FixedFloat Instant Crypto Swap & Exchange Guide

What is FixedFloat, really?

FixedFloat is an instant cryptocurrency exchange (an "instant swap" service) that has been running since 2018. Instead of asking you to register, fund a wallet, and place orders on an order book the way a centralized platform like Binance or Bybit does, it does one job: it takes coin A from you and sends back coin B to an address you control. Think of it less like a bank and more like a currency kiosk at an airport — fast, transactional, and built around a single conversion rather than a long-term account.

That design has real consequences, and most of this guide is about those consequences. Because there's no account, there's usually no KYC for ordinary swaps — but also no password reset, no "contact support to recover my balance," and no buyer protection if you fat-finger an address. The convenience and the risk come from the same place: the service is deliberately thin.

According to the official site (ff.io), FixedFloat supports well over a hundred cryptocurrencies and tokens across major networks — Bitcoin (including the Lightning Network), Ethereum, USDT on multiple chains, Monero, Litecoin, BNB, Solana, XRP, TRON and many more. It markets itself as "lightning crypto exchange," and the Lightning Network support is a genuine differentiator for small, fast Bitcoin transfers. We'll treat all such specifics as claims published by the operator — accurate at the time of writing but worth re-checking on ff.io, since listings and limits change often.

How a FixedFloat swap works, start to finish

Every instant swap follows the same five-beat rhythm. Learn it once and every exchange on the planet — FixedFloat, ChangeNOW, SimpleSwap, or the convert widget on a CEX — feels familiar.

1. Choose the pair. Select what you're sending (e.g. BTC) and what you want back (e.g. ETH). On a multi-chain coin like USDT, you also choose the network — this is the single most important field on the screen.
2. Pick fixed or float. Fixed locks your payout for a short window; float tracks the market until your deposit confirms. More on this below.
3. Enter your receiving address. Paste the address of the wallet that will receive the swapped coins. Double-check the first and last four characters against your wallet.
4. Send your deposit. The service shows a deposit address and (for fixed orders) a countdown timer. You send exactly the requested amount from your wallet.
5. Receive your coins. After the required network confirmations, the swapped coins are pushed to your address. You can usually track the order by its ID without logging in.

Fixed rate vs float rate — which should you pick?

This is the question new users get wrong most often, so let's make it concrete. Both options are legitimate; they just protect different things. A fixed rate protects the amount you receive. A float rate protects your fee. You can't fully optimize for both at once.

*Exact fees and spreads are set by the operator and shown at order creation on ff.io. We don't quote a single number because it varies by pair, amount and market conditions — verify live.

Rule of thumb: if you're moving a meaningful amount, or your sending wallet is slow to confirm (looking at you, congested Bitcoin mempool), pay the small premium for a fixed rate. If you're swapping pocket change in a quiet market and want the best price, float is usually fine.

Fees, network costs, and the numbers that actually hit your wallet

There are two costs in any swap, and people routinely confuse them. The first is the exchange fee/spread — what the service earns, baked into the rate. The second is the network (miner/validator) fee — what the blockchain charges to move your coins, which the exchange does not control. On a calm day moving USDT over TRON, network fees are trivial. During an Ethereum gas spike, the network fee on an ERC-20 transfer can dwarf the exchange's own cut.

This is why "cheapest exchange" is the wrong question. The right question is "cheapest route." Swapping BTC → USDT (TRC-20) on a quiet day can be dramatically cheaper to withdraw and re-use than BTC → USDT (ERC-20), even at an identical exchange rate. Our individual pair guides walk through the network choice for each popular route.

Staying safe: the habits that matter more than any platform

We've been in crypto long enough to watch platforms rise, get hacked, and disappear — and FixedFloat itself was hit by a significant exploit in early 2024, which we cover honestly in our reviews page. The lesson isn't "avoid all exchanges." It's "minimize the time and the amount you expose to any single point of failure." An instant swap is, by design, a short exposure — but only if you treat it that way.

• Verify the domain. Phishing clones of popular exchanges are everywhere. Type the address yourself or use a saved bookmark; never click "FixedFloat" links from random DMs or ads.
• Send a test amount for large transfers or unfamiliar networks. A small first transaction confirms the route before you commit real money.
• Own your keys. Move swapped funds to a wallet you control. If you're holding meaningful value, a hardware wallet (cold storage) is the single best upgrade you can make.
• Match the network — yes, again. It's worth repeating because it's the most common irreversible mistake.

Explore the full guide

Key crypto-swap terms, decoded

New to this? These are the words that matter when you swap. Skim them once and the rest of our guides read easily.

Want to go deeper on any of these? Start with the app guide, understand accounts in the login & registration guide, or jump straight into a step-by-step swap walkthrough. Every guide on this site is built around the same idea: explain the mechanics honestly so you keep control of your own money.