Custody in one paragraph: your accepted virtual assets and stablecoins sit in wallets under your account whose private keys are held solely by Changer.ae, segregated from company assets, pooled into omnibus custody storage and reconcileddaily, under the FSRA's Client Assets & Safe Custody rules (COBS Chapter 15). Fees: deposits free, custody 0.5%/yr (avg monthly USD balance), withdrawals per asset schedule — all published on the fees page.
Safekeeping architecture
- Sole custodian of private keys. Any accepted asset we receive is securely stored with Changer.ae as its sole private-key custodian.
- Segregation. Your assets are held segregated from Changer.ae's own assets at all times.
- Omnibus (pooled) storage. Client assets are pooled with other clients' assets in omnibus wallets — never with company funds.
- Daily reconciliation. We reconcile client holdings every day, with near-real-time statements available on login.
- ADGM jurisdiction. Assets are held within the ADGM; any change of jurisdiction would be pre-disclosed to clients by email.
What we do not do
- No interest. Changer.ae does not provide interest on assets held in custody.
- No lending, no staking games. Custody means keeping — your assets are not lent, loaned or rehypothecated.
- No principal risk. In arranging/dealing transactions Changer.ae never takes the other side of your trade.
- No advice. Services are execution-only; we do not issue recommendations or opinions on acquiring or trading virtual assets.
The wallet model, precisely
Your account can consist of one or multiple wallets, each specific to a fiat currency, stablecoin, or accepted virtual asset. Deposit a new asset by opening the matching wallet first; deposits are considered available only once Changer.ae confirms them. Withdrawals settle to a bank account or external wallet registered and verified under your account — which is how the FSRA expects controlled custody to behave.
A “withdrawal” includes closing a wallet or your account, meaning fees are always fairly settled at the moment assets leave custody — nothing is hidden in the leave process.
Custody pricing, transparently
| Service | Fee | Notes |
|---|---|---|
| Custody fee | 0.5% p.a. | Charged monthly on the average USD value of each wallet; autopay; per-wallet line items on your statement. |
| Deposit fee | None | Platform charges no deposit fee at this time. |
| Fiat balances | None | No custody fee and no minimum balance for fiat. |
| Withdrawal | per asset | See the published schedule — e.g. BTC 0.0001, ETH 0.002, USDT/USDC 5, XRP 0.5. |
| Arranging / dealing | 2% | Applies to the USD/AED value of the executed transaction. |
Fee wording and methodology summarized from the published Fees page; the fee schedule there is authoritative where a rate is pegged to a contract tier.
Get started
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