ChangeHero

What it is. Instant crypto swap service operating since 2017. 300+ assets across many chains including Monero. Crypto-to-crypto swaps don't require an account, an email, or KYC at signup — pick the pair, choose Float Rate (best market price) or Fixed Rate (locked for 15 minutes), provide your receive address, and send to a one-time deposit address. Fiat purchases are routed through licensed providers (Mercuryo, FinchPay) and are KYC'd by them, not by ChangeHero.

Fees. The homepage discloses up to 0.5% with Best Rate (Float) and up to 0.7% with Fixed Rate, both inclusive of the spread. That puts ChangeHero on the cheaper end of the swap-aggregator market.

Peer position — the disagreement that matters. kycnot.me lists ChangeHero at 5/10 and tags the service as a "KYC Level 3 Aggregator", with the explicit description: *"It may request KYC during risk checks."* That is the shotgun-KYC pattern — marketed as no-KYC, but the service reserves the right to ask for identity verification (often after the deposit lands) when its internal risk engine flags the trade. monerica.com lists ChangeHero too, going back to 2017. The operator's own pitch to xmr.club calls ChangeHero "non-custodial, no-KYC" — that framing is at tension with the published kycnot finding, and we are mirroring kycnot's framing in this listing because it is the one that changes the reader's behavior.

What this means for a reader. Most swaps complete without anyone asking for ID. The risk engine fires unpredictably — high amounts, certain source-chain combinations, certain destination addresses, certain IPs — and when it fires, you can be asked for documents after your funds are already at ChangeHero. Refusing means the swap can be held until refund. This is fundamentally different from a structurally non-custodial atomic-swap protocol, where the engine cannot pause your trade because the engine does not hold your funds.

Grade C — why C. Nine years of operation is real tenure; the fee disclosure is honest; the no-account flow works as advertised for typical-size swaps. But the kycnot Level-3 / shotgun-KYC tag is the kind of finding our [[review_is_public]] policy says belongs in the review — and we don't write reviews that contradict an independent peer-directory finding. Path to B: a public, dated change to the ChangeHero risk-check process such that kycnot retracts the Level-3 tag, or several months of operator-published statistics on how often the engine pauses swaps and what the documented thresholds are. Path to a recommendation flag of any kind: not without that retraction.