¿Qué es el tipo de cambio flotante?

El tipo de cambio flotante es aquel que se actualiza en tiempo real y puede cambiar durante el intercambio. Este tipo de cambio se forma en base a los datos de varios proveedores de liquidez y refleja la situación actual del mercado.

¿Por qué puede cambiar el tipo de cambio flotante durante el intercambio?

El cambio del tipo de cambio flotante puede ocurrir por varias razones:

• volatilidad del mercado (movimiento del precio del activo en tiempo real);
• liquidez y complejidad de un par de divisas específico;
• especificidad de los instrumentos y algoritmos de los proveedores;
• comisiones adicionales y márgenes;
• posible deslizamiento (hasta ~3%).

También es importante tener en cuenta que las condiciones de aplicación del tipo de cambio flotante son determinadas por el servicio y pueden depender de parámetros internos, características del instrumento elegido y otros factores técnicos.

¿Qué es el tipo de cambio fijo?

El tipo de cambio fijo es aquel que se asegura para su solicitud por un tiempo limitado. En nuestro servicio, el tipo de cambio se fija por 15 minutos desde el momento de la creación de la solicitud.
 Durante el período de fijación, la cantidad a recibir permanece sin cambios.

¿Puede cambiar el tipo de cambio fijo?

Sí, el tipo de cambio fijo puede ser recalculado en los siguientes casos:

1. Vencimiento de 15 minutos, asignados para el pago de la solicitud.
2. Volatilidad anormal del mercado, en la que mantener el precio fijo se vuelve imposible.

En caso de alta volatilidad, el tipo de cambio se acuerda individualmente durante el proceso de recepción de fondos.

¿Qué sucederá si no puedo pagar la solicitud en 15 minutos?

Después de que expire el período de fijación, el tipo de cambio se recalcula según el valor de mercado actual. Antes de continuar con el intercambio, podrá familiarizarse con el tipo de cambio actualizado y confirmar la operación.

¿Qué elegir: tipo de cambio flotante o fijo?

• El tipo de cambio flotante es adecuado si desea el tipo de cambio de mercado más actual y está dispuesto a aceptar fluctuaciones de precios.
• El tipo de cambio fijo es conveniente si le importa la previsibilidad de la cantidad final y la protección contra saltos de precios a corto plazo.

1. Cash Issuance

1.1. General Provisions

1. The actual address of the cash issuance point is agreed upon with the personal manager only after the client confirms their agreement with the exchange conditions.  
2. Communication with the manager is possible exclusively in the Telegram chat, access to which is activated after submitting a request through the website. 
3. All conditions of the request — including the amount of the operation, the current exchange rate, the size of the commission fee, and other parameters — are fixed at the time of its registration and can only be changed at the initiative of the client and with their consent.

1.2. Conditions for Receiving Funds

4. Cash is issued in two ways: 

• at the office (presentation of a passport is mandatory); 
• with courier delivery (paid service). 

  – If there is no office in the city, delivery to the basic address is already included in the rate. 

  – Delivery to an individual address is paid additionally; the cost is calculated depending on the location. The page contains regulations defining the procedure for conducting cash exchange operations. The document establishes the rules for receiving, processing, and issuing currency to individuals and organizations, as well as requirements for document preparation and reporting.

5. In the office, it is possible to issue by token: 

• The token is a unique identifier of the client. 
• To confirm identity, the client must send a photo of the banknotes with the clearly indicated token to the manager.

1.3. Security and Checks

6. Verification of cryptocurrency addresses is carried out after the funds are received. 

In case of identifying risks, the service reserves the right: 

• to suspend the operation until a decision is made; 
• to return the funds to the client. 

Verification is not required, except in situations defined by the manager.

1.4. Other Conditions

7. The minimum exchange amount can be reduced by prior agreement: 

• for this, it is necessary to submit a request for the minimum allowable amount and notify the manager; 
• after agreement, the conditions are adjusted based on the current rate. 

8. The exchange is carried out on the day of the request submission. 

• Requests submitted late in the evening may be processed on the next working day. 

9. The commission percentage is fixed at the time of request creation and is not subject to change. 

• The rate may be adjusted depending on market volatility. 

10. All information regarding cash issuance is provided only through the Telegram chat with the manager. 

The data of the request is automatically transmitted to the manager after registration.

2. Cash Acceptance

2.1. General Provisions

1. The office address for cash submission is agreed upon with the manager after confirming the exchange conditions. 
2. If there is no office in the city, funds are accepted through a courier.

2.2. Procedure for Acceptance

3. The courier contacts the client, accepts cash, and delivers it for counting and verification. 

After all procedures are completed, the funds are credited to the specified cryptocurrency address. 

4. To contact the manager, it is necessary to submit a request and go to the Telegram chat via the link provided by the system. 

The manager accompanies the client at all stages of the transaction.

2.3. Client Requirements

5. Presence of a passport is mandatory. 
6. During a personal meeting (in the office or with the courier), the client must confirm that they own the specified crypto address. 
7. Involvement of intermediaries or third parties in the exchange is strictly prohibited.

2.4. Financial Conditions

8. When accepting cash through a courier, a prepayment of 100 USDT or its equivalent in another currency via online payment may be required. 

• Funds are either returned to the client or counted towards the final exchange amount. 
• Details about the prepayment are agreed upon with the manager after submitting a request.

2.5. Additional Provisions

9. The minimum exchange amount can be reduced by agreement: 

• it is necessary to submit a request for the established minimum and notify the manager; 
• the conditions are adjusted based on the current rate. 

10. The exchange is carried out on the day of the request submission. 

• Requests submitted late are processed on the next working day. 

11. The commission percentage is fixed at the time of request creation and remains unchanged. 

The rate may be adjusted due to market volatility. 

12. All clarifications regarding cash acceptance are available exclusively in the Telegram chat with the manager. 

Information about the request is automatically transmitted to the manager.

UUSD

Uusd es un ecosistema stablecoin Utopia, vinculado al tipo de cambio del Dólar de los Estados Unidos en una proporción de 1:1.

• Objetivo principal - mantener la estabilidad del curso y proporcionar una herramienta conveniente para los cálculos.

• Aplicación:

  • almacenamiento de fondos sin riesgo de fluctuaciones bruscas del tipo de cambio;

  • traducciones rápidas y fáciles;

  • uso en el comercio y los servicios en línea, donde la previsibilidad del valor es importante.

UUSD permite a los participantes del sistema trabajar con activos digitales tan cómodamente como con monedas tradicionales.

CRP (Crypton)

CRP es la principal criptomoneda del ecosistema Utopia.

• Funciones:

  • se utiliza como medio de intercambio y liquidación dentro de la red;

  • se aplica para el staking, lo que apoya el trabajo de la infraestructura y trae recompensas a los titulares;

  • tiene su propio valor de mercado y puede ser considerado como un activo de inversión.

CRP actúa como una fuerza motriz para el ecosistema, asegurando el funcionamiento de sus servicios y la rotación financiera.

Utopia

Ambas monedas, UUSD y CRP, están relacionadas con el ecosistema Utopia que reúne en sí:

• carteras de criptomonedas,

• sistema de traducción instantánea,

• servicios para empresas y usuarios.

De este modo, UUSD es una unidad de cuenta estable, y CRP - el papel de la moneda base del ecosistema y la herramienta para apoyar su trabajo. Juntos forman la base del modelo financiero de Utopia.

 Tether (USDT) is a digital currency (stablecoin) whose value is always pegged to the price of the US dollar, which protects it from price volatility in the cryptocurrency markets.

 Tether does not have its own blockchain, it is presented in the form of a token. The main difference between tokens and other cryptocurrencies is that tokens are created and hosted on a blockchain, whereas Bitcoin or Ethereum are the native currencies of their respective blockchains.
 Tether was launched in 2014; to date, a large number of networks have appeared to work with this asset. For this reason, a logical question arises: on which network should USDT be stored and transferred in 2024?

 In this article, we have collected the advantages and disadvantages of the five most popular networks.

Ethereum (ERC20)

 Tether on the Ethereum network (ERC20) was released in 2018. ERC20 tokens are stored and sent using Ethereum (ETH) addresses and transactions.
 The ERC20 network is supported by many centralized exchangers (CEXs) and wallets, and is fundamental to decentralized exchangers (DEXs), which specialize in trading cryptocurrencies and digital assets directly between users.
 When working with this network on centralized exchangers, it is necessary to take into account that crediting funds requires a large number of confirmations and this significantly affects the time of transactions. The main disadvantage is the high commissions for sending and exchanging on DEX.

Advantages:

• supported on most CEXs and wallets;
• DEX compatible.

Flaws:

• high transaction costs;
• increased transaction time.

Tron (TRC20)

 The launch of Tether on the Tron network (TRC20) occurred in 2019. TRC20 tokens are stored and sent using Tron (TRX) addresses and transactions.
 The TRC20 network is supported by almost all centralized exchangers and for a long time, in the absence of significant competition, it was preferred due to fast transactions and low sending fees.
 Due to a number of unsuccessful changers in calculation algorithms, sending commissions have increased significantly, for this reason in 2024 the choice of TRC20 is not as obvious as before. Another significant disadvantage is that the network is incompatible with decentralized applications and wallets based on Ethereum.

Advantages:

• supported on most CEXs and wallets;
• fast transactions.

Flaws:

• incompatibility with DEX;
• high commissions.

BNB Smart Chain (BEP20)

 The BNB Smart Chain (BEP20) network was created by the Binance exchanger in 2020 as an alternative to the ERC20 network. The main token on the network is Binance Coin (BNB), which is used to pay fees.
 The main advantages when working with the BEP20 network are: high speed of transaction processing and low cost of paying commissions, as well as compatibility with decentralized applications and wallets based on Ethereum.
 

BEP20 is a centralized network, the validators for which are selected by the creator of this network - the Binance exchanger. Thus, the viability of BEP-20 tokens depends primarily on the functioning and development of the Binance exchanger, which is the main deterrent when working with BEP20. BEP20 network support is not available on most other centralized exchangers, making the process of exchanging BEP20 tokens much more difficult.

Advantages:

• low commissions;
• fast transactions;
• DEX compatible.

Flaws:

• dependence on the Binance exchanger;
• not supported on most CEXs.

Sol (Solana)

 Tether became the first stablecoin on the Sol network (Solana), launched in 2020. To pay commissions and ensure the operation of the network, SOL (Solana) is used.
 Sol is a decentralized network that allows for fast and low-cost transactions. The high degree of decentralization makes this network attractive from a security point of view; many decentralized exchangers operate on Sol.

 The main problem for the Sol network is its technical condition, namely frequent malfunctions. Since its launch, the network has stopped operating for long periods of time, and this leads to a large number of risks, since you will not be able to manage your assets.

Advantages:

• low commissions;
• fast transactions;
• DEX compatible.

Flaws:

• unstable network operation.

TON (Toncoin)

 Tether appeared on the TON (Toncoin) network quite recently, in April 2024. The native token of the same name TON (Toncoin) is used to pay transaction fees.
Thanks to its high performance and scalability, the TON network provides fast, inexpensive and energy-efficient transactions.

 TON is an innovative project that is at the stage of adoption and implementation. By the time of the launch of USDT on the TON network: there is still no support for this network by the most popular multi-currency wallets and centralized exchangers. Poor tokenization limits the ability to exchanger through decentralized applications.

 TON on paper is a kind of 21st century penicillin for the crypto industry, but the project’s ecosystem has not yet fully opened up: whether this will be the case on paper only time can tell.

Advantages:

• low commissions;
• fast transactions.

Flaws:

• underdeveloped ecosystem.

Which network to choose?

Only you can answer this question based on the described advantages and disadvantages of each network; you must choose a network based on the purposes of purchasing USDT: do you simply need to store funds, pay for goods or services, trade on centralized or decentralized exchangers.

You can buy USDT in any of the networks on our website.

This article is not a call to action and does not constitute individual investment advice.

Un identificador de transacción (TxID), o hash de transacción, es una secuencia única de caracteres para cada transacción, verificada y agregada a la cadena de bloques. En otras palabras, TxID es un número de identificación que marca cada transacción en la cadena de bloques. Con TxID puede consultar su historial de depósitos y retiros.

MEMO o etiqueta de destino es un valor único adicional para la dirección de la billetera que le permite identificar al destinatario de los fondos. Si no ingresa y también proporciona un MEMO o una etiqueta de Destino incorrectos, es posible que pierda sus fondos.

Sí, la verificación de la tarjeta virtual es posible bajo ciertas condiciones.

Procedimiento de verificación de la tarjeta bancaria virtual

Para pasar procedimientos de verificación es necesario proporcionar una foto (selfie) en la que se capturan simultáneamente:

1. Dispositivo con tarjeta virtual abierta.
2. Pasaporte del titular.
3. Una hoja de papel que indica el nombre del intercambiador y los últimos cuatro dígitos del número de solicitud.

Requisitos de imagen de la tarjeta:

• Los 16 dígitos del número de la tarjeta deben ser claramente visibles en la pantalla.
• Las iniciales del titular de la tarjeta deben ser distinguibles.

Requisitos generales de calidad de imagen:

• Todos los datos de la foto deben ser claramente visibles y fáciles de Leer.
• La imagen debe tomarse con suficiente luz, sin deslumbramiento ni atenuación.
• La foto debe estar en color, sin partes recortadas del documento o la pantalla.
• No se permiten editores gráficos ni filtros.

Se trata de un programa de fidelización o el denominado “Programa de Bonificación”, con el que podrás recibir un descuento adicional de hasta un 20% al realizar intercambios en nuestra web Mchanger. Un bono es igual a un rublo ruso. Puede encontrar información más detallada en el artículo "Programa de bonificación del servicio Mchanger".