The Change
grade D
The Change Ltd is not just a cryptocurrency exchange; it’s a comprehensive platform for fast, secure, and convenient trading with unique features.
grade D
What the documents mean for you
The Change can freeze your transaction and move the funds to cold storage while it investigates. A high risk score forces you to register and pass KYC with a selfie and liveness check. It keeps personal data for five years and hands it to authorities.
The AML Policy states that an automated risk framework scores every transaction, and a high score puts the transaction on hold and forces the customer to register and pass basic KYC before it is processed. Identity documents, selfies, liveness checks and Source of Funds can be demanded at the service's sole discretion, and the service can repeat these requests at any time, which is shotgun KYC rather than routine registration KYC.
A high risk score from the automated AML system, a report from authorities, or activity the service judges suspicious at its sole discretion puts your transaction on hold. You can then be asked to create an account and hand over a photo of your ID or passport, a photo of your face, a live video check and Source of Funds documents. If you refuse or fail, the service can stop serving you and refund the deposit while charging you for its damages, and if it suspects illegal activity it can freeze the funds and move them to cold storage for as long as its investigation takes.
Warnings
You can exchange as a guest, but if the automated risk system scores your transaction high, you must create an account and pass KYC before the service will process it.
The AML Policy lets the service freeze a transaction and move the funds to a cold storage wallet for any period of time it considers necessary, and report the case to authorities.
Residents and citizens of the USA, UK, Canada, Japan, Singapore, Hong Kong, Spain, France, Germany, Malta, Lithuania, the Netherlands and sanctioned states may not use the service, and the list can change at any time without notice.
If you send an amount different from the exact figure shown on the order page, the funds may be lost completely; where manual processing or a refund is still possible, the service takes 5% of the order amount.
How the score was reached
Privacy49/100
Trust61/100
Overall = (privacy × 0.6 + trust × 0.4) / 10, rounded = 5/10, grade D. Each attribute above rests on a clause quoted below or was assigned by a moderator; the rest is what the listing knows.
Attributes16 moved the score
May require KYC/SOF by policy/lawprivacy -6 · trust -4
The service may require identity verification, KYC or Source of Funds information, by its own policy or by law, at any time.
The AML Policy lets the service demand identity verification and Source of Funds documents whenever a transaction passes its risk thresholds, and it can repeat the demand at any time.
“Depending on the specific circumstances, when the risk score of a transaction exceeds any of the predefined thresholds, our system puts the transaction on hold and any of the following actions may be triggered: KYC verification requirements, SOF (Source Of Funds) inquiries, manual case reviews”
Other, thechange.inc
Custodial walletprivacy -3 · trust -5
The service manages the private keys and keeps custody of funds, which requires trusting it.
The service holds user deposits in its own system and can move them to its cold storage wallet, so it controls the funds while it has them.
“Deposits credited to addresses not associated with an active order are considered unspecified and are stored in the system. If the transaction cannot be completed, the funds remain in the system, and the Service attempts to contact the user to return the funds.”
Other, thechange.inc
May suspend your accounttrust -4
The service reserves the right to suspend or limit access for violations or arrears.
The service can restrict or block accounts without telling you first.
“Users are prohibited from accessing and using the service from the listed jurisdictions. The service reserves the right to restrict or block user accounts from these jurisdictions without prior notice.”
Other, thechange.inc
Data sharingprivacy -3
Personal data may be shared with authorities or third-party providers for compliance.
The Privacy Policy allows sharing your information with law enforcement, officials and third-party partners.
“Such information may be shared with law enforcement, officials, or third parties:”
Privacy policy, thechange.inc
May freeze or seize fundstrust -3
Internal monitoring may freeze or seize funds flagged for suspicious activity, stolen or sanctioned sources.
The service reserves the right to freeze a transaction and move the funds to a cold storage wallet for as long as its investigation lasts.
“we reserve the right to freeze the transaction and/or transfer the frozen funds to a cold storage wallet for any period of time necessary to complete the investigation and our AML/KYC procedure, and/or report the case to authorities for further investigation.”
Other, thechange.inc
Transaction monitoringprivacy -1
Deposits are analysed for blacklisted or high-risk sources; flagged ones need verification.
Transactions are scored automatically and a high score puts them on hold pending verification.
“If a transaction receives a high score in our risk framework, it is placed on hold and an action request is triggered.”
Other, thechange.inc
Identity-free registrationprivacy +10
Users can create accounts without giving personal information such as a full name, address or phone number.
Refunds do not require KYCprivacy +5 · trust +5
The refund process does not require the completion of a Know Your Customer procedure or the disclosure of personal information.
Non-custodial walletprivacy +3 · trust +5
The user holds and manages the private keys; the service never has custody of the funds.
Peer to peer networkprivacy +2 · trust +5
A decentralised network in which individual computers connect directly rather than through the operator.
Escrow availabletrust +6
A trusted third party holds funds during a peer-to-peer transaction until both sides have delivered.
Accepts Moneroprivacy +5
This service accepts Monero, a privacy-focused cryptocurrency that provides enhanced anonymity.
Mature servicetrust +5
This service has been operational for 2 years. While this indicates stability, it is not a future-proof guarantee.
No registration neededprivacy +5
Users can access and use the service without creating an account.
Aggregator provides guaranteestrust +4
If you do not receive your funds or encounter any issues, the aggregator service may reimburse you up to a specified guarantee, subject to the aggregator's terms. This may not apply to all of the aggregator's partners.
Legally registeredtrust +2
Legally registered as The Change Solutions Inc in Panama.
What costs you most first. Tap one to read the clause it rests on, or what the listing knows, priced as kycnot.me prices it.
What the documents say
If the service suspects your transaction is linked to illegal activity, or that you skipped a past KYC request, it can freeze it and move the money to cold storage for as long as it needs.
“we reserve the right to freeze the transaction and/or transfer the frozen funds to a cold storage wallet for any period of time necessary to complete the investigation and our AML/KYC procedure, and/or report the case to authorities for further investigation.”
Other, thechange.inc
You must ask for a refund within 30 days of the order or the service is released from any duty to hold or return the money. If AML checks are running, the funds stay held until they finish.
“If the exchange cannot be completed, the user has the right to request a refund within 30 calendar days from the date of the order. After this period and in the absence of a request, the refund is considered impossible, and the Service is released from obligations to store and return such funds.”
Other, thechange.inc
If you fail or refuse the KYC check, the service stops serving you, does not process the transaction, refunds the deposit, and holds you liable for compensatory charges for any damages it claims.
“The Change reserves the right to refuse - stop providing its services to the client, the transaction will not be processed, and the deposited amount will be refunded, however, the client is liable to compensatory charges for any damages The Change may suffer in this regard.”
Other, thechange.inc
The service can ask you for fresh documents at any time, even if you already passed a check before, and it decides on its own when your activity looks suspicious.
“A user activity may be deemed suspicious through our AML System and/or at our sole discretion. We reserve the right to request up-to-date documents from any user, even if they have successfully passed an AML Procedure in the past.”
Other, thechange.inc
During verification the service collects ID documents, a photo of your face and biometric facial recognition data from liveness checks.
“The Change Solutions Inc. may collect data including but not limited to, identification documents information and photos, a photo of yourself, and biometric data, such as facial recognition data, during liveness checks, or other identity verification steps.”
Privacy policy, thechange.inc
Beyond legal orders, the service shares your data with third-party partners to investigate breaches of its terms, and passes documents to third-party verification providers who review them on its behalf.
“To, internally, or externally via our third-party partners, investigate violations of our Terms of Service or any other applicable policies and laws in order to ensure compliance with our legal obligations.”
Privacy policy, thechange.inc
Unsupported coins, tokens or protocols sent to a wallet not linked to an order cannot be returned, and the service decides case by case with no appeal.
“Unsupported coins, tokens, or protocols stored in wallets not linked to an order cannot be returned. Decisions regarding such funds are made by the Service on a case-by-case basis and are final.”
Other, thechange.inc
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