changelly

No. Changelly does not serve users located in the United States, including all US territories — Puerto Rico, Guam, American Samoa, and the US Virgin Islands. This restriction is due to US regulatory requirements. Users who attempt to access Changelly from a US-based IP address are typically blocked. If you are based in the US and need to exchange crypto, Swapzone can show you which of its 18+ partner exchangers are available in your region before you commit to a swap.

Changelly is an instant crypto exchange, not a wallet. It does not store your funds or private keys at any point — you provide your own destination wallet address when initiating a swap, and the exchanged crypto is sent directly there. Changelly operates in non-custodial mode for crypto-to-crypto swaps, meaning it never holds a balance on your behalf. It is integrated as a swap layer inside a number of third-party wallets — including Ledger, Exodus, and Trezor — but the wallet itself is separate from the exchange service.

You select the coin you want to send and the coin you want to receive, then choose between a fixed rate (locked for the duration of the swap) or a floating rate (calculated at market price when your deposit confirms). You enter your destination wallet address, review the terms, and send funds to the one-time deposit address Changelly generates. Changelly processes the swap and sends the output coin to your wallet — typically within 5 to 40 minutes depending on the pair and network. No account is required for a basic crypto-to-crypto swap.

Changelly charges 0.25% for crypto-to-crypto swaps, which is built into the rate shown at quote time. Fiat purchases via card carry higher fees — starting at 3.95% — because they are processed through third-party payment providers including MoonPay and Simplex. Network fees are additional and vary by blockchain. When comparing Changelly's offer against other partners on Swapzone, the rate shown already includes the exchange fee, so the comparison is like-for-like.

Changelly does not serve US residents and is incorporated in St. Vincent and the Grenadines, so it is not a US broker subject to IRS Form 1099-DA reporting requirements. However, crypto swaps are generally taxable events in most jurisdictions regardless of which platform executes them — users are responsible for tracking and reporting their own transaction history under their local tax law. Third-party tools such as Coinpanda can import Changelly transaction history via CSV for tax calculation purposes. This content is for informational purposes only and does not constitute tax or legal advice — consult a qualified professional for your specific situation.

Beyond crypto-to-crypto exchanges, Changelly supports fiat-to-crypto purchases via card, Apple Pay, Google Pay, and bank transfer, processed through third-party payment providers. It also operates Changelly PRO — a separate centralised trading platform with spot, margin, and futures trading and leverage up to 1:100 — though PRO has a stricter list of supported countries than the basic swap service. The core swap product supports 500+ assets and is embedded as a white-label solution by 350+ API partners including hardware wallet manufacturers.

Before sending funds, verify three things: the correct network for the coin you are sending (sending on the wrong network can result in permanent loss), whether the pair requires a MEMO or destination tag (XRP, XLM, and similar coins do — omitting it can make the deposit unprocessable), and whether you are using a fixed or floating rate. With a floating rate, the final received amount is calculated at market price when your deposit confirms and can differ from the initial quote. On Swapzone, you can compare Changelly's live rate against other exchange partners side by side before deciding which offer to use.