directive, reports to the Estonian Financial Intelligence Unit (FIU) and Dutch regulator (AFM), and offers banking deposits and withdrawals through established E.U.

[1][5][6] Change was established in Singapore in 2016 by Kristjan Kangro, an Estonian technology entrepreneur and an investor, and Gustav Liblik.

[7][8][9][10] Change secured its first angel investor in the beginning of the same year, Roger Crook (former CEO of German delivery and express mail company DHL).

[17][18] In 2021 the company raised €3.7 crowdfunding round in 2021 that saw a buy-in from 50 private investors and Change was valued €175 million.

[20] In April 2023, Change raised €2 million from Andromeda Capital Partners Suisse.