A Full Guide Into the ChangeNOW Ecosystem

Published in

Coinmonks

8 min readApr 7, 2022

As the crypto market evolved and many new use cases emerged, ChangeNOW was following the demands of the community and releasing new products to meet them.

It all started with an exchange service when we realized there was the need for fast, secure, and anonymous crypto swaps. As the crypto adoption went on, we enabled a payment gateway for digital coins named NOWPayments. When developers started to build on the blockchain extensively, we introduced NOWNodes. Later, based on the years of experience in crypto, we created NOW Tracker for portfolio monitoring and NOW Wallet for handy mobile crypto storage.

There is a lot more to the NOW ecosystem. This article is a deep dive in our products describing all the possible ways we can be of service to you.

Crypto Exchange Service

Our code product — the crypto exchange service ChangeNOW, was created in 2017 and has soon become one of the top instant crypto swap platforms. ChangeNOW remains the backbone of our ecosystem to this day.

We offer fast, secure, and easy-to-use crypto swaps. Let’s break this down:

400+ cryptos are available for exchange together with 60+ fiat currencies. The list of assets includes the top coins in terms of market cap as well as newly released but popular tokens.
We offer anonymous crypto exchanges — there’s no signup nor need to leave any personal data. The swaps are secure as we don’t ask you for private keys and do not have control over your crypto.
The average swap time is 5 minutes. Sometimes the exchange rate may fluctuate during the swap — to secure yourself from the market volatility, you can enable the fixed rate instead of the standard (floating) one and enjoy 100% predictability.
Fees vary from 0.5% and 4%. There are no hidden charges — they are already included in the estimated rate. What you see is what you get.
The exchanges are limitless — you can swap as much as you want, starting with a minimum of $2 for most coins.

ChengeNOW Mobile Exchange

Our crypto exchange apps for Android and iOS are for those who use crypto on the go. Just as the web version, the Mobile Exchange allows swapping 400+ coins fast and anonymously without registration. Standard and fixed rates are available as well as fiat purchases. No hidden fees apply.

For your convenience, the app can store your payout addresses, but this is not necessary and we cannot access your data (it’s stored on the phone and you can delete it in the settings). You can manage the screen lock details for better privacy. In both mobile and desktop exchange versions of ChangeNOW, our support team is available 24/7 ready to handle any issue.

NOW Wallet

NOW Wallet is a non-custodial crypto wallet where you can enjoy secure crypto storage in a lightweight interface. Here’s what we offer:

Non-custodial storage: the keys are kept on the device, no team member has access to them. You are the only one to control your digital coins.
400+ coins are available including ERC20, BEP20 tokens, and NFTs. No registration or setup process is needed — simply install the wallet and start using it right away.
You can swap crypto or buy some more with fiat right in the app. No fees apply compared to our crypto exchange service.
For Ethereum transactions, we offer some advanced features like account nonces (a transaction counter that allows you to operate your Ethereum-based funds more flexibly).
Staking BNB and NOW BEP-2 is available; new staking opportunities are to be added soon.

NOWPayments

NOWPayments is a gateway that lets you integrate crypto payments in your online store or enable a crypto donation feature on your website or blogging platform. Here’s how it works:

Run through a quick signup, download the plugin for your trading platform or copy the code of a donation widget/button.
After you enable the plugin, your customers or followers will choose what currency they would like to pay (100+ assets available) and send the crypto to the address provided.
We convert the funds into the coin that you chose as a payout cryptocurrency and send it directly to your wallet.

NOWPayments offers instant payouts in 100+ currencies, the fees start from 0.5% and go down as your turnover increases. A personal account manager is available to help you resolve any issue 24/7.

NOW Token

Our native NOW Token is the first cryptocurrency issued by an instant crypto exchange service and the first one launched on Binance Chain. It allows you to operate in the NOW ecosystem: pay for asset listings and migration of your cryptocurrency between different chains, making airdrops, and more. You can also receive cashback in NOW Tokens for making your crypto swaps.

The token can be purchased on ChangeNOW. You can also buy the ERC-20 version on Uniswap or the BEP-2 one on Binance DEX. The latter is also stakeable with an up to 25% APR and weekly payouts.

NOW Tracker

If you keep your crypto on multiple platforms and want to follow your portfolio size, NOW Tracker is the perfect tool. If your assets are stored in non-custodial wallets, add the wallet addresses, and the data from public block explorers will be uploaded. If your funds are in a centralized exchange, you can enter the sums manually so that they are also counted. The data will be stored in your device, and you can erase it at any moment.

The app is available for Android and iOS. In NOW Tracker, you can add 10,000 crypto coins and 23 fiat currencies. The app shows the shares each asset takes in your portfolio and displays it in any fiat currency you choose (USD by default). AES-encrypted backup will help you restore the crypto portfolio if you change the device.

NOW Loans

NOW Loans is a transparent lending service allowing you to borrow money in crypto. Dozens of assets can serve as collateral, and the loan currencies as Tether, USDC, Bitcoin, Ethereum, Dogecoin, and DigiByte.

Here’s why crypto loans are simple:

You can borrow crypto without credit checks and any other paperwork. The only thing we ask for is collateral.
Our loan-to-value ratio (LTV) is 50%, meaning that your collateral has good protection against liquidation. With NOW Loans, you can also lend stablecoins at a fixed 10% APR — simply deposit the tokens and receive your passive income.
After you receive the loan, we will not bother you with monthly charges. You will only pay the interest at the end of the loan period. There are no hidden fees.
The load period is unlimited — repay it whenever you feel ready.
Your collateral is safe as we store it in a cold wallet with 24/7 monitoring. Private keys are renewed monthly, and the coins can only be accessed via VPN.

NOW Nodes

NOWNodes is a service that gives you access to blockchain nodes and block explorers through API. We offer:

40+ nodes and explorers within one pricing plan.
API response time less than 1 second and the uptime rate of 99.95%.
A large library of sample requests.

If you want to build on the blockchain or get the updates on transaction status from the explorer, you can start using NOWNodes today — leave your email on the main page and receive your API key. Start from up to 20,000 requests a day free of charge.

ChangeNOW Affiliate Program

ChangeNOW’s affiliate program allows you to monetize traffic on your platform or build a crypto service with our tools. The available solutions are as follows:

Instant Exchange API. Create a fully customizable crypto exchange with your design. The technical maintenance is our responsibility. You can set the fees at any level, and we will share the profits with you.
Monetization of traffic. If you have a blog or a news media with an audience familiar with crypto, you can help your followers by providing them with our exchange tools. With the API key or an affiliate link, we will see that exchanges were made by your followers.
Custody API. Enable a custodial solution for your business. Keep funds in cold storage and process payments, all in one platform.
Liquidity Provider API. Build a fiat on- or off-ramp with ChangeNOW. You can deal with one currency that you natively support or quickly add new ones.

ChangeNOW Blog

Our blog informs you on the updates in our ecosystem, news feed on the hottest topics in crypto, and offers educational pieces where we describe trends, coins, and other notable things in the market. Our goal is to make crypto more understandable, so we write in a manner clear to both experienced crypto users and newcomers.

Here are the categories not to miss out on:

News. Your feed for the most relevant events in the industry that everyone is discussing.
Market. Guides, market analysis, expert opinions, and more.
Academy. This is the place to widen your crypto outlook by learning about crypto concepts, tech, and coins.
Industry. The review of trends and new opportunities and the way to stay updated on global shifts in the crypto market. Here, our PR Head Mike Ermolaev and CBDO Pauline Shangett share their opinions on the matter.
Tech. Here, you will learn how to choose a wallet, how the fees are shaped, how the blockchain and crypto transactions work.
Coins. Analysis dedicated to specific digital assets. For example, the latest piece reviews the newly released Apecoin and the ways to buy it.
ChangeNOW. The news of our platform for those willing to stay updated on the latest cool features in the NOW ecosystem. Products, collaborations, and recent upgrades.
Coffee break. Real-life stories about blockchain, cryptocurrency, and the way digital assets change people’s lives.

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