Crypto Exchange

When you set up a swap on AceChange.io, we search the best available rates from our partner instant exchanges, so you can choose the offer with the best price and conditions and trade directly with that exchange. You don’t need to open an account on any centralized exchange.

You send the selected amount to the deposit address provided by the partner exchange, they process the trade, and you receive your crypto directly to your wallet. It’s a fast and convenient way to swap coins without the risks and friction of classic centralized exchanges.

We continuously monitor rate reliability, transaction speed, and any maintenance or connectivity issues on our partners to keep your swaps running smoothly and to reduce the risk of abuse. If you ever run into a problem, you can reach out to us and we’ll do our best to help resolve it.

AceChange provides the software and interface that lets you compare exchanges and trade directly with them. We never have custody of your funds and we don’t receive or transfer coins between the parties.

AceChange.io is built from the ground up with privacy and user safety in mind. We only keep the minimum amount of logs required by some partner exchanges and we clearly show each partner’s log policy before you create a transaction. Any logs stored by AceChange are never sold or shared with third parties and are only provided individually when requested by law enforcement.

We use only the JavaScript that is strictly necessary to improve user experience (for example, dropdowns and form validation) – never to track or fingerprint users. In most cases our service is usable even with JavaScript blocked.

We redirect your order only to vetted, well-known instant exchanges that receive your deposit, process the trade, and send funds directly to your address. AceChange never has access to your coins at any point in the transaction.

Transactions started through AceChange.io may be protected by the AceChange Guarantee. If, for some reason, you don’t receive your funds and the partner exchange is unable to provide sufficient proof of unusually high AML risk or blocking by their liquidity provider’s AML system, AceChange can reimburse you up to the insured amount for that offer.

The insured amount depends on the partner exchange. You can see it by hovering over or clicking the shield icon next to each option on the offer list. Please note that offers from exchanges with the lowest rating are not covered. Orders blocked due to high AML risk or funds coming from mixers or clearly illegal activities are also not covered, as these are treated as very high-risk by most providers.

To request compensation, contact us via email or Telegram and provide your AceChange transaction ID. We’ll contact the partner exchange and try to resolve the issue. If the exchange cannot prove that the transaction was stopped because of a police request, legal order, or unusually high AML risk, we may reimburse you up to the insured amount defined when the trade was created. This process can take about a week or sometimes longer while we investigate with the exchange.

Please keep in mind:

• The Guarantee does NOT cover cases where funds are blocked for proven AML reasons – otherwise it could be abused for laundering illicit funds.
• The refund process can take a week or more, because we first try to resolve the case directly with the partner exchange.

Standard Mode is the typical way to convert one coin to another. You choose how much crypto you want to send and which coin you want to receive. We show you the best floating and fixed rates from all supported exchanges and you pick the one you prefer.

Payment Mode is designed for paying invoices and online services. Instead of selecting how much you send, you choose how much the recipient should receive and in which coin, and then select the coin you want to pay with. We show you the best fixed rates from partners that support this feature. This is useful, for example, if a service accepts BTC but not Monero – you can pay in XMR and let AceChange route the payment through BTC.

The Buy/Sell section lets you use fiat currencies to buy or sell crypto. It may offer fewer coins than simple swaps, but you can always use a popular coin (like BTC or USDT) as an intermediary between your fiat currency and your final target coin.

In the Fiat Gateway Aggregator you choose which crypto you want to buy or sell, which fiat currency you use, and the desired amount. AceChange.io then searches the best offers from supported fiat partners and you select the one you prefer to finish the process on their website.

Depending on the currency and country, partners may support many payment methods such as credit/debit cards, bank transfers, Google Pay, Apple Pay, UPI, IMPS, GCash, PayMaya, GrabPay and others.

To complete the purchase or sale you will need to visit the partner’s website, which typically requires JavaScript. Each provider has its own KYC/verification rules, so always check their Terms of Use. AceChange never has access to your funds and has no control over their KYC process – we only route you to your chosen provider.

Most swaps are completed within 5 to 60 minutes, depending mainly on:

• the coins you are sending and receiving,
• the current congestion on their blockchains,
• how many confirmations the partner exchange requires.

Coins with longer confirmation times will naturally take longer; coins with fast block times can be confirmed much quicker.

On the offer list, AceChange shows an estimated time (ETA) based on the recent history of each partner exchange. This helps you pick the option that best matches your expectations.

All fees are already included in the rate you see in the offer list. They usually consist of:

• blockchain network fees
• partner exchange fees

For larger transactions the effective rate can be better, because the fixed network fee is spread over a bigger amount. You never pay any extra fee for using AceChange instead of going directly to the exchange. We receive a commission from the exchange for referring traffic, which is taken out of their fee and does not worsen your rate.

Floating rates shown in the offer list are adjusted using each exchange’s recent trades to better predict the final amount. The amount shown on the status page reflects the actual rate finally applied by the exchange.

Each partner exchange has its own KYC/AML policy. Some may complete your swap without ID, while others may pause a transaction and request verification before proceeding. All partners perform AML checks on incoming funds.

We strongly warn users not to send funds with very high AML risk, funds linked to mixers, ransomware, or other illegal activities. These orders will typically be refused or blocked by partners.

To help you choose, AceChange provides a simple KYC/AML rating for each exchange. We base this on:

• their Terms of Use and Privacy Policy,
• how they handle refunds when users refuse verification,
• their historical behavior on AceChange.io.

Your chosen exchange may store transaction details (amounts, coins, and addresses). Some partners also require AceChange to store IP, User-Agent and language headers for compliance reasons. We show these log requirements next to each offer. Any logs kept by AceChange are never sold or shared, and are only disclosed individually when required by law.

Some instant exchanges support very small trades (e.g. around $10), while others have higher minimum amounts because network fees would otherwise eat up most of the swap. If you are just checking rates with a very tiny amount, you may see fewer options than for a realistic trade size.

In addition, direct pairs between two less popular coins can be hard to find. In these cases, using a more common coin (such as BTC, ETH, USDT or USDC) as an intermediary usually gives you more options and better liquidity.

A floating rate is an estimate. When the exchange receives and confirms your deposit, it checks current market conditions and applies the best available rate at that moment. If the difference from the original estimate is too large, some exchanges will ask whether you want to continue or cancel and get a refund. Floating rates are often better for normal swaps when you know how much you want to send and care about getting the best possible final amount.

A fixed rate is useful when you need the recipient to get an exact amount (for example, paying 0.1 XMR). The exchange “locks” the amount of the coin you send so that, if everything goes smoothly, the recipient gets exactly what was quoted. If the market moves too far or the network is congested for too long, the exchange may still cancel the trade and refund you.

Because of this, we generally recommend floating rates for most swaps, and fixed rates mainly for invoice payments. In both cases, always have your wallet ready and send your deposit quickly to avoid expiration.

It depends on the partner exchange. Some exchanges can process slightly different amounts and will complete the swap proportionally. Others expect the exact amount from the quote and may not detect or process different deposits correctly.

To avoid issues, always send the exact amount shown in the order details. On the transaction status page, AceChange shows whether the chosen exchange allows minor amount differences or requires a precise match.

Although rare, this can happen. First, check the transaction status page on AceChange.io – it shows all the details your partner exchange sees (deposit TXID, amounts, addresses, timestamps).

If you still haven’t received your funds or a clear explanation, contact our support team via Telegram or email (see the footer of our website) and include:

• your AceChange transaction ID,
• your deposit TXID,
• the coin pair and amount.

We will contact the exchange on your behalf and try to resolve the issue. If you prefer, you can also contact the exchange directly using the same information.