From Swaps to Super Apps: How ChangeNOW Is Building Crypto’s One-Stop Financial Platform

Cryptocurrencies have changed heavily since the introduction of Bitcoin as a peer-to-peer payment system. For some, Bitcoin is better used as an investment rather than as a currency to spend.

New cryptocurrencies are adapting to payment needs. And crypto users have thousands of options to choose from. That’s where crypto wallets can come into play, allowing someone to buy, sell, or save across a variety of cryptocurrencies.

At Consensus 2026 in Miami Beach, BeInCrypto recently met up with Tim Stanyakin, Head of Growth at ChangeNOW, about the company’s latest wallet offerings – including an expansion into areas such as sports betting.

ChangeNOW’s Infrastructure Base

While many users may simply think of a crypto in terms of its end use, there’s often significant code to make a crypto work. And combining multiple cryptocurrencies via a wallet can be a substantial challenge. 

ChangeNOW has been able to build up a substantial infrastructure to provide a one-stop shop for cryptocurrencies across radically different use cases.

“We have an ecosystem. We have a branch called NOWPayments. We provide cryptocurrency, even gateway for different companies, starting from retail to gambling to iGaming. Moreover, we have our own non-custodial wallet, NOW Wallet. We have an infrastructure provider called NOWNodes. It’s like the basement for almost every company on the market.”

NOWNodes provides a scalable crypto node platform. That includes blockchain APIs and full-node infrastructure, with flexibility for developers, enterprise solutions, and even Web3 projects.

The International Regulatory Environment

Regulatory concerns remain at the forefront of the crypto market right now. 

The Clarity Act, which could lead to massive growth in stablecoin adoption in the U.S., appears to be moving towards a vote in the U.S. Senate. 

But that’s just one country’s legislation. ChangeNOW’s global footprint requires a nuanced approach for each country and region.

“We work worldwide in the U.S., Canada, Europe. Now we’re trying to conquer the APAC region. That’s a lot of different regulatory frameworks. You choose the approach [in each region] not because of the mindset of the people, but mostly because of the different requests from the government and from taxes and forms.”

Combining Crypto With Prediction Markets and Sports Betting

Amid the crypto winter, soaring speculative interest has shifted towards areas such as prediction markets and sports betting. 

These can offer some prospective quick wins. Crypto assets can provide funding, as ChangeNOW is fully integrating sports betting into their wallet – and is moving this market on-chain.

“We did a deep research and we understood that the whole market right now, the previous main highlight, I mean the 2024, 2025 was AI. Now it’s perps, prediction, prediction, perps. And as we would like to satisfy all of our customers, we decided to do that on-chain. We integrated Asper, we integrated PolyMarket, HyperLiquid, and it’s natively right now inside the app.” 

The addition of prediction markets on top of other features creates a killer app – a one-stop financial platform for not just buying and holding crypto, but for staking and other financial activities such as gaming.

“When you use a non-decentralized platform for doing perps, prediction, any yield products and using your own keys and private keys from your non-custodial wallet, it makes sense for almost the whole audience.”

Meeting TradFi In Other Asset Markets

ChangeNOW is one of a growing number of platforms providing more than just one site for crypto investing. 

It’s also integrating a substantial number of traditional assets that might normally require a traditional brokerage account – or may be difficult to access for many individuals in some countries.

“We’ve integrated, I think, around 50 assets from traditional finance, including gold, silver, Nvidia stocks, Exodus stocks, Crossforce, everything.  We have everything in the top 10. And we increase that almost every month. That’s similar to how brokerages are introducing crypto.”

To some extent, many of the tradfi companies attending Consensus were looking to integrate cryptocurrencies to their platforms. Both tradfi and defi are now adding features that will substantially overlap.

Looking Ahead

Like many companies at Consensus, it’s a time to showcase the work that’s going on, rather than celebrate the path traveled so far. ChangeNOW is no exception. Its integration of traditional assets, alternative areas such as prediction markets and sports betting, all combine to make a killer app.

The real question is, what does the future hold? Here’s where ChangeNOW expects to be able to include for its users by the end of Q4 2026:

“NOW Wallet will be in a path of transformation to a kind of super app, where there will be everything available, starting from regular payments in the physical world. There will be AI engines… there will be new yield products, so you will be able to gain income from staking. There will be some more complicated products.”