Changelly vs FixedFloat: 2026 Crypto Swap Comparison
Changelly and FixedFloat target different user bases. **Changelly** is a comprehensive broker supporting 1,200+ altcoins and card purchases. **FixedFloat** supports only ~100 popular assets but is highly optimized for speed, natively supports the **Bitcoin Lightning Network**, and uses a highly transparent fee structure (0.5% floating rate or 1.0% fixed rate + network gas). Both platforms use risk-based AML scanners that can trigger manual KYC verification.
1. Comparison Overview
Below is a comparison of their operational models, speeds, and fees:
| Feature | Changelly | FixedFloat |
|---|---|---|
| Supported Coins | 1,200+ | ~100 |
| Floating Fee | 0.25% + Network Gas | 0.5% + Network Gas |
| Fixed Fee | Rate spread built-in | 1.0% + Network Gas |
| Lightning Network | No (standard BTC only) | Yes (Native support) |
| KYC Policy | Selective (AML scoring) | Selective (AML scoring) |
| Fiat Purchases | Yes (Card/Bank) | No (Crypto-only) |
2. Fee and Spread Structures
FixedFloat and Changelly take different approaches to transaction pricing:
- Changelly: Charges a flat **0.25% fee** on floating swaps. This is highly cost-effective, particularly for larger transactions. For fixed-rate swaps, they do not disclose a fee percentage but apply a rate spread buffer.
- FixedFloat: Is completely transparent about both modes: - **Floating Rate:** 0.5% fee plus the network fee. The rate changes until your transaction is confirmed. - **Fixed Rate:** 1.0% fee plus the network fee. The rate is locked for 10 minutes at the time of execution.
While FixedFloat's base floating fee (0.5%) is higher than Changelly's (0.25%), their transparent 1.0% fixed-rate option is often cheaper than Changelly's fixed spreads, which can sometimes exceed 2%.
3. Asset Coverage
This is the most significant differentiator:
- **FixedFloat** only supports approximately 100 cryptocurrencies. They focus strictly on major, high-liquidity assets (BTC, ETH, LTC, SOL, Cardano, stablecoins). However, they natively support the **Bitcoin Lightning Network**, allowing you to swap into or out of BTC instantly with near-zero network fees. - **Changelly** supports over 1,200 assets, making it the clear choice if you are trading minor altcoins, ERC-20 tokens, or cross-chain DeFi assets not supported by FixedFloat.
4. KYC/AML Rules
Neither service requires you to register an account. However, both platforms utilize automated compliance checkers to scan deposits.
If you deposit coins that are associated with mixers, illicit activities, or high-risk smart contracts, both Changelly and FixedFloat will suspend the transaction. You must submit your ID and pass verification checks to release your funds.
5. Comparison Verdict
- **Choose Changelly if:** You want to trade minor altcoins, purchase crypto using a credit card, or benefit from a low 0.25% commission on large, floating-rate Altcoin trades.
- **Choose FixedFloat if:** You want to swap major coins at lightning speeds, use the Bitcoin Lightning Network to minimize transfer fees, or want a transparent 1.0% fixed-rate swap setup.
Execute Your Crypto Swap
Swap safely by using the official Changelly portal.
Open Changelly (Official Site)