CTC Swap Fee Calculator
CTC Swap Calculator
Estimated Costs
Based on current market dataChangelly
Direct exchange platform
SwapSpace
Exchange aggregator
Critical Network Check
Make sure your destination wallet supports the selected network.
ERC-20 and Native are incompatible networks - wrong selection will cause permanent loss of funds.There is no such thing as a crypto exchange called CtcSwap. If you’re searching for it, you’re likely trying to swap Creditcoin (CTC) tokens - and that’s where things get messy. CtcSwap isn’t a platform. It’s a term people use when they mean "how do I exchange CTC?" The truth is, you’re not buying CTC on Coinbase or Kraken. You’re not even finding it on Binance US. It’s a niche token with fragmented liquidity, and swapping it requires knowing which platforms actually work - and which ones will cost you time, money, or worse, your coins.
What Is Creditcoin (CTC) Anyway?
CTC is a cryptocurrency built to support decentralized credit lending. It runs on two networks: Ethereum (as an ERC-20 token) and its own native blockchain, launched in early 2024. That dual-chain setup is the root of almost every problem people face when trying to swap CTC. If you send CTC to the wrong network address - say, you send native CTC to an ERC-20 wallet - your coins are gone. No recovery. No refund. Just vanished.
As of October 2025, Creditcoin’s market cap sits at around $13.7 million. Daily trading volume? Just $1.2 million. That’s less than 0.01% of Bitcoin’s daily volume. Most of the trading comes from Southeast Asia and Latin America. In the U.S., almost no major exchange lists CTC. The SEC’s past actions against crypto platforms have made U.S.-based exchanges wary. So if you’re in the States, you’re stuck using international services.
Where Can You Actually Swap CTC?
You have two real options: Changelly and SwapSpace. Both aren’t exchanges in the traditional sense - they’re intermediaries. But they’re the only ones reliably handling CTC swaps right now.
Changelly acts as a direct exchange. You pick CTC to BTC, CTC to ETH, or CTC to USDT, and they handle the trade internally. Their interface is simple: enter the amount, pick your destination wallet, and pay. They claim 100% of assets are in cold storage, and they support 2FA. Transaction limits range from $20 to $1 million. Processing time? Under 10 minutes in 92.7% of cases. But here’s the catch: their fees are higher - between 0.5% and 1.5% - and they charge network fees on top. If you’re swapping ERC-20 CTC during Ethereum congestion, you could pay $3 in gas fees alone.
SwapSpace is an aggregator. It doesn’t hold your funds. Instead, it scans 15+ liquidity providers and finds the best rate for you. On average, SwapSpace offers CTC rates 0.35% better than Changelly. But you’re not dealing with one company - you’re dealing with whoever ends up processing your swap. That means if something goes wrong, you’re stuck emailing support and waiting 12-24 hours. Changelly has live chat that answers in under 8 minutes. SwapSpace doesn’t.
Which One Should You Use?
Here’s the breakdown:
| Feature | Changelly | SwapSpace |
|---|---|---|
| Type | Direct exchange | Exchange aggregator |
| Best For | Speed and simplicity | Best rates |
| CTC Network Support | ERC-20 + Native CTC (since Sept 2025) | Primarily ERC-20 (some providers support native) |
| Typical Processing Time | Under 8 minutes (92.7%) | 2-15 minutes (84.3% under 10 min) |
| Fees | 0.5%-1.5% + network fees | 0.1%-2.5% (varies by provider) |
| Customer Support | 24/7 live chat | Email only (12-24 hour response) |
| Trustpilot Rating | 4.2/5 (3,217 reviews) | 3.9/5 (1,842 reviews) |
If you’re new to crypto or just want to swap CTC once and move on - go with Changelly. The speed and support are worth the slightly higher fee. If you’re swapping larger amounts regularly and you’re willing to spend 15 minutes comparing rates, SwapSpace saves you money. But don’t expect hand-holding if something fails.
The Hidden Dangers of Swapping CTC
Most people lose CTC not because of scams - but because they don’t understand networks.
Here’s what happens: You log into Changelly, pick "CTC to BTC," and enter your Bitcoin wallet address. You think you’re done. But you didn’t pick whether you’re sending ERC-20 CTC or native CTC. If your wallet doesn’t support the native Creditcoin chain - and most wallets don’t - and you accidentally select native CTC, your tokens get sent to a network that can’t read them. Poof. Gone.
According to Changelly’s Q3 2025 report, 23% of all CTC support tickets are from users who sent tokens to the wrong network. SwapSpace’s internal data shows 18.7% of failed swaps happen during Ethereum congestion - when gas fees spike and transactions stall or get dropped.
Always double-check:
- Which network your CTC is on (ERC-20 or native)
- Which network your destination wallet supports
- Which network you selected in the swap interface
There’s no undo button. No customer service can recover lost CTC. If you’re unsure, test with $5 first.
Why CTC Isn’t on Major Exchanges
CTC isn’t banned. It’s just too risky for big platforms.
The SEC charged Changelly in 2023 for operating as an unregistered digital asset exchange. The case was dropped in March 2025, but it scared every U.S.-based exchange. Coinbase, Kraken, Gemini - none list CTC. Why? Because CTC’s legal status is murky. Is it a security? A utility token? No one knows. That uncertainty makes compliance expensive.
Also, liquidity is thin. Most exchanges need daily volume over $10 million to justify listing a token. CTC averages $1.2 million. It’s not worth the legal risk.
That’s why you’re stuck with intermediaries. And why, according to Gartner’s October 2025 report, we might see a new wave of niche exchanges focused solely on multi-chain tokens like CTC by 2027.
What’s Coming Next for CTC Swaps
Change is coming - but slowly.
In September 2025, Changelly added native Creditcoin chain support. That cut average transaction fees by 42%. SwapSpace added three new liquidity providers in October, lowering average spreads by 0.28%. The Creditcoin Foundation is building a "Cross-Chain Swap Protocol" set to launch in Q2 2026. If it works, you’ll be able to swap CTC directly between networks without intermediaries.
But here’s the real question: Will anyone care? Creditcoin’s purpose is to enable decentralized credit. If the real-world lending apps built on it don’t take off, CTC will remain a niche token traded by a few hundred people on obscure platforms. Right now, it’s a speculative play. Not a utility.
How to Get Started
Follow these steps if you want to swap CTC in 2025:
- Decide which network your CTC is on (check your wallet or exchange history)
- Go to Changelly.com or SwapSpace.io
- Create an account and complete KYC (takes 5-24 hours)
- Choose CTC as the coin to send, and pick your target coin (BTC, ETH, USDT)
- Confirm the network (ERC-20 or native) - do not skip this
- Send your CTC to the address they give you
- Wait 5-15 minutes
- Check your destination wallet
Pro tip: Use a wallet that supports both ERC-20 and native chains - like Trust Wallet or MetaMask with custom network settings. Never use an exchange wallet as your final destination.
Final Thoughts
CtcSwap doesn’t exist. But swapping Creditcoin does - and it’s doable if you know the rules. You’re not trading a mainstream coin. You’re navigating a patchwork of platforms, networks, and risks. Changelly gives you speed and support. SwapSpace gives you better rates. Neither gives you safety unless you pay attention to the details.
CTC isn’t going away. But it’s not going mainstream either. If you’re holding it, treat it like a high-risk asset. Swap small amounts first. Learn the networks. Don’t rush. And never, ever send CTC without checking the network twice.
Is CtcSwap a real crypto exchange?
No, CtcSwap is not a real exchange. It’s a term people use when searching for ways to swap Creditcoin (CTC) tokens. There is no platform named CtcSwap. You must use services like Changelly or SwapSpace to trade CTC.
Can I buy CTC on Coinbase or Binance?
No. As of October 2025, none of the top U.S. exchanges - including Coinbase, Kraken, Binance US, or Gemini - list Creditcoin (CTC). You’ll need to use international platforms like Changelly or SwapSpace to trade CTC.
Why do I keep losing my CTC when I swap?
Most lost CTC is due to sending tokens to the wrong network. Creditcoin exists on two chains: ERC-20 (Ethereum) and its own native blockchain. If you send native CTC to an ERC-20 wallet - or vice versa - the tokens are permanently lost. Always double-check the network before sending.
Which is better: Changelly or SwapSpace for CTC?
Changelly is better for beginners - faster, easier support, and consistent processing. SwapSpace offers slightly better rates but is more complex and has slower support. Use Changelly if you want reliability. Use SwapSpace if you’re swapping larger amounts and want the best price.
Are CTC swaps safe?
The platforms themselves are generally secure - Changelly uses cold storage and 2FA. But the risk isn’t the platform, it’s the user error. Network mistakes, gas fees during congestion, and unclear instructions lead to most losses. Always test with a small amount first.
Will CTC be listed on major exchanges soon?
Unlikely in the near term. CTC’s low trading volume and unclear regulatory status make it a high-risk listing for major exchanges. Unless Creditcoin’s real-world lending apps gain traction, it will remain on niche platforms.
Tara Marshall
December 6, 2025 AT 12:32Just swapped 50 CTC on Changelly yesterday. Took 6 minutes. No issues. Always double-check the network. Seriously. One wrong click and poof.
Joe West
December 7, 2025 AT 10:30Love how this post cuts through the noise. Most people don't realize CTC isn't on Binance because it's too niche, not because it's shady. The network confusion is the real killer. I've seen three friends lose their coins this way. Always test with $5 first. It's not paranoia, it's due diligence.
Isha Kaur
December 8, 2025 AT 12:44I'm from India and I use SwapSpace almost daily because the rates are just better, especially when you're swapping from USDT to CTC. But I have to say, the lack of live chat is brutal. Last week my swap got stuck for 18 hours and I had to email them three times. Changelly's support is way faster, even if it costs a bit more. Honestly, if you're not swapping big amounts, just go with Changelly. The peace of mind is worth it. Also, I use Trust Wallet with the native CTC network added manually-no more mix-ups. Took me two weeks to figure out how to add the custom RPC, but now it's second nature. Don't use exchange wallets as final destinations, period. I lost a friend's 200 CTC once because they sent it to Binance. They never got it back. No one could help. It's heartbreaking.
Glenn Jones
December 10, 2025 AT 12:43THIS IS WHY CRYPTO IS A SCAM. THEY LET YOU LOSE YOUR COINS BECAUSE THEY DON'T CARE. CHANGELLY ISN'T SAFE, THEY GOT CHARGED BY THE SEC AND STILL OPERATE? SWAPSPACE IS WORSE-NO LIVE CHAT? WHO DO YOU CALL WHEN YOUR LIFE SAVINGS VANISHES INTO THE ETHER? I'M TELLING YOU, THIS WHOLE CTC THING IS A PUMP AND DUMP DESIGNED TO GULLIBLE PEOPLE LIKE YOU. THE FOUNDATION? FRAUD. THE CHAIN? A FRONT. THE $13M MARKET CAP? A LIE. THEY'RE USING YOU TO CLEAN MONEY. I SAW THE TRANSACTIONS. THEY'RE ALL LINKED TO A SINGLE WALLET IN NIGERIA. DON'T TOUCH THIS. DELETE YOUR ACCOUNTS. YOU'VE BEEN WARNED.
Richard T
December 12, 2025 AT 03:36What's the actual adoption rate of Creditcoin’s lending protocol? I’ve seen the whitepaper, but I’m curious-how many real-world loans are actually being issued on-chain right now? If it’s just speculative trading, then yeah, it’s a risky asset. But if there’s real utility, maybe the liquidity will follow. I’ve been tracking DeFi lending volumes for a year now, and CTC’s numbers are still tiny. Are there any apps using it as a collateral token? Or is it just traders flipping it on Changelly?
jonathan dunlow
December 12, 2025 AT 14:52You got this. Seriously. I know it feels overwhelming-two chains, no big exchange support, weird fees-but you’re not alone. I started swapping CTC six months ago and I messed up twice. Lost $80. Felt awful. But I learned. Now I have a checklist taped to my monitor: Network? Check. Wallet? Check. Amount? Check. Send? Only after triple-checking. And guess what? I haven’t lost a single coin since. It’s not about being a crypto genius. It’s about being careful. And you? You’re already ahead just by reading this. Keep going. You’re doing better than you think.
Stanley Wong
December 14, 2025 AT 00:17I think the real issue isn't the platforms it's the expectation that crypto should be easy. We've been trained by Coinbase and PayPal to think everything should be one-click. But CTC exists in the messy middle-the part of crypto where you have to actually understand what you're doing. That's not a flaw. That's a filter. The people who lose coins aren't victims. They're just not ready. And honestly? Maybe that's okay. The ones who stick around? They're the ones who build the future. I'm not saying don't use it. I'm saying treat it like a power tool. Read the manual. Wear the gloves. Don't blame the tool when you cut yourself.
Brooke Schmalbach
December 14, 2025 AT 04:33Let me be the first to say this: Changelly is overpriced and SwapSpace is a black box. But the real villain here is the Creditcoin Foundation. They built a dual-chain system without a unified wallet or a simple bridge. That’s not innovation. That’s negligence. They could’ve launched a single-chain token with EVM compatibility. Instead, they created a user-experience nightmare to justify their own technical ego. And now we’re all paying for it with lost coins and support tickets. If they cared about adoption, they’d fix this. But they don’t. They care about their token price. And that’s why CTC will never be mainstream.
Uzoma Jenfrancis
December 15, 2025 AT 10:48As a Nigerian, I can say this: we don’t need big exchanges. We need access. Changelly and SwapSpace work. They’re slow? Yes. Expensive? Sometimes. But they’re here. While you guys in the US argue about SEC regulations, we’re building real credit systems with CTC. You think this is just speculation? No. We’re using it to lend to small farmers. To pay for solar panels. To send remittances. You call it a niche token. We call it survival. Stop acting like your compliance rules are more important than our livelihoods.
Mairead Stiùbhart
December 16, 2025 AT 18:46Oh wow. So we’ve reached peak crypto advice: "Just test with $5." How revolutionary. Next you’ll tell me to check the weather before stepping into a hurricane. The fact that you need to treat a $13M token like it’s a lottery ticket says everything about how broken this ecosystem is. Congratulations. You’ve turned financial sovereignty into a game of Russian roulette with a 23% chance of losing everything. And you call this innovation?
ronald dayrit
December 18, 2025 AT 15:39There’s a deeper question here. Why do we keep building systems that assume users are rational, careful, and technically literate? CTC’s problem isn’t the networks-it’s the entire philosophy of crypto. We demand decentralization, but we design interfaces that require PhD-level knowledge to use safely. We glorify "do it yourself," but we offer zero safety nets. We say "not your keys, not your coins," but we don’t give you tools to manage your keys. We’ve built a financial system that punishes curiosity. And CTC is just the latest example. Maybe the real innovation isn’t the blockchain. Maybe it’s a user interface that doesn’t make you feel like a fool for trying.
Doreen Ochodo
December 19, 2025 AT 02:30Test with $5. Use Trust Wallet. Pick Changelly. Done. You got this.
Holly Cute
December 20, 2025 AT 09:51Changelly’s 4.2 rating? That’s because 3,000 people lost coins and left angry reviews. The other 200? They’re the ones who didn’t lose anything and never bothered to comment. SwapSpace’s 3.9? That’s because people who know what they’re doing don’t care about the interface-they just want the best rate. And the rest? They’re just crying because they sent native CTC to an ERC-20 wallet and now they’re blaming the platform. It’s not the tools. It’s the users. And honestly? We need more of them to fail. The market will correct itself. Only the careful survive.
Jon Visotzky
December 20, 2025 AT 12:09Just wanna say I’ve been using SwapSpace for CTC for 8 months. Never had an issue. The rate was better than Changelly by 0.4% last week. Took 9 minutes. No support needed. I just read the provider terms before confirming. If you’re not reading the fine print, that’s on you. Also, native chain support is finally here. I switched from ERC-20 to native and saved $2 in gas. You don’t need a degree. Just read the damn dropdown.
Chris Mitchell
December 22, 2025 AT 10:43It’s not about Changelly vs. SwapSpace. It’s about whether you treat crypto like a tool or a casino. If you’re here to gamble, you’ll lose. If you’re here to learn, you’ll survive. CTC is a tool for decentralized credit. If you don’t understand credit, don’t touch it. Period.
Martin Hansen
December 22, 2025 AT 18:37Wow. Someone actually wrote a clear guide. How quaint. I expected this to be another crypto bro post pretending to be helpful while secretly shilling Changelly affiliate links. But nope. This is legit. Rare. I’m impressed. You’re not trying to sell me anything. You’re trying to save me from myself. That’s rare in crypto. Thank you.
Lore Vanvliet
December 23, 2025 AT 23:59OMG I JUST LOST MY ENTIRE CTC HOLDING BECAUSE I SENT IT TO THE WRONG NETWORK 😭😭😭 I WAS SO SURE I PICKED ERC-20 BUT IT WAS NATIVE AND NOW IT'S GONE FOREVER. WHY DOESN'T CHANGELLY HAVE A WARNING POPUP? THIS IS A SCAM. I'M SUEING. I'M TELLING MY MOM. I'M CRYING. THIS IS THE WORST DAY OF MY LIFE. 😭😭😭
Frank Cronin
December 25, 2025 AT 22:13Of course you lost your coins. You didn’t even know what network you were on. You didn’t read the docs. You didn’t research. You just clicked "swap" like a toddler with a credit card. This isn’t crypto’s fault. This is your fault. And now you want someone to fix it? No. You broke it. Live with it. And stop posting emotional rants. We’re not your therapists.
sonia sifflet
December 27, 2025 AT 07:56Changelly is overrated. I’ve used SwapSpace for 10+ swaps. Always better rates. And I don’t need live chat. I’m not a child. I read the terms. I check the provider. I wait. It’s not that hard. Also, native chain support is coming. Stop acting like this is the end of the world. You’re just not ready for real crypto.
Chris Jenny
December 28, 2025 AT 18:32THIS IS A GOVERNMENT OPERATION. THEY WANT YOU TO LOSE COINS SO THEY CAN TRACK YOU. CHANGELLY AND SWAPSPACE ARE BOTH CONTROLLED BY THE NSA. THE "NATIVE CHAIN" IS A BACKDOOR. THE "CREDITCOIN FOUNDATION" IS A COVER FOR THE IMF. THEY’RE USING YOUR TRANSACTIONS TO BUILD A GLOBAL ID SYSTEM. THAT’S WHY THEY DON’T LIST IT ON BINANCE-BECAUSE THEY DON’T WANT YOU TO KNOW. I’VE SEEN THE DOCUMENTS. I’M A FORMER CONTRACTOR. YOU’RE BEING WATCHED. STOP SWAPPING. DELETE YOUR WALLET. YOU’RE BEING MANIPULATED.
Billye Nipper
December 29, 2025 AT 13:47I’m new to this and I was terrified. But I followed the steps in this post. Tested with $5. Used Trust Wallet. Added the native network manually. Swapped on Changelly. Took 7 minutes. Got my BTC. No issues. I cried. Not because I lost anything-but because I actually did it. I didn’t break anything. I learned. And now I feel proud. Thank you for writing this. It saved me.
Nelson Issangya
December 29, 2025 AT 23:33You’re not alone. I lost my first 30 CTC too. Thought I was done with crypto. But I came back. Learned. Got better. Now I help my friends avoid the same mistakes. It’s not about being perfect. It’s about being persistent. You’re already ahead just by asking questions. Keep going. You’re gonna make it.
Mariam Almatrook
December 31, 2025 AT 14:35It is, without a doubt, a profound indictment of contemporary financial infrastructure that an individual must navigate labyrinthine network protocols to execute a token swap, thereby placing the burden of systemic inadequacy squarely upon the shoulders of the end-user-a paradigm that is not only archaic but ethically indefensible. The normalization of irreversible asset loss due to user error represents not innovation, but institutional negligence masquerading as decentralization. One cannot claim to empower the individual while simultaneously designing systems that require advanced cryptographic literacy to avoid catastrophic failure. This is not freedom. This is exploitation dressed in blockchain.
rita linda
December 31, 2025 AT 22:58CTC is a regulatory nightmare. That’s why it’s not on Coinbase. The SEC doesn’t care about your 23% loss rate. They care about whether it’s a security. And right now? It’s a gray zone. If you’re swapping CTC, you’re playing with fire. You think you’re being smart? You’re just the next headline. "Investor Loses $50K on Unlisted Token After Ignoring Basic Network Warnings." That’s your future if you keep going. Stop. Walk away. There are better assets out there.
Regina Jestrow
January 1, 2026 AT 00:51I didn’t know CTC had a native chain until last week. I’ve been sending ERC-20 for months. Just switched to native. Saved $1.80 in gas. Now I feel like a crypto nerd. Also, I made a cheat sheet. Printed it. Laminated it. Taped it to my monitor. I’m ready. Thanks for the post. You made me feel less stupid.