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USDC or USDT: Which Stablecoin Should You Exchange

USDC or USDT: Which Stablecoin Should You Exchange

Aug 27, 2026

The difference isn't price — both coins are worth a dollar. It's liquidity, networks, and which issuer you trust

YellowChanger Trading API: how the partner pricing model works

The YellowChanger Trading API lets you plug crypto-to-fiat and crypto-to-crypto exchange into your own product and earn on top of the platform's base rate. Access is issued from the personal cabinet; the partner decides how much markup to add to the Yellow or Green Exchange rate and keeps the difference on every trade routed through their own API key.

Who actually needs an exchange API instead of a widget

The ready-made exchange form on yellowchanger.com can be embedded as a widget, but some businesses need something different: their own backend logic, their own interface, exchange as one step inside a bigger flow. That's the case for payment services, Telegram bots, crypto-paying marketplaces, fintech startups and exchanger aggregators — they need a ready liquidity source and pre-built AML scoring, not the job of negotiating with blockchain nodes and exchanges from scratch.

The point of an API integration over a plain referral link is control: the partner decides how the rate is shown to the client, how much markup to add, and at what step of the trade to apply it.

How a partner earns: base rate plus their own markup

The model is simple. YellowChanger publishes base platform rates — the floor the service itself charges. A partner connects with an API key and adds their own commission on top of that floor, as much as makes sense for their audience. The gap between what the end client pays and the platform's base rate stays with the partner — it's the partner's own markup, not a fixed YellowChanger tariff.

Trading API base rates, summer 2026

<b>Green Exchange</b> (floating rate, loyalty program available): instant crypto → RUB payout — 4.5%; P2P crypto → RUB — 2.5%; crypto → crypto — 0.6%

<b>Yellow Exchange</b> (rate fixed for 10 minutes from order creation): instant crypto → RUB payout — 5%; P2P crypto → RUB — 3%; crypto → crypto — 1%

These are the platform's own base rates — how much a partner adds on top is entirely their call, and the platform doesn't cap it.

1,360+ trading pairs and both rate modes — Yellow with a 10-minute fix and Green at the live market rate — are available through the same Trading API, with no separate integration per asset.

An example in numbers

Say a partner connects the Green P2P crypto → RUB direction with its 2.5% base rate and decides to add their own 1.5%. Their client sees a combined 4% commission, of which the partner keeps 1.5% and 2.5% goes to the platform. This is an illustration of the mechanism, not a guaranteed return — the actual markup, trade volume and resulting economics depend on the partner's audience.

What happens on the end user's side

A partner's client is covered by the same rules as on yellowchanger.com itself: identity verification isn't required for the vast majority of exchanges. Instead of mandatory KYC, the sender's address goes through automated AML risk-scoring; if the risk score is at or below 70% and the share of "red" address marks is under 0.1% — which covers the vast majority of cases — the order is processed fully automatically. If either threshold is exceeded, the service may hold the order for additional review and, in some cases, request an identity document, but even then a refund to the sender's address is usually still possible without completing full verification.

Where to start integrating

API access and keys are issued from the personal cabinet on yellowchanger.com; the full technical documentation — endpoints, limits, webhooks — is published at docs.yellowchanger.com. Before wiring up a specific direction, it's worth checking the live rate on the regular exchange page, for example USDT → RUB via SBP — the same quotes the API returns, just in a single-trade interface.

If an API is more than you need, there's the referral program

Not everyone needs a full integration. A simpler option is the referral program: 40% of YellowChanger's own profit (specifically the service's profit, not the trade amount or the commission itself) on every trade made by a referred user, with no development and no API key required.

Frequently asked questions

Do users who exchange crypto through a partner's API need to verify their identity?

No — for the vast majority of exchanges, no passport or other document is required. Only the sender's address is checked, through automated AML risk-scoring; if the risk is elevated, the service may hold the order and, in some cases, request a document, but even then a refund to the sender's address is usually available without full verification.

Can the API exchange one cryptocurrency for another, not just cash out to RUB?

Yes. Alongside crypto → RUB directions (instant payout and P2P), the Trading API also supports crypto → crypto pairs, with a 0.6% base rate on Green Exchange and 1% on Yellow Exchange.

How much markup can a partner add on top of the base rate?

The platform doesn't cap it — the size of the markup a partner adds to the base rate and keeps for themselves is entirely their own decision within their integration.

What's the difference between Yellow and Green Exchange for a partner?

Yellow fixes the rate for 10 minutes from order creation, which is useful when predictability of the amount matters for the client. Green calculates the amount at the market rate at the moment funds are credited and charges a lower base commission, which drops further as trading volume grows under the loyalty program.

Where can I find the technical documentation for endpoints and limits?

The full Trading API documentation is published at docs.yellowchanger.com, and access keys are issued from the personal cabinet on yellowchanger.com.

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