Comparison · facts checked October 19, 2026
Changelly alternative for swapping Monero (XMR)
Changelly is one of the oldest automated swap services, running since 2015, with XMR among its coins. Its terms describe an account with a verified email, a 0.25% fee on floating-rate swaps and a fixed rate you must send within 20 minutes for XMR. SilentXMR locks every swap to XMR at Kraken's last price minus 0.5% for 30 minutes, with no account. Here is how they compare.
The short version
- Changelly: automated swaps since 2015, XMR in both directions. 0.25% on floating-rate swaps; a fixed rate holds for 20 minutes for XMR (15 for most coins). Its terms describe an account with a verified email, and flagged swaps are held for ID checks.
- SilentXMR: Kraken's last price minus 0.5%, locked for 30 minutes from when you create the order, for every swap to and from XMR. No account and no email. Payouts are sent by hand.
- Pick Changelly for 1,000+ coins, card purchases through partners and automated payouts. Pick SilentXMR for a longer locked quote into XMR and no account or ID checks.
Order
Send exactly
on the network to:
- You get (quoted)
- Rate
- Quote valid
- Your address
- Payout transaction
- Created
- Send the exact amount above from your wallet.
- We check the deposit wallet, and once your deposit confirms we send the amount quoted above to your address, even if the price has moved since. The quote holds for deposits sent within 30 minutes; a deposit sent later gets the market rate when it is processed.
- This page updates by itself. Keep your order ID to check later on the Track order page.
Questions? Email service@silentxmr.com with your order ID.
What Changelly is
Changelly says it launched in April 2015 and lists more than 1,000 cryptocurrencies (its pages also say 900+ and 1,200+), with XMR in both directions. Its terms of use name Marella and its affiliates as the operator, and send disputes to arbitration under the laws of England and Wales. It says it does not store users' crypto: coins are sent straight to your wallet after the exchange. Card and bank purchases run through partners such as MoonPay, Switchere and Simplex.
Its terms say that to use all of its services you register a Changelly account with a verified email address, and its home page FAQ describes signing up before you exchange. Floating-rate swaps carry a 0.25% fee on the amount you receive; the rate is not guaranteed, and a floating-rate deposit address can't be used after 3 hours. A fixed rate is locked for 15 minutes, or 20 minutes for XMR, BTC, LTC and a few other coins, counted from when you confirm; a deposit sent later isn't guaranteed that rate. Its home page says a swap usually takes 10 to 40 minutes.
On ID checks, its AML/KYC policy says transactions flagged by its risk-scoring system are put on hold, and you are asked for your name, date of birth, address and a government ID, checked by Sum & Substance. The policy lists exchanges of privacy-focused coins among the signs of higher risk that can lead to enhanced checks, including where your funds came from. Its home page describes a basic level (usually a passport, up to 10,000 EUR per 48 hours) and an advanced level with a video call. Its terms also list restricted locations, including the United States, the United Kingdom, Germany, Austria, Japan, India and Turkey.
SilentXMR vs Changelly
Facts about Changelly come from its own website, documents and announcements, checked on October 19, 2026. "Not published" means we could not find it stated there.
| Feature | SilentXMR | Changelly |
|---|---|---|
| Type of service | A single swap service for Monero. Every swap starts or ends in XMR. | Automated swap service using rates from other exchanges. |
| Monero (XMR) | Yes, on every pair, in both directions. | Yes, to and from XMR, at a floating or fixed rate. |
| Coins and networks | BTC, ETH, LTC, SOL, USDT (ERC-20, TRC-20, SPL) and USDC (ERC-20, SPL), each to and from XMR. | Its pages say 900+, 1,000+ and 1,200+ cryptocurrencies. |
| Account | None. | Its terms describe a Changelly account with a verified email address. |
| ID checks (KYC) | No name, email address or ID requested. | Flagged transactions are held until you pass ID checks (name, date of birth, address, government ID). |
| Fees and pricing | Kraken's last price minus a 0.5% spread, shown before you send. You receive the quoted amount. | 0.25% of the amount received on floating-rate swaps; on a fixed rate the margin is built into the rate. Plus network fees. |
| Minimum and maximum | $50 worth. Above $50,000, contact support first. | Shown in the swap form; not published in its terms. |
| Rate | Locked for 30 minutes from when you create the order. Deposits sent in that time get the quoted amount, whatever the market does. | Fixed: 15 minutes, or 20 minutes for XMR, from when you confirm. Floating: not guaranteed; the deposit address expires after 3 hours. |
| Who holds the coins during the swap | You send to the deposit address on your order and we send the payout to your address. You trust SilentXMR between the two. | Says it does not store users' crypto on deposits or balances. |
| Fiat (bank, card, cash) | No. Crypto to crypto only. | Card and bank purchases through partners such as MoonPay, Switchere and Simplex. |
| How you receive the coins | Deposits are checked and payouts sent by hand after your deposit confirms. Follow it with your order ID. | Automated, usually 10 to 40 minutes per its home page. |
Ready to swap? Lock your XMR rate now.
- Kraken's live price minus 0.5%. You see exactly what you get before you send.
- Your rate is locked for 30 minutes from the moment you create the order. Send in time and the amount is yours.
- BTC, ETH, USDT, USDC, LTC or SOL in, XMR out to your address. Or the other way round.
When Changelly may suit you better
- You want more than 1,000 coins and automated payouts.
- You want to buy crypto with a card through a partner on the same site.
- You already have a Changelly account and are fine with its verification rules.
When SilentXMR may suit you better
- You want 30 minutes to send instead of 20, with the quoted amount held for any deposit sent in time, whatever the market does.
- You want no account and no email address: SilentXMR asks for no name, email address or ID.
- You want one published rate: Kraken's last price minus 0.5%, shown before you send.
Swapping to XMR on SilentXMR instead
Choose the coin you send, enter your Monero address and create the order. You see the amount of XMR you will get, based on Kraken's last price minus 0.5%, and it is locked for 30 minutes. Send the exact amount to the deposit address shown within that time.
Payouts are sent by hand once your deposit confirms, so a swap takes longer than an automated one. Keep your order ID to follow it.
Pick a coin and amount
The estimate updates from Kraken's live price as you type.
Add your receiving address
For XMR, paste the receive address from Feather, Cake or any Monero wallet.
Send and track
Send to the deposit address on your order. Your order page shows when we've received it and when your coins are on their way.
Swap pairs
Get Monero in your own wallet. No account, no ID.
- Kraken's live price minus 0.5%. You see exactly what you get before you send.
- Your rate is locked for 30 minutes from the moment you create the order. Send in time and the amount is yours.
- BTC, ETH, USDT, USDC, LTC or SOL in, XMR out to your address. Or the other way round.
Questions
Does Changelly support Monero?
Yes. Changelly lists XMR with swaps in both directions, and its terms give XMR a 20-minute fixed-rate window.
What fees does Changelly charge?
Its terms say 0.25% of the amount you receive on floating-rate swaps; on a fixed rate the margin is built into the rate shown. Network fees come on top. SilentXMR's spread is 0.5% on Kraken's last price.
How long is a Changelly fixed rate valid?
15 minutes for most coins and 20 minutes for XMR, BTC and LTC, counted from when you confirm the swap, per its terms. A deposit sent later isn't guaranteed the fixed rate.
Do I need an account on Changelly?
Its terms say you register a Changelly account with a verified email address to use all of its services, and its home page FAQ describes signing up before you exchange. SilentXMR has no accounts.
Does Changelly require KYC?
Not on every swap. Its AML/KYC policy says transactions flagged by its risk-scoring system are put on hold until you provide ID, and its home page describes basic and advanced verification levels.
Can I swap to XMR without an account?
Yes, on SilentXMR. It asks for no name, email address or ID, and the minimum is $50. Questions go to service@silentxmr.com.
Sources
The Changelly pages we checked on October 19, 2026. Services change their terms, so check the current version before you rely on a detail. How we check facts
- Changelly terms of use (last updated December 2024) changelly.com/terms-of-use
- Changelly AML/KYC policy (last updated February 2022) changelly.com/aml-kyc
- Changelly home page and FAQ changelly.com
- Changelly: about the company changelly.com/about
- Changelly: supported currencies changelly.com/supported-currencies
SilentXMR is not affiliated with Changelly. Its name is used only to identify the service being compared.