両替
りょうがえ · ryougae · JLPT N3 · noun
change
💱 両替 = both (両) + swap (替): two currencies trade places
両 means both or a pair, and 替 means to replace or swap, as in 着替え (changing clothes). Swapping one kind of money for another is 両替, whether at a bank counter or breaking a big note into coins.
替 — two 夫 (man) over 曰 (say)
Originally written with two 立 (stand) over 白, depicting two people side by side, suggesting replacement or alternation. The form evolved to two 夫 over 曰. The core meaning shifted from 'decline/abolish' to 'replace, substitute for'.