ChangeNOW vs FixOrFloat

Securely exchange Bitcoin and 1400+ altcoins with great rates and lowest fees! Buy almost every crypto with a credit card or a bank transfer! This is the official ChangeNOW app, an instant crypto swap service. LIMITLESS NON-CUSTODIAL CRYPTO EXCHANGE ChangeNOW is an instant cryptocurrency exchange service that allows for simple, fast, and secure crypto swaps. We focus on simplicity and safety — the service is registration-free and non-custodial. To swap your crypto, you only have to set the pair, choose the amount, enter your wallet address, and send the funds to the address provided. Three minutes later and your transaction is on its way. 1400+ COINS AND TOKENS Swap between more than 1400 cryptocurrencies, including the most popular ones: Bitcoin (BTC), Ethereum (ETH), Monero (XMR), Ripple (XRP), Litecoin (LTC), Binance Coin (BNB), Cardano (ADA), Dogecoin (DOGE), Polkadot (DOT), Bitcoin Cash (BCH), ERC-20, BEP-2 tokens, and more. STABLECOINS: Tether (USDT), TrueUSD (TUSD), USD Coin (USDC), Binance USD (BUSD), Dai (DAI), Gemini Dollar (GUSD), etc. DE-FI TOKENS: Uniswap (UNI), Yearn.finance (YFI), SushiSwap (SUSHI), Pancakeswap (CAKE), Chainlink (LINK), Maker (MKR), Basic Attention Token (BAT), Bancor (BNT), etc. SWAP CRYPTO ANONYMOUSLY No registration is required to start exchanging crypto on ChangeNOW. We don’t collect any of your data to ensure it's 100% safe. For more security, use two-factor authentication, a 6-character pin, or authentication via face id or touch id. You can also set the screen lock time: immediately, 1 or 5 minutes, 1 or 5 hours. REST ASSURED – YOUR CRYPTO IS SAFE As a non-custodial crypto exchange platform, we don’t store your funds. This means we will never ask you to hold your funds in any accounts, or your private keys. With ChangeNOW, you remain in full control over your digital assets. IN A MATTER OF SECONDS It takes about 3 minutes to create an exchange, and another 5 to process it. The time span can vary from 2 to 40 minutes depending on the coin’s network congestion. BEST EXCHANGE RATES What's the current Bitcoin exchange rate? With ChangeNOW, you don’t have to worry that you’re missing a better one anywhere else. At the moment of the exchange, our algorithms search for the best Bitcoin rate and other cryptos’ rates at the market — and always pick the best ones. We do not charge any hidden or unreasonable fees. If the fees are more than 10% of the estimated value, we will warn you about it. NO LIMITS — SWAP AS MUCH CRYPTO AS YOU WANT Exchange limits are lame — this is why we’ve cut them off. On the ChangeNOW crypto exchange app, the minimum limits are about $2 depending on the coin, and the maximum ones simply don’t exist. Make a zillion Bitcoin exchange — it will go through just as quickly! CASHBACK FEATURE If you created an account, you will receive a 0.1% cashback for every transaction. Cashback can be withdrawn through the app & ChangeNOW website. The transaction history displays info on the accrual and withdrawal of your cashback balance. BUY CRYPTO WITH FIAT Want to purchase Bitcoin or other cryptocurrencies with USD, EUR, or a dozen other fiat currencies? Feel free to do so with Visa or MasterCard in just a few minutes! HELP US MAKE OUR CRYPTO EXCHANGE APP BETTER! If you have any questions or comments, please contact us: Support: support@changenow.io Website: https://changenow.io X / Twitter: https://x.com/ChangeNOW_io Telegram: https://t.me/changeNOW_chat The ChangeNOW Team

The Mortgage Decision Engine for Australian Investors. Stop guessing. FixOrFloat quantifies the opportunity cost of your Australian mortgage structure in seconds. Most calculators sell loans; this one optimizes them. KEY FEATURES: Offset Shield: Visualise the true cash value of your offset account vs. a fixed rate. Break Analysis: Instantly calculate if breaking your contract yields a net profit, factoring in estimated ERA costs. Loyalty Alert: Quantify the "Lazy Penalty" you pay compared to market-leading rates. Rate Modelling: Stress-test your position against future RBA rate shifts. PRIVACY FIRST 100% on-device processing. We never store your loan balance, rates, or offset details. DISCLAIMER: General calculation scenarios only. Not financial advice or an offer of credit. Consult a qualified broker before refinancing.