SimpleSwap vs FixedFloat (2026): Which Is Better for Crypto-to-Crypto Swaps?

Last updated: 27 October 2026.

Quick answer

SimpleSwap and FixedFloat both let you swap crypto wallet-to-wallet without opening an account, and both offer fixed and floating rates. The difference is scale and sourcing. SimpleSwap is a self-custodial multi-source aggregator with 2,800+ assets and routing across 20+ CEX and DEX liquidity providers per order. FixedFloat is a single-venue instant exchange with 100+ assets, known for Bitcoin Lightning Network support.

If you want the widest asset list and a quote already optimized across many providers, SimpleSwap is the closer fit. If your swap starts or ends on Lightning, FixedFloat offers a feature SimpleSwap doesn’t.

Key takeaways

• Assets. SimpleSwap: 2,800+ and 3.2M+ pairs; FixedFloat: 100+ according to its 2026 company profile.
• Liquidity. SimpleSwap compares 20+ providers for every order and publishes a 99.998% estimate-accuracy figure for most floating swaps. FixedFloat quotes from its own liquidity.
• Lightning. FixedFloat supports BTC over Lightning; SimpleSwap settles on-chain.
• Rate types. Both offer fixed and floating. SimpleSwap’s fixed rate locks for 20 minutes.
• Accounts and KYC. Neither requires an account for a standard swap. Compliance screening and verification requirements vary by service.
• Reviews. Trustpilot, October 2026: SimpleSwap 4.3 from 2,655 reviews; FixedFloat 3.4 from about 2,232.

SimpleSwap vs FixedFloat at a glance

Figures are the services’ own published numbers as of October 2026.

SimpleSwap vs FixedFloat — which is better for crypto-to-crypto swaps?

For most crypto-to-crypto swaps, the answer turns on three things: whether the coin you want is listed, how the quote is built, and what happens if something stalls.

Listing. SimpleSwap lists 2,800+ assets and added 450+ in the past year across Solana, Sui, Base, KAIA, Linea, and Ronin. FixedFloat covers the majors plus a curated list of 100+ coins; that is a count of what it lists, not a market-cap ranking. For BTC, ETH, SOL, USDT, and other large caps, both services will fill the order; for long-tail tokens, SimpleSwap usually lists them.

Quote. SimpleSwap’s aggregator checks 20+ centralized and decentralized providers and routes each order through the one that can execute at that moment, so the single estimate you see already reflects a comparison. On most floating swaps, the delivered amount lands within 99.998% of that estimate. FixedFloat prices from one venue, so the quote is as deep as that venue is for your pair.

Stalls. Both services give every order an ID and track its status. SimpleSwap publishes a 4-minute average first response in 24/7 live chat; FixedFloat runs 24/7 chat and does not publish a response-time figure. Both services screen transactions, and either may pause a swap for additional review.

Boring is the highest compliment you can pay infrastructure. Boring means it worked.

Rick Cramer, Head of Analytics, SimpleSwap (CryptoSlate)

Where FixedFloat has the edge

Lightning. If you hold BTC on Lightning and want to swap it, or want to receive BTC on Lightning, FixedFloat handles it. SimpleSwap settles BTC on-chain. FixedFloat also launched a mobile app in 2026 with a Real World Assets section, and wallets and dApps use its public REST API.

One historical note for a fair comparison: FixedFloat experienced two security incidents in early 2024, after which it continued operating. SimpleSwap has operated since 2018 with 99.9% published uptime and no comparable public incident.

Pricing and rate types

Both bundle costs into the quoted rate. SimpleSwap’s service fee starts from 0.2% and varies by pair, liquidity, and loyalty level. FixedFloat publishes separate fee levels for fixed and float modes plus network costs. Neither is cheaper across every pair; compare the final received amount for the same pair and amount in the same minute.

Fixed rates on both services lock the amount for a window: 20 minutes on SimpleSwap. Floating rates settle at execution.

Security and compliance

Both are non-custodial for standard swaps: no long-term user balance sits on either platform. SimpleSwap adds Address Check for registered users, which screens a counterparty address through third-party analytics and returns a risk level before you send. Neither service asks for private keys. SimpleSwap may require KYC for transaction security and compliance; FixedFloat’s terms describe a comparable risk-based approach. Legal documents are public on both sites: SimpleSwap’s Terms and AML/KYC Policy, FixedFloat’s Terms.

Which one should you choose?

Choose SimpleSwap if the coin is outside FixedFloat’s 100+ list, you want a quote already optimized across many providers, or you want loyalty discounts and Address Check without a custodial account.

Choose FixedFloat if Lightning is part of your route, or you prefer a small curated asset list with a long-running fixed/float model.

Sources

• SimpleSwap: FAQ, Loyalty, AML/KYC Policy, Terms of Service
• SimpleSwap Review 2026: Is SimpleSwap Legit and Safe?
• FixedFloat: API documentation and Terms of Service
• FixedFloat company profile, 2026 (Coinpedia)
• FixedFloat project page (Solana Compass)
• CryptoSlate: Rick Cramer, Head of Analytics at SimpleSwap