I Tried AlwaysMoney for “Instant” Crypto Swaps — What Surprised Me, What Didn’t, and Where I’d Be Careful

I was looking for a quick swap tool that avoids hidden fees and unnecessary delays. AlwaysMoney advertises “Unlimited Crypto Exchanges at the Best Rate,” low fees, instant processing, and 24/7 support.

While promising on paper, the practical experience is a mixed bag: it offers sharp execution for basic swaps and strong coin coverage, but also includes rules that can be problematic if not understood.

The objective of this review is to identify what works, what poses risks, and what to verify before initiating any transaction. Readers will gain a clear understanding and be directed to specific pages for verification. ^[1]

Quick Fact Table

What is AlwaysMoney.org

AlwaysMoney positions itself as a modern, fast crypto exchange featuring floating and fixed-rate swaps, a clean interface, and readily available support.

According to its About page, the service was “created in 2024” by a professional team, targeting both novice and experienced users.

The Russian version of the site presents the same claims and displays recent exchange snippets involving UAH, indicating a significant focus on that region. The core promise is speed, simplicity, and security. ^{[2], [3], [4]}

How a Swap Actually Works

The swap process is straightforward: select a trading pair and network, choose between floating or fixed rates, and paste a receive address (the site validates network compatibility).

After accepting the terms, fund the deposit address. A floating rate means the final amount may change after confirmation, while a fixed rate locks the output once the deposit is received and confirmed.

The site outlines four steps: send deposit, await blockchain confirmation, exchange by AlwaysMoney, and finally, transfer to your address.

This process is clear, concise, and efficient. ^[5]

Network confirmations are crucial. For instance:

• Bitcoin (BTC) requires 2 confirmations,
• Litecoin (LTC)/Bitcoin Cash (BCH) 6,
• Monero (XMR)/Dash (DASH) 10,
• Dogecoin (DOGE) 15,
• Tron (TRX)/USDT-TRC20 20,
• Ethereum (ETH)/ERC20 32,
• BEP20 40,
• Cosmos (ATOM) 70,
• Ethereum Classic (ETC) 300, and
• Solana (SOL)/USDC-SOL/USDT-SOL/USDT-Polygon 500.

This implies that during peak periods, an “instant” swap can extend significantly, with the site acknowledging that confirmations might take hours or longer when networks are congested.

This is a common characteristic of cryptocurrency transactions, not unique to AlwaysMoney, but it is a factor to consider for your timeline. ^[6]

Coin Support and Networks

AlwaysMoney offers broad coverage, including Bitcoin (BTC), Ethereum (ETH), and numerous ERC-20 tokens.

USDT is supported across multiple networks: TRC20, ERC20, BSC, Arbitrum, Optimism, Avalanche C-Chain, and Omni.

Other supported cryptocurrencies include SOL, XMR, LTC, XRP, and XLM.

A critical rule to note is that AlwaysMoney does not support sending or receiving funds via smart contracts; any such transaction is stated to be irretrievable.

Additionally, users must remember to include the memo/tag for XLM and XRP when required. Failure to do so can lead to significant consequences. ^[7]

Pricing: The Good, The Unclear, and the Stinging Fee

While the site promotes “low fees,” it does not provide a public fee table, suggesting that spreads are the primary revenue source.

Their Terms state, “Any profit generated during the exchange process remains with the Service Provider as an additional benefit and commission reward,” which confirms a spread-based pricing model.

A notable concern is the manual processing fee: if a user error necessitates manual intervention, refunds are issued minus network costs and an additional 5% manual fee.

This can be a substantial charge. Users who prioritize precise cost transparency may find this lack of clarity frustrating. ^{[8], [9]}

Strict AML/KYC (Read This Twice)

AlwaysMoney enforces stringent Anti-Money Laundering (AML) and Know Your Customer (KYC) policies.

Their AML policy prohibits anonymous access (e.g., via VPN, proxy, Tor), requires that the payer and recipient be the same individual, and reserves the right to request extensive verification.

This may include ID photos, selfies with ID, proof of employment, source-of-funds documentation, and even videos demonstrating the passport, application ID, and on-chain transaction details.

They also screen for risk categories and conduct OFAC blacklist checks. Funds can be held during reviews for 7 business days, up to 30 days in special cases, and indefinitely if law enforcement becomes involved.

This strict approach helps combat illicit financial flows but can inadvertently impact legitimate users who trigger alerts. For those averse to compliance friction, these requirements may seem burdensome. ^[10]

Is this normal? Many swap services conduct AML checks. However, the video requirement is more rigorous than average, and the no-VPN rule is uncompromising. Your comfort with these measures will depend on your personal tolerance for such friction. ^[11]

The Cash-Out Quirk: USDT TRC20 to USD

AlwaysMoney advertises a service for converting USDT TRC20 to cash USD. The exchange rate is locked only after receiving the coins, passing AML checks, and confirming the transaction.

They caution about a 1–5% fluctuation before the rate lock. Cash delivery is facilitated via courier or a cash desk, with delivery times ranging from a few hours to 72 hours, depending on the city and workload.

An unusual requirement is that users must send photos of the packaging and cash within 24 hours of receiving funds; claims made after this window will not be accepted. The default currency provided is “old-style USD bills,” with new bills available upon request.

Users are also advised to confirm reserves and cash availability with support prior to initiating such transactions.

This process deviates from typical retail exchange flows, functioning more as a logistics pipeline with specific rules. If you choose this option, meticulous documentation of every step is highly recommended. ^[12]

API and Affiliate Angles

AlwaysMoney provides a partner API accessible via POST requests to /api/userapi/v1, requiring header authentication (API-LOGIN, API-KEY), with optional language specification and IP whitelisting.

The API methods cover directions, quotes, exchange creation/cancellation/payment, bid information, and partner statistics/payouts.

No rate limits are explicitly listed. This API is useful for integrators and bot developers, but it is advisable to inquire about uptime and throttling details before integrating it into any critical system. ^[13]

An “accumulating discount” system is available for registered users, offering small initial discounts that increase with cumulative transaction volume.

A separate referral program rewards affiliates with 1% to 30% of the platform’s income from referred transactions, subject to a $10 minimum payout and strict traffic rules (e.g., no spam, no closed pages, no sites violating laws in Kazakhstan or Russia).

Violation of these rules can result in account blockage without payment. The terms are clear but unforgiving. ^[14]

Legal Footing, Domain History, and Footprint

This section raised concerns for me. The site does not disclose a legal entity name, registration number, or licensing jurisdiction on its core legal pages.

While the Terms mention legality depending on the user’s and service’s countries and instruct users to submit claims via email, no company name is provided.

The Privacy Policy identifies an “Administration” as the data controller and directs contact through a feedback form. This lack of transparency regarding accountability is significant. ^{[15], [16]}

WHOIS data indicates the domain was created on December 12, 2024, with privacy protection provided by Withheld for Privacy ehf (Iceland).

However, SSL history on crt.sh reveals certificates for this domain dating back to March 6, 2020.

This suggests prior use or ownership before the late-2024 registration. While not definitive proof of wrongdoing – domains frequently change hands – it is a point worth noting for brand continuity and reputation assessment. ^{[17], [18]}

Furthermore, there is a distinct Eastern European influence evident in the site’s backend. The robots.txt file and a Premiumbox sitemap reference WordPress paths and list numerous endpoints for UAH rails (e.g., card UAH, Privat24 UAH, MonoBank UAH).

This indicates a strong focus on payment corridors within that region. While beneficial for users in those areas, it also provides valuable context regarding where liquidity is concentrated. ^{[19], [20]}

Apart from that, keep in mind that you can also exchange your USDT to:

• Wise USD,
• Payoneer USD,
• Visa/MasterCard USD,
• Visa/MasterCard GBP,
• Visa/MasterCard EUR,
• Visa/MasterCard KZT,
• Visa/MasterCard AMD,
• Visa/MasterCard AZN,
• Visa/MasterCard GEL,
• Visa/MasterCard IDR,
• Visa/MasterCard INR,
• Visa/MasterCard KGS,
• Visa/MasterCard MDL,
• Visa/MasterCard PLN,
• Visa/MasterCard RON,
• Visa/MasterCard TJS,
• Visa/MasterCard TRY,
• SEPA instant EUR,
• Cash USD,
• Cash EUR.

Reputation Breadcrumbs

The site links to a Trustpilot profile for alwaysmoney.org, which contains multiple entries dated June–July 2025.

Although the snippet did not display an overall star rating, the profile is active, confirming a platform for public feedback. It is always prudent to verify the recency and content mix of such reviews. ^{[21], [22]}

AlwaysMoney also has a listing on Cryptwerk, featuring a description consistent with the site’s own language, a single user review from July 18, 2025, and promotional references. While minimal, its presence offers another data point for potential users. ^[23]

Pros and Cons (No Fluff)

“So… Would I Use It?”

“Is this worth it for quick swaps?” For basic swaps on supported networks, yes – but with full awareness of spreads and confirmation times.

The floating vs. fixed rate option is useful. Just avoid sending via smart contracts and double-check memos for XLM/XRP. ^{[43], [44]}

“What about the cash-out?” Only if the rules and timelines align with your risk profile.

The 1–5% pre-lock fluctuation, combined with courier/cash-desk handling and the 24-hour photo requirement, presents significant complexities.

If this route is necessary, confirm reserves and timing with support first, and meticulously document every step. ^[45]

Bottom Line

AlwaysMoney appears fast and flexible on the surface, particularly for common trading pairs and regional UAH rails.

The API and partner program are available for those looking to build integrations or refer users.

However, the absence of a named legal entity, the opaque fee structure, and the stringent AML posture necessitate caution: proceed deliberately. For standard swaps, it can fulfill the need.

For any transactions involving cash or higher-risk flows, extra vigilance equates to smart financial practice. Verify every detail before clicking “Exchange.” ^{[46], [47], [48], [49], [50], [51], [52], [53], [54], [55], [56], [57]}

References

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