ChangeNOW is a non-custodial cryptocurrency exchange that was founded by Roman Lapin Dmitrievich and Petr Sergeev Konstantinovich in 2017. It is available both on the web and on Android.
ChangeNOW offers its services almost worldwide (and is available in 28 languages), and allows both crypto and fiat based purchases with credit and debit cards. It also does not require any KYC registration. Potential investors only need a cryptocurrency wallet to begin purchasing assets, which currently total at over 200. Citizens of countries subject to United Nations Security Council (UNSC) Sanctions Lists cannot use the exchange.
The exchange also runs a Lightning Network node, as well as allowing users to connect to nodes. The exchange claims minimal node management for users. The most notable feature is NOWpayments, a convenient and easily implementable API payment gateway that facilitates online payments. It currently supports over 30 cryptocurrencies.
Transaction fees for ChangeNOW vary from 0.5% to 4%. Both classic and fixed rates are offered. The former is simply the best available rate on the market, which can vary according to market and network conditions. The latter guarantees a rate, but the buyer pays an additional feel to guarantee the rate.
Fiat purchases include a 5% Simplex processing fee or a $10 minimum fee and a 1% ChangeNOW service fee in addition to blockchain transaction fees. There are no limits to purchases.