Monivo vs ChangeNOW
ChangeNOW is one of the biggest single-provider non-custodial swap services. Monivo is an aggregator — it queries ChangeNOW and every other major provider on every quote and routes your trade to the best output. Here's a direct comparison.
| Feature | Monivo | ChangeNOW |
|---|---|---|
| Model | Non-custodial aggregator | Non-custodial single-provider swap |
| Fee model | Best-of-N quote, no added spread | Spread baked into quote (~0.5%) |
| Assets | 1,250+ | 900+ |
| Networks | 30+ | 70+ |
| KYC | Only for fiat on/off-ramp | Risk-based |
| Account required | No | No |
| Fixed vs floating rate | Both | Both |
| Fiat on-ramp | Yes (card, Apple Pay, SEPA) | Yes (via partners) |
| Uses ChangeNOW liquidity | Yes — one of many providers | Yes (native) |
Verdict
Monivo wins on rate for the top ~30 networks because it will use ChangeNOW when they win, and skip them when they don't. ChangeNOW wins on breadth of exotic network support. If your pair exists on Monivo, use Monivo; if it's an obscure chain we don't yet aggregate, ChangeNOW may be the fallback.
Pick Monivo if…
- You want automatic best-of-N routing without checking sites
- You want an aggregated fiat on-ramp in the same UI
- You care about transparent fee reporting (no hidden spread)
Pick ChangeNOW if…
- You need a very obscure network Monivo doesn't yet list
- You've already integrated the ChangeNOW API into your own tooling
FAQ
Is Monivo actually cheaper than ChangeNOW?
For any given pair, Monivo compares ChangeNOW's quote against every other connected provider and routes to the best. If ChangeNOW is the best that moment, your trade goes through them. If not, you get a better rate elsewhere — automatically.
Does ChangeNOW support more networks than Monivo?
Yes — ChangeNOW lists 70+ networks; Monivo lists 30+ across its aggregated providers. For niche or brand-new networks, ChangeNOW may have coverage Monivo doesn't. For the top 30 networks that carry the vast majority of volume, Monivo will match or beat their rate.
Is Monivo also no-KYC?
Yes for on-chain swaps. Both providers apply risk-based review for outliers. Neither requires an account for standard-sized trades.
Which is faster?
Settlement time is set by the source network's confirmations, not by the frontend. Both typically complete in 5–20 minutes.
Try Monivo — no account required
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