Запитання й відповіді

Запитання й відповіді

About

ChangeNOW – це простий і швидкий обмінник. Тут не потрібно реєструватися та немає жодних лімітів на обмін. Ми візьмемо чесну комісію і швидко опрацюємо ваше замовлення.

Система ChangeNOW інтегрована у більш ніж 10 криптовалютних торгівельних платформ, включаючи Poloniex і Bittrex. Також ми працюємо з партнерами-обмінниками. Ми вибираємо і пропонуємо вам найкращий курс обміну.

ChangeNOW – це команда досвідчених blockchain-розробників. З платформою Changenow користувачі не змушені створювати акаунти або надавати особисту інформацію. Це дозволяє їм уникнути ідентифікації та фінансових крадіжок. Ми пропонуємо найкращі курси обміну, тому що працюємо з надійними торгівельними платформами.

Cryptocurrency Exchange Process

Опрацювання займає приблизно від п’яти до двадцяти хвилин, в залежності від того, коли блок з’являється у мережі. Більшість замовлень опрацьовуються всього за декілька хвилин. Якщо транзакція велика (більш ніж 1 BTC), опрацювання може зайняти трохи довший час, в залежності від її розміру та можливостей блоку.

Якщо ви бажаєте володіти криптовалютою, вам потрібно десь її зберігати. Різні гаманці створюються спеціально для різних операцій. Існують офіційні гаманці та різні додатки. Для кожної валюти у вас повинен бути окремий гаманець. Адреса гаманця – це унікальна комбінація із 26-35 цифр та літер. Зазвичай вона виглядає приблизно так: 17bkZPLB4Wn6F347PLZBR34ijhzQDUFZ4ZC.

З міркувань безпеки ми не просимо вказувати ваші особисті ключі, і ніхто не повинен цього робити.

For security reasons, we will never ask you for your private keys and nobody should.

Щоб купити криптовалюту, вам потрібно надіслати кошти на окремий гаманець. У кожної криптовалюти є свої гаманці. Адреса отримувача – це ваш гаманець, на котрий надсилаються кошти після обміну.

Кожна транзакція реєструється у ланцюжку блоків транзакцій (blockchain) і має власний унікальний код ідентифікації, котрий називають хеш (або TX). Цей унікальний код дає можливість перевірити дійсність транзакції в обліку blockchain.

Операції у blockchain не можуть бути скасовані. Коли кошти надіслані, ніхто не може скасувати транзакцію. Тому завжди уважно перевіряйте дані перед тим як надіслати кошти.

Обробка транзакцій займає час. Оскільки курси валют швидко міняються, швидкість обробки дуже важлива, однак остаточний курс обміну може виявитись як більшим, так і меншим за очікуваний. В будь-якому разі ми гарантуємо найкращий курс на самий момент операції обміну.

DDoS-атаки. На жаль, такі труднощі виникають час від часу, але ми завжди готові допомогти вам вирішити будь-які проблеми.

  • Оновлення валют. Ми можемо оновлювати систему і відключити деякі валюти. Як тільки ми знову їх включимо, ви отримаєте ваші кошти.
  • Blockchain перевантажений. Надто багато транзакцій чекають на включення у ланцюжок, і ваша теж може чекати на свою чергу. Інколи потрібно зачекати трохи довше.
  • The blockchain is overloaded. Too many transactions are waiting to be included into the blockchain, and yours may wait for its turn, too. Sometimes you might have to wait a little longer.

На ChangeNow немає лімітів на обмін криптовалют. Однак, здійснюючи транзакцію, blockchain сам знімає комісію. Сума, котру ви надсилаєте, має бути достатньою для того, щоб покрити усі комісії, що знімає blockchain.

A classic rate cryptocurrency exchange is an exchange performed at the current most profitable rate on the market. An expected rate is the current exchange rate you will get. However, the cryptocurrency market is highly volatile and you should account for that.

During the classic rate exchange, each transaction may have its own unique exchange rate because of price fluctuations, market conditions, and network fees. The rate might change at any moment; as a result, you might receive more or less than you thought you would.

The expected rate is the rate at this exact moment. You must understand that it takes some time to send the deposit and confirm the transaction so, with the market volatility, you might get a bit less or more than you thought you would.

A fixed rate crypto exchange is an exchange performed at the same rate which is displayed to the client at the beginning of an exchange, regardless of subsequent rate fluctuations.

In some cases, fixed-rate exchanges have lower rate but the opposite is also possible.

During the сlassic flow, each transaction may have its own unique exchange rate because of rate fluctuations, market conditions, and network fees. The rate might change at any moment; as a result, you might receive more or less than you thought you would.

Implementing fixed rate exchanges leads us to lay down a small reserve to guarantee your safety from exchange rate fluctuations. It's included into the rate you will see at the beginning of the exchange, no other fees included.

Because of the rate risks we take, the fixed rate may differ from the сlassic flow's rate. However, it gives our customers confidence in the amount they will receive.

You create an exchange and make a deposit. You have 20 minutes to deposit your exchange funds; during that time, we guarantee that the rate won't change in any way. You will receive the exact amount that was displayed to you.

You may choose the fixed rate flow if you would like to be certain that the amount of crypto you'll receive will stay the same, no matter what. With fixed rate exchanges, our users enjoy the stability of their conversions and are safe from sudden rate drops.

In some cases, fixed-rate exchanges have lower rate but the opposite is also possible.

It means exactly that — exchanges of certain trading pairs are carried through our partners. These exchanges aren't much different from regular ChangeNOW swaps, however, there are a few things you might want to keep in mind:

  • In these cases we don't carry out any KYC checks on our side. However, they might be carried out by our partners;
  • Please be aware that other services that we are partnered with might have KYC policies that are different from ours;
  • However, us carrying out exchanges through third party services does not mean we forfeit our responsibility for the exchange. If you run into any issues during the swap, just let our support team know and we'll help you out in the shortest time possible.

In order to be able to use ChangeNOW, customers don't need to create any sort of accounts.

However, there are some exceptions.

ChangeNOW uses an automated risk management system to check all transactions. Each case will be considered individually. According to European AML directives, KYC regulations, and platform requirements, we will ask you to provide a scan of your ID document valid in your country, as well as some additional information on the funds’ origin.

During the Bitcoin Cash hard fork the protocol changes have been insignificant and a lot of users haven't split their balances yet. There's a risk that your deposit might be sent to us in both BCH and BSV networks simultaneously. Please make sure your Bitcoin Cash balances are split before making a deposit on ChangeNOW.

If a user makes a deposit from an unsplit BCH/BSV wallet address the refund is provided in 24 hours after the support ticket has been created.

Buy Crypto With Fiat

Yes, you can buy cryptocurrency with a USD/EUR card. This feature is brought to you by our third-party partner service, Simplex.

This feature is brought to you by our partner, Simplex. Simplex chargers 5% for each purchase (at least $10). ChangeNOW charges 1% for such purchases. The network fees are applied as usual depending on the currency.

It is a requirement of our crypto purchase provider, Simplex. The amount is chosen based on the network fees and some extra expenses that they cover for you.

Yes, there are some. The purchase must be up to $20000; the daily purchase limit is $20000 and the monthly purchase limit is $50000 per person.

Our crypto purchase solution works in a way that at first, you are buying BTC that is later exchanged for the selected currency. Bitcoin’s (and other networks’) fees might be high in comparison to the amount you are willing to purchase.

This is the solution that we’ve come up with to provide our customers with a wider range of the coins that you can buy with a bank card — as our provider Simplex supports fewer currencies for direct purchase. We are disclosing this, so you have a better understanding of what fees are charged during the transaction.

Your card must comply with the requirements of our purchase provider, Simplex: the card must be issued by VISA or MasterCard. It may be a pre-paid (make sure to check if your pre-paid card is eligible for crypto-related purchases). Wire transfers, American Express and Discover cards are not accepted.

Yes, you can. There are several requirements from our fiat purchase provider, Simplex: your pre-paid card must be eligible for international transactions; it must be enrolled to the 3DSecure program; your pre-paid card issuer must allow cryptocurrency-related transactions.

KYC/AML

The crypto market is subject to a number of certain rules and regulations which make it mandatory for most crypto services to have the AML/KYC procedure implemented.

ChangeNOW strives to protect our clients from any type of scams and fraudulent activities in the crypto world and complies to all rules and regulations present at the moment, and one of the ways that enables us to do so is the KYC/AML procedure.

This procedure confirms the absolute legality of the transaction carried out by you before the regulatory institutions. Thus, you confirm that you are a law-abiding citizen and the state has no reason to address any claims towards you.

ChangeNOW’s AML/KYC procedure is supported by an automated risk prevention system. If a transaction is marked suspicious by this system, the exchange is put on hold and the customer in question is then asked to confirm their identity.

There is a certain set of criteria that the system employs; however, they can’t be made public, otherwise there will be people who will try to abuse those criteria in order to cheat the algorithm.

This system has proven to be very useful against money launderers and scammers, since the KYC process allows us to tell an honest customer apart from a scammer very quickly and without any trouble.

Each KYC case is handled individually. If a certain client is eligible for the procedure since their transaction had been marked as suspicious, they are informed of that with a pop-up notification after the exchange has been submitted, in which they will be asked to turn to the support team. We will apply a set of сlassic procedures to our KYC clients, among which are asking a client to submit the following:

  • A high-quality photo of any identification document valid in their country or internationally;
  • A source of deposited funds (a screenshot or a file, but not links);
  • A selfie of the client holding their ID document and a print-out of the note which will be provided by the support team.

After ChangeNOW has received the following materials, the exchange is completed, and the exchanged funds are then sent to the specified recipient wallet address.

We do everything in our power to maintain our reputation as a legitimate, law-abiding exchange service that can be safe for use by anyone, be it a regular person who doesn’t deal with crypto much or an experienced trader or miner; therefore, ChangeNOW reserves the right to apply the KYC/AML procedure to certain clients, wallet addresses and select assets.

ChangeNOW doesn’t support any money-laundering or other illegal activities; therefore, the service doesn’t enter any business agreements with individuals or business entities involved or suspected in such activities.

In case a client doesn’t wish to disclose their identity for certain reasons and refuses to provide the documents, the KYC/AML procedure is considered failed and the deposited funds are then refunded to the address (or addresses) the deposit was made from, subtracting the network fees, within 24 hours. Then, ChangeNOW reserves the right to blacklist this address (or addresses), thus rendering it (or them) non-eligible for making deposits on the service.

In case a client submits a false set of documents, the KYC/AML procedure is considered failed and the deposited funds are then refunded to the address (or addresses) the deposit was made from, subtracting the network fees, within 24 hours. Then, ChangeNOW reserves the right to blacklist this address (or addresses), thus rendering it (or them) non-eligible for making deposits on the service.

Please bear in mind that ChangeNOW reserves the right to submit all the received materials to legal authorities (Interpol, Europol, and others) in case a corresponding request is received. You can read the official ChangeNOW's Rules of Anti-Money Laundering and Combating The Financing Terrorism compliance control here.

In order to purchase crypto with USD or EUR, you will need to enter your email address. It is a necessary step for user identification required by our third-party partner, Simplex.

To comply with Simplex's identification procedure, we recommend to use the same email address together with a debit/credit card’s information for each transaction.

All the documents that you might provide during ChangeNOW's KYC/AML procedures are encrypted and stored in specialized secure storage as long as required by law. We guarantee that they won't be sold to or shared with any kind of third party, excluding potential law enforcement requests.

For Partners

Yes, you can join our affiliate program and make 0.4% of the funds attracted by you. Here is the detailed instruction.

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