FixedFloat

⚠ Grade demoted B- → C on 2026-08-04 — operator quietly moved legal entity from FFX Group Ltd (Republic of the Marshall Islands) to FFGX Group LLC (88 Avtomshenebeli Street, Kutaisi 4600, Georgia), effective in the ToS on 2026-08-02. No announcement on the site, blog, or X. Same brand (ff.io / FixedFloat), new corporate vehicle behind it. Same precedent + same treatment as BitcoinVN got on 2026-07-30 for its own quiet shell shift (Vietnam ltd → Panama shell): not necessarily red on its own, but an unexplained entity change earns a watching period.

Reader advice. Any dispute, refund claim, or held-funds incident opened against the pre-shift entity (FFX Group Ltd) has an unresolved question — the updated ToS does not spell out whether FFGX Group LLC inherits FFX Group Ltd's obligations. Put anything material about pre-shift interactions in writing to support before Aug 2026 so the paper trail names the pre-shift entity explicitly. Post-2026-08-02 swaps are covered by Georgian governing law (real jurisdiction, real MLATs) rather than Marshall Islands (offshore shell, no FATF cooperation). That's arguably a positive rule-of-law move; the demotion is not about the destination jurisdiction — it's about the operator making the shift without disclosure.

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*The rest of this review reflects FixedFloat's live posture; the operational specs, coin coverage, and peer-directory attribution below all remain accurate — the demotion is scoped to the unexplained entity-shift signal.*

Polished UX, good pair coverage, deep liquidity. Grade adjusted B → B- (2026-05-30) after cross-referencing peer-directory data + our own incident review.

AML-freeze posture. FixedFloat runs chain-analysis risk-scoring on inbound deposits. Inputs that hit AML thresholds (typical triggers: direct exposure to mixers, sanctioned entities, or laundering channels like SunSwap's Guarantee Merchant flows; indirect hops to DNM-adjacent addresses) are frozen on arrival. Recovery requires emailing `compliance@fixedfloat.com` with KYC documents. Refund-to-source is not offered. If you refuse to KYC, funds stay held indefinitely.

This is the B-grade outcome in our rubric, not the A-grade one. A-grade swap providers in our catalog (e.g. SageSwap, StealthEX) offer refund-to-source on the same AML flag without requiring KYC, or have explicit AML-tolerant modes. If you can't accept the KYC-dispute path, route through A-grade for sensitive inputs.

Frequency of freezes. Routed traffic via aggregators (e.g. Trocador) shows freeze rates under 0.05% by count and 0.025% by value. Walk-in direct users surface much higher freeze reports in peer directories (KYCnot user-weighted score 2.8/5, 37% one-star ratings citing frozen funds). The discrepancy is real — direct walk-in users skew higher-risk than aggregator-funneled traffic. Use this signal when choosing route.

For most no-KYC retail users with clean inputs, FixedFloat works as advertised — competitive rates, fast settlement, no friction. Use it with confidence on inputs you know are clean; route elsewhere on inputs you can't vouch for.