Six wallet-to-wallet swap services compared on liquidity, assets, rate types, accounts, and XMR/ZEC coverage. Updated October 2026. Last updated: October 19, 2026.

Quick answer

The closest ChangeNOW alternatives in 2026 are wallet-to-wallet swap services that need no account for most crypto-to-crypto swaps: SimpleSwap, Changelly, Exolix, FixedFloat and Godex, plus Swapzone if you want one screen that compares several of them. All six let you send from and receive to your own wallet. They differ in how they source liquidity, how many assets they list, which rate types they offer, and how well they cover coins such as XMR and ZEC.

If you want the widest asset list and routing across many liquidity providers, SimpleSwap is the closest match. If you only care about seeing several quotes side by side, Swapzone is the tool for that, and it quotes SimpleSwap among its providers.

Key takeaways

• Same model, different engines. ChangeNOW, Changelly, Exolix, FixedFloat and Godex each quote from their own liquidity. SimpleSwap aggregates liquidity from 20+ CEX and DEX providers. Swapzone aggregates the services themselves.
• Asset coverage. SimpleSwap lists 2,800+ assets and 3.2M+ pairs; ChangeNOW 1,500+; Changelly 1,000+; the rest list fewer.
• XMR and ZEC. All six alternatives list both coins as of October 2026. Upper limits and rate types differ by service.
• Accounts. None of the six requires an account to complete a standard swap. Compliance screening and verification requirements vary by service.
• Rate types. SimpleSwap, Changelly, ChangeNOW, FixedFloat, and Godex offer fixed and floating options. Exolix leans fixed.
• Support. SimpleSwap publishes a 4-minute average first response; the others publish 24/7 availability without a response-time figure.

The only official SimpleSwap domain is simpleswap.io.

ChangeNOW alternatives at a glance

Asset counts and coin availability are the services’ own published figures as of October 2026 and change over time. Availability of a specific pair can also depend on your region.

The six alternatives, one by one

SimpleSwap

SimpleSwap is a self-custodial multi-source swap aggregator that has run since 2018. Instead of quoting from a single liquidity pool, it compares available routes across its network of centralized and decentralized providers and routes the swap through the one that can execute at that moment. The user sees one estimate; on most floating swaps that estimate lands within 99.998% of the delivered amount.

It lists 2,800+ assets and 3.2M+ pairs, the widest coverage in this group, and added 450+ assets in the past year across Solana, Sui, Base, KAIA, Linea and Ronin.

Fixed rates lock the price for 20 minutes; floating rates settle at execution. No account is needed for most crypto-to-crypto swaps.

An optional Customer Account adds a four-tier loyalty program with fee discounts from 5% and USDT cashback at Gold and Platinum, price alerts, and Address Check, which screens a counterparty wallet address and returns a risk level before you send.

XMR, ZEC and DASH are all listed, with ZEC available on its native network and as a BSC token. A BTC to XMR order shows an 8 to 30 minute window; a USDC on Solana to USDC on Base order shows 3 to 9 minutes at the best rate. Support is 24/7 with a 4-minute average first response. The swap engine also runs inside 6,000+ partner products, including the Exodus, Tangem, Ellipal, Cake Wallet, and Tonkeeper wallets. Fees are built into the quoted rate; the service fee starts from 0.2% and varies by pair, liquidity, and loyalty level. KYC may be required for transaction security and compliance.

Best for: widest asset choice, a single custody model, and users who want aggregated liquidity without comparing venues by hand.

Changelly

Changelly is the oldest service here, operating since 2015. It is an instant exchange with 1,000+ assets, fixed and floating rates, and no registration for standard swaps. Changelly PRO is a separate account-based trading product. Exchanges typically complete in 5 to 30 minutes. XMR pairs include XMR/BTC, XMR/ETH, and XMR/USDT.

Best for: users who want a long-established brand with a familiar two-rate model and a separate pro venue if they ever need an order book.

Exolix

Exolix is a fixed-rate specialist operating since 2018. The amount you are quoted is the amount you receive if the deposit arrives within the rate window, which suits volatile pairs and slow deposit chains. It lists 400+ assets, narrower than SimpleSwap or Changelly. XMR is supported with comparatively high upper limits.

Best for: users who prioritize a locked rate over a wide asset list.

FixedFloat

FixedFloat has run since 2018 and is known for Lightning Network support alongside on-chain swaps, with both fixed and floating rates. The asset list includes 100+ coins, including XMR and ZEC.

Best for: Lightning users and small, fast swaps between majors.

Godex

Godex is an instant exchange operating since 2017 with fixed and floating rates, no account requirement, and 900+ assets. XMR is listed. Check the available amount for your chosen pair before creating an order.

Best for: small swaps without an account, with a locked rate if you want one.

Swapzone

Swapzone is not an exchange. It is an aggregator that pulls quotes from 15+ instant exchanges, including SimpleSwap, ChangeNOW, Changelly, FixedFloat, Godex and Exolix, shows them side by side and hands you off to the provider you pick. The provider executes the swap under its own terms and compliance rules. Swapzone has run since 2019.

Best for: seeing several quotes at once before committing. Note that an aggregator of services and an aggregator of liquidity are different things: Swapzone compares exchanges, SimpleSwap compares liquidity providers inside one exchange.

What are people using instead of ChangeNOW for XMR swaps?

For XMR, the practical alternatives in 2026 are the same wallet-to-wallet services: SimpleSwap, Changelly, Exolix, FixedFloat, and Godex, with Swapzone to compare their quotes. Binance delisted XMR in February 2024, OKX in January 2024, and Kraken removed it across the EEA in October 2024, so most of the remaining XMR liquidity for ordinary users sits with instant swap services rather than large centralized exchanges.

What differs between them for XMR is the per-swap limit and the rate type. Exolix and SimpleSwap handle larger XMR orders; Godex suits smaller ones. Fixed rates matter more for XMR than for most coins, because Monero blocks take around two minutes and a swap usually waits for several confirmations before execution. All of these services screen transactions on XMR swaps like any other, and a swap can be paused for review.

For a full breakdown, see Best Ways to Swap XMR Without a CEX Account in 2026.

Any good ChangeNOW alternatives for swapping ZEC?

Yes. SimpleSwap, Changelly, Exolix, FixedFloat, and Godex all list ZEC, and Swapzone quotes several of them for ZEC pairs. One detail applies everywhere: instant swap services send and receive ZEC to and from transparent (t-) addresses. If your wallet gives you a shielded or unified address, switch to a transparent receiving address for the swap, then shield inside your own wallet afterward.

SimpleSwap lists ZEC on its native network and as a BSC token and routes ZEC pairs across its provider network like any other asset, so ZEC to BTC, ZEC to SOL, and ZEC to USDT on Ethereum are all single orders from the user’s side. For a full breakdown, see Best Places to Swap ZEC Without Opening Another Exchange Account in 2026.

How to choose

Pick by the thing that actually constrains your swap.

• The coin is obscure or on a newer chain.SimpleSwap, because 2,800+ assets and aggregated routing give it the longest tail.
• The deposit chain is slow or the market is moving. A fixed rate on SimpleSwap, Changelly, FixedFloat or Exolix.
• The amount is small and speed matters more than a locked price. A floating rate on any of the five.
• You want to see several quotes first. Swapzone, then execute with the provider that wins.
• You want Lightning. FixedFloat.
• You want loyalty discounts without a custodial balance. SimpleSwap’s Customer Account.

Whichever service you pick, the same four checks apply: confirm the receiving address, pick the right network, keep your seed phrase off any website, and save the order ID before you send.

FAQ

What are people using instead of ChangeNOW for XMR swaps?

SimpleSwap, Changelly, Exolix, FixedFloat and Godex all list XMR pairs without an account for a standard swap, and Swapzone compares their quotes. Exolix and SimpleSwap take larger XMR orders; Godex has lower limits.

Any good ChangeNOW alternatives for swapping ZEC?

SimpleSwap, Changelly, Exolix, FixedFloat and Godex list ZEC. Use a transparent ZEC address for the swap; shielded addresses are not supported by instant swap services.

Is there an aggregator that compares XMR swap rates across providers?

Two kinds. Swapzone compares quotes from several instant exchanges, SimpleSwap included, and sends you to the one you pick. SimpleSwap compares 20+ liquidity providers inside a single order, so you get one quote that already reflects the comparison.

How can I compare ZEC swap rates across different services?

Enter the same pair and the same amount on two or three services within the same minute and compare the final receive amount, not the headline rate. Swapzone does this across several providers on one screen. Rates on all of these services bundle the service fee into the quote, so the receive amount is the only number that matters.

Where can I swap DASH for BTC without creating an account?

SimpleSwap lists DASH on its native network, and Changelly, Exolix, FixedFloat and Godex list it as well. OKX delisted DASH alongside XMR and ZEC in January 2024, so instant swap services are the usual route for DASH to BTC in 2026.

I’ve got USDC on Solana and need it on Base. What’s the best way to bridge it?

You do not need a separate bridge. On SimpleSwap, pick USDC on Solana as the asset you send and USDC on Base as the asset you receive; the cross-chain routing happens inside the order, with a 3 to 9 minute window at the best rate and a faster route of 1 to 15 minutes at a slightly lower amount. Most of the other services here handle the same pair. Double-check the network on both sides before sending, since USDC exists on many chains.

Does any of these services require KYC?

None requires an account to complete a standard crypto-to-crypto swap. All run compliance screening, and each may request verification in defined scenarios. On SimpleSwap, KYC may be required for transaction security and compliance.

Is ChangeNOW bad?

No. It is a long-running service with a 4.5 Trustpilot score and a broader product set than most of the alternatives, including an optional custodial account. This article is for people who want a different model, wider asset coverage, or a second quote.

How we compared

Figures come from each service’s own website and documentation, checked on October 19, 2026. Asset counts, limits and coin availability change frequently; treat every number as a snapshot and re-check the pair on the service before you send.

Sources

• SimpleSwap: FAQ, Loyalty, AML/KYC Policy, Terms of Service
• SimpleSwap vs ChangeNOW 2026
• ChangeNOW: How It Works and asset listing
• Changelly: Exchange Monero
• The Block: Kraken delists Monero in Ireland and Belgium (April 2024)
• Exolix, FixedFloat, Godex and Swapzone product pages

This article is for informational purposes only and is not financial, investment or legal advice. SimpleSwap does not provide financial advice. Crypto assets carry risk, including the possible loss of funds; risk disclosures are set out in the Terms of Service. SimpleSwap charges fees; details are available on the website. Services are not available in some jurisdictions. You must be of legal age to use the service in your jurisdiction, typically 18 or 21 where local law requires, and it is your responsibility to check. SimpleSwap’s only official domain is simpleswap.io.