Non-Custodial Crypto Swaps in Lumo Wallet, Powered by ChangeNow
Swapping crypto shouldn't mean surrendering your identity or your funds to a centralised exchange. ChangeNow, integrated directly into Lumo Wallet, brings 900+ trading pairs to your self-custody wallet with no registration, no KYC, and a choice between fixed and floating rates — so you swap on your terms.
What Is ChangeNow?
ChangeNow is a non-custodial crypto exchange that has processed billions in swap volume since its founding. It's built around three core principles: no account creation required, no funds held on-platform, and the widest possible trading pair coverage.
Unlike centralised exchanges, ChangeNow doesn't hold your assets in a wallet on their platform. Your funds move directly between blockchain addresses — your Lumo Wallet sends the source asset, and the destination asset arrives at your Lumo Wallet. ChangeNow facilitates the route; it never takes custody.
Fixed Rate vs. Floating Rate Swaps
ChangeNow offers two swap modes, both available inside Lumo Wallet:
Fixed Rate
The exchange rate is locked at the moment you confirm. You receive exactly the quoted amount — no surprises from market movement during processing. Ideal when you want certainty.
Floating Rate
You receive the market rate at the time of execution. The amount you receive may be slightly above or below the initial quote depending on market conditions. Often offers a marginally better rate in stable markets.
Lumo presents both options when you initiate a swap, letting you choose based on your priorities — certainty or potential rate advantage.
900+ Trading Pairs, No Registration
ChangeNow's pair coverage is one of the most extensive in the non-custodial swap space — 900+ pairs across hundreds of blockchain assets. In Lumo Wallet at launch, this means you can swap between any combination of BTC, ETH, TRX, and XRP, with broader pair coverage expanding as Lumo adds network support post-launch.
Critically, none of this requires creating an account. You don't give ChangeNow your email, name, or identity documents for standard swap sizes. You connect through your Lumo Wallet address, execute the swap, and move on.
How Swapping with ChangeNow Works in Lumo
- Tap "Swap" in Lumo Wallet and choose your source and destination assets.
- Lumo fetches live rates from both ChangeNow and Swaps.XYZ — select ChangeNow and choose fixed or floating rate.
- Review the quoted amount and estimated arrival time, then confirm.
- Your Lumo Wallet broadcasts the source asset — ChangeNow processes the swap and sends the destination asset directly back to your wallet.
Why Self-Custody + No-KYC Swaps Matter
The combination of Lumo's non-custodial wallet and ChangeNow's no-registration swap model creates something important: a complete crypto experience where you never hand control to anyone.
Your keys are on your device. Your swap executes on-chain. No centralised party holds your funds at any point in the journey. This is what genuinely decentralised financial ownership looks like.
Swap crypto your way — no registration required.
900+ pairs, fixed or floating rates, non-custodial. Join the Lumo Wallet waitlist to get access at launch.
Join the Waitlist →Frequently Asked Questions
What is ChangeNow?
ChangeNow is a non-custodial crypto exchange platform offering 900+ trading pairs with no registration, no KYC for standard amounts, and both fixed-rate and floating-rate swap options.
Do I need to create a ChangeNow account?
No. ChangeNow swaps inside Lumo Wallet require no account creation or identity verification for standard transaction sizes. You swap directly from your self-custody wallet.
What is the difference between fixed and floating rate swaps?
A fixed-rate swap locks in the exchange rate when you confirm — you receive exactly the quoted amount regardless of market movement. A floating-rate swap gives you the market rate at the time of execution, which may be slightly better or worse than the initial quote.
How many pairs does ChangeNow support in Lumo Wallet?
ChangeNow supports 900+ trading pairs. In Lumo Wallet, you can swap between all Lumo-supported assets (BTC, ETH, TRX, XRP) with broader coverage expanding post-launch.
Is ChangeNow safe?
ChangeNow is non-custodial — it does not hold your funds. Swaps execute on-chain between your wallet address and the destination, with no centralised intermediary holding assets during the process.
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