Usually TRC20 (TRON) — a low, stable network fee. BEP20 (BNB Smart Chain) is also cheap. ERC20 (Ethereum) is pricier and its fee depends on network load. The sender's and recipient's network must match.

On TRC20 a transfer usually arrives within 1–5 minutes after confirmations. Speed depends on the network and its load, and on how many confirmations the recipient or exchanger requires.

Reserve is how much currency an exchanger has available for a given direction right now. If the reserve is smaller than your amount, the exchange won't go through or will take time. Check reserve together with the rate and rating.

An exchanger completes the operation at a fixed rate and reserve — fast and without placing orders. An exchange is a trading venue with an order book where buyers and sellers set the price. For a one-off swap people usually pick an exchanger.

Look not only at the top rate but also at the exchanger's reserve, rating and reviews, plus limits and the network fee. A rate that's too good can mean a small reserve or hidden terms. The BestChange monitor helps compare.

An AML check assesses an address or transaction for links to fraud, darknet and sanctions. It's done before receiving or exchanging a large amount to reduce the risk of getting 'dirty' coins and frozen funds.

Risk is lower if you pick an exchanger with a high rating, history and sufficient reserve from a monitor, and do an address AML check for crypto. No one guarantees anything — you decide to exchange on your own.

SBP is Russia's Faster Payments System: instant transfers between banks by phone number. Many exchangers pay out rubles via SBP — fast and convenient; mind your bank's limits.