grades are calculated: https://nokycscore.com/methodology