Monivo vs Changelly
Changelly is one of the oldest non-custodial swap providers. Monivo is an aggregator that polls Changelly and every other major provider on every quote and routes the trade to whichever pays out the most. Here's how they compare when you pick one directly.
| Feature | Monivo | Changelly |
|---|---|---|
| Model | Non-custodial aggregator (routes to best of N) | Non-custodial swap provider |
| Fee model | Best-of-N provider quote, no added spread | ~0.25% fee + provider spread |
| Assets | 1,250+ | 500+ |
| Networks | 30+ | 25+ |
| KYC | Only for fiat on/off-ramp | Risk-based, can trigger mid-swap |
| Account required | No | Optional |
| Fixed-rate quotes | Yes | Yes |
| Fiat on-ramp | Yes (card, Apple Pay, SEPA) | Yes (via partners) |
| Order tracking / status page | Yes — public order status URL | Yes — via account or email |
| Uses Changelly liquidity | Yes — one of many providers | Yes (native) |
Verdict
For any given swap, using Monivo can only match or beat going direct to Changelly — because if Changelly is the best quote at that moment, Monivo routes to it. There's no Monivo spread on top, so 'Changelly via Monivo' is strictly ≥ 'Changelly direct' on payout.
Pick Monivo if…
- You want the best rate without checking multiple sites
- You care about no-account, non-custodial swaps
- You want a single interface for aggregator + fiat on-ramp
Pick Changelly if…
- You already have a Changelly account with reward history
- You want the specific Changelly PRO trading interface
FAQ
Is Monivo cheaper than Changelly?
Because Monivo routes each swap to whichever provider (Changelly, ChangeNOW, SimpleSwap, FixedFloat, and DEX routes) pays out the most at that moment, the aggregated quote is at worst tied with Changelly and usually better. There's no added Monivo spread on top.
Does Monivo use Changelly under the hood?
Yes — Changelly is one of the liquidity providers Monivo polls on every quote. When Changelly wins the auction for your pair, your trade routes through them; otherwise it goes to whichever provider is paying the most.
Do I need an account with Monivo like I do with Changelly?
No. Monivo is fully non-custodial and account-free for standard swaps. Changelly is also non-custodial but offers an optional account for order history and rewards.
What about KYC?
Both are risk-based. Monivo only KYCs on the fiat on-ramp side. Changelly can request KYC mid-swap on flagged transactions, which occasionally freezes funds until verification completes.
Try Monivo — no account required
See the actual best-of-N quote for your pair in one click.