Crypto Currency Converter — live rates

How a live conversion rate is actually formed

The figure shown here is a mid-market rate — the midpoint between the best buy and sell prices across the venues our engine watches. It is the fairest reference number, but it is indicative, not a price you can transact at: real fills sit a little either side of the midpoint, and the rate moves second by second. Treat the result as an accurate snapshot for planning, not a promise of the exact amount that lands in your wallet.

The rate you see versus the rate you get

When you move from this calculator to a real swap, the amount you will receive is shown and locked in the widget before you confirm — and the service fee, from 0.5% on floating-rate swaps, is already folded into that rate rather than added afterwards. Nothing extra comes from us. Separately, the network fee (gas) is what the blockchain itself charges to record the transfer; that goes to the network’s miners or validators, never to AceChange, and you cannot opt out of it.

This is why the same value costs different amounts to move. Bitcoin and Ethereum settle on congested networks where block space is scarce, so their fees run higher and spike under load; chains such as Tron and Solana are built for cheap, high-throughput transfers and settle for a fraction of the cost. If a coin lives on more than one chain, the chain you choose directly changes what you pay to send it.

Fixed versus floating: which to choose

A floating rate tracks the market until your deposit confirms — lower fee, but the final amount can drift if the price moves in between. A fixed rate freezes the exact figures for a short window: a slightly higher fee in exchange for knowing precisely what arrives. As a rule of thumb, floating suits calm pairs and smaller amounts; fixed earns its small premium on volatile pairs, turbulent markets, or larger transfers where certainty matters.

The single mistake that loses funds — match the network

Read this one twice. Stablecoins like USDT and USDC, and several other assets, exist on multiple networks at once — for example TRC-20 (Tron), ERC-20 (Ethereum) and BEP-20 (BNB Chain). The ticker is identical, but each version rides a separate, incompatible rail. Send ERC-20 USDT to an address that only understands TRC-20 — or the reverse — and the funds are very likely unrecoverable; on-chain transfers are final and cannot be reversed. Before confirming, check that the network shown in the widget matches what your receiving wallet or exchange expects for that coin, and if you are unsure, send a small test amount first.

Reading the result well

Use the number to plan, not to lock in — the rate at the moment you confirm is the one that counts. Always think in two costs: the rate, with our fee already inside it, plus the separate network fee for your chosen chain. And whatever the amounts say, confirm the network before the address, every single time — that habit matters far more than shaving a fraction off the rate.

General educational information, not financial advice. Crypto is volatile, rates change continuously, and on-chain transfers cannot be reversed — verify the address and network yourself and do your own research.