Non-custodial crypto exchange and processing platform ChangeNOW
Non-custodial crypto exchange and processing platform ChangeNOW

Non-custodial crypto exchange and processing platform ChangeNOW

By Crypto Advertising - 1 Jul 2022

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ChangeNOW is a non-custodial crypto crypto exchange and processing platform. Besides allowing trading between cryptocurrencies, it also allows purchasing them with a credit or debit card. In particular, it supports the major VISA and Mastercard circuits, thus facilitating fiat-to-crypto conversion. The platform accepts about  60 different fiat currencies.

The main features of ChangeNOW

One of the most important advantages lies in the fact that ChangeNOW boasts of being a non-custodial platform. This means that, like in DEXs, control of the funds is totally in the hands of the user. In addition, it provides an adequate level of privacy and does not require mandatory registration to the website. 

ChangeNOW supports more than 400 crypto assets, a user-friendly exchange rate policy, and transparency.  It charges no extra fees  in either the crypto-to-crypto swaps or fiat-2-crypto purchases

Moreover, it is backed by notable names in the crypto world. To mention a few, ChangeNOW has partnerships with Binance, Huobi, Trezor, Ledger and many others. 

Among the services offered by the platform, it boasts of a crypto swap carried out with an average time of 5 minutes. This has enabled it to reach 4 million customers so far.

It is also geared toward a multi-chain approach in the DeFi sector, insomuch that it provides access to the decentralized liquidity pools of Uniswap and PancakeSwap. These are two decentralized exchanges (DEX) developed on two different blockchains, Ethereum and Binance Smart Chain. 


NOW Token

NOW Token is the exchange’s native digital asset. It is possible to earn interest of up to 25% by staking it and essentially has a utility token function within the ecosystem.

NOW Token can be used in the following ways:

  • It can be exchanged for other cryptocurrencies
  • ChangeNOW products and services can be paid for with it
  • It can be staked on the platform or in the wallet to get up to 25% ROI
  • NOW tokens can be accumulated as cashback

NOW is available both on the Ethereum network, as ERC-20, and on Binance Chain, issued as standard BEP-2.

Burning activities are conducted on the token quarterly until the total supply reaches 100,000 units on both blockchains. This ensures a fairly strong deflationary nature to the token, in which steady increases in demand should be followed by proportional rises in the price of NOW. 

Instant lending

Last but not least, instant crypto lending definitely stands out among the many features. NOWLoans is a transparent and sustainable type of loan. There are no time limits on the transaction and as a result, it can be closed anytime at the user’s discretion. 

Accrued interest is not paid according to a coupon model, but is paid back at the end when the loan is paid off. In addition, the service asks for a constant Loan-to-Value (LTV) of 50%. This means that all loans are over-collateralized and a maximum of 50% of the value deposited as collateral can be borrowed.  

APR starts from a base of 10%, but also has a variable portion based on the creditworthiness of the applicant.

What is interesting is that it allows for two types of transactions that are better suited to a bull or bear market.

In essence, one for a bullish market allows a crypto to be used as collateral, while the other uses a stablecoin as collateral, thus limiting the likelihood of credit extinction due to a potential collapse of the deposited asset. 

*This article was paid for. The Cryptonomist did not write the article or test the platform.

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