NoxSwapnoxswap.io

ChangeHerochangehero.io

NoxSwap vs ChangeHero: KYC, refund fees and EU access

ChangeHero has been swapping crypto since 2017 and picks a rate from a set of centralized and decentralized exchanges for each swap. Both services let you swap without an account, both offer a fixed rate and both list Monero. Where they part ways is what it costs to walk away from an identity check and who is allowed to use the service at all. Here is how they compare, checked against ChangeHero's own published terms.

Checked against ChangeHero's published terms on November 1, 2026.

Quick verdict

NoxSwap fits you if

You live in the EU or the US, which ChangeHero's terms exclude
You want to decline a check and get your deposit back minus only the network fee, not 10%
You use Tor or privacy coins, which ChangeHero's AML policy lists as risk signs

ChangeHero fits you if

You want a floating rate with a published fee
You want to buy or sell crypto with a card, which NoxSwap does not offer
You value a track record that goes back to 2017

Side by side

Feature	NoxSwap	ChangeHero
Account	Advantage: No account, e-mail optional	Advantage: No account
KYC on standard swaps	Advantage: None	Mixed: None by default; a flagged swap is held until you pass ID checks
If a swap is flagged and you decline checks	Advantage: Refund of the deposit, minus only the network fee; held only on suspicion of illegal activity	Drawback: Refund to the sending address minus the network fee and 10%, at least 100 USD
Fixed rate	Advantage: Every swap: one all-in amount, held for the deposit window (about 10 minutes)	Advantage: Yes; send within 10 minutes, and it may cancel if the rate moves over 2%
Floating rate	Drawback: Not offered	Advantage: Yes, its Best Rate
Fees	Advantage: Included in the quote: the amount shown is the amount you get	Note: Published: 0.7% on fixed, 0.5% on its floating Best Rate
Coins and networks	Note: 500+ coins and networks	Note: 250+ to 350+; its own pages differ
Monero (XMR)	Advantage: Yes, Zcash too	Advantage: Yes, Zcash too
Lightning	Drawback: No	Drawback: Not found
US, UK and EU users	Advantage: Served; blocked only in Russia, Belarus, Cuba, Iran, North Korea and Syria	Drawback: Excludes the EU, the US, Japan, Ontario, Bangladesh and Bolivia; the UK is not on its list
Tor mirror	Advantage: Yes, an official mirror	Drawback: None found; its AML policy lists Tor use as a risk sign
Track record	Mixed: Launched in October 2026	Advantage: Running since 2017

Account

NoxSwap: Advantage: No account, e-mail optional
ChangeHero: Advantage: No account

KYC on standard swaps

NoxSwap: Advantage: None
ChangeHero: Mixed: None by default; a flagged swap is held until you pass ID checks

If a swap is flagged and you decline checks

NoxSwap: Advantage: Refund of the deposit, minus only the network fee; held only on suspicion of illegal activity
ChangeHero: Drawback: Refund to the sending address minus the network fee and 10%, at least 100 USD

Fixed rate

NoxSwap: Advantage: Every swap: one all-in amount, held for the deposit window (about 10 minutes)
ChangeHero: Advantage: Yes; send within 10 minutes, and it may cancel if the rate moves over 2%

Floating rate

NoxSwap: Drawback: Not offered
ChangeHero: Advantage: Yes, its Best Rate

Fees

NoxSwap: Advantage: Included in the quote: the amount shown is the amount you get
ChangeHero: Note: Published: 0.7% on fixed, 0.5% on its floating Best Rate

Coins and networks

NoxSwap: Note: 500+ coins and networks
ChangeHero: Note: 250+ to 350+; its own pages differ

Monero (XMR)

NoxSwap: Advantage: Yes, Zcash too
ChangeHero: Advantage: Yes, Zcash too

Lightning

NoxSwap: Drawback: No
ChangeHero: Drawback: Not found

US, UK and EU users

NoxSwap: Advantage: Served; blocked only in Russia, Belarus, Cuba, Iran, North Korea and Syria
ChangeHero: Drawback: Excludes the EU, the US, Japan, Ontario, Bangladesh and Bolivia; the UK is not on its list

Tor mirror

NoxSwap: Advantage: Yes, an official mirror
ChangeHero: Drawback: None found; its AML policy lists Tor use as a risk sign

Track record

NoxSwap: Mixed: Launched in October 2026
ChangeHero: Advantage: Running since 2017

The differences that matter

Walking away from a check

This is the difference that matters most. ChangeHero's KYC is risk-based: a flagged swap is put on hold and you are asked for a government ID and a selfie holding it with the transaction ID. If you decline, the funds go back to the address they came from, minus the network fee and a 10% operational fee of at least 100 USD equivalent. On a 500 USD swap, that minimum is a fifth of the money.

On NoxSwap, standard swaps need no KYC. Large or flagged swaps can occasionally be picked for an extra AML check by the exchange that executes the swap. If you decline it, the deposit is refunded, minus only the network fee, usually within 24 hours. The one exception is a transaction suspected of links to illegal activity, which the executing exchange may hold until the case is resolved.

What you actually pay

ChangeHero publishes its fees: 0.7% on a fixed-rate swap and less on its floating Best Rate. That openness is a plus. A fixed-rate deposit has to arrive within 10 minutes of confirming the order, and its terms let it refuse the swap and refund you if the rate moves more than 2%.

On NoxSwap you see a single number: the amount that lands in your wallet, with the network fee and our service fee already inside it. The only fair test is the same pair and amount at the same moment, compared by what you would receive.

Where you can use them

ChangeHero's terms, updated in March 2026, exclude anyone established, resident or located in the European Union, plus the US and its territories, Japan, Ontario, Bangladesh, Bolivia and sanctioned countries. NoxSwap is blocked only in Russia, Belarus, Cuba, Iran, North Korea and Syria. Either way, check the rules where you live before you swap.

Privacy coins, Tor and track record

Both list Monero and Zcash. ChangeHero's AML policy, though, counts the use of Tor and of privacy coins among the signs of a suspicious or high-risk transaction, and applies standard due diligence to occasional transactions of 1,000 EUR or more. NoxSwap runs an official Tor mirror and works without JavaScript.

ChangeHero also sells crypto for cards through payment partners and has run since 2017, which counts for a lot. NoxSwap only swaps one coin for another and launched in October 2026.

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Questions

Is NoxSwap a good ChangeHero alternative?

Yes, especially if you live in the EU or the US, which ChangeHero's terms exclude, or want to be able to decline a check without losing 10%. For a floating rate or card purchases, ChangeHero is the better fit.

Does ChangeHero require KYC?

Not by default. Its policy is risk-based: a flagged transaction is put on hold and you are asked for ID and a selfie. Declining costs 10% of the funds, at least 100 USD equivalent, plus the network fee.

Can I use ChangeHero in the EU or the US?

No. Its terms exclude anyone established, resident or located in the EU, plus the US, Japan, Ontario and several other places. NoxSwap serves the EU and the US and is blocked only in Russia, Belarus, Cuba, Iran, North Korea and Syria.

Does ChangeHero support Monero?

Yes, it lists Monero and Zcash, though its AML policy counts privacy coins among the signs of a higher-risk transaction, which can mean more checks. NoxSwap sends and receives Monero natively.

Sources

Published by NoxSwap. We hold ourselves to the same rows and say where ChangeHero is the better choice. Terms change. Check the current version before you swap. Logos and trademarks belong to their owners and are shown only to identify each service.