GhostSwap
- Privacy
- 10.0
- Safety
- 8.4
- No account needed
- Accepts Monero
- Holds your funds
- Nobody accountable
Updated 22 Oct 2026
Exchanges, swaps, VPNs, hosting and cards you can use without handing over your identity. Two separate grades for each: how little it asks about you, and how likely you are to get your money out.
Popular: BTC to XMRBuy MoneroVPN with cashOnion servicesLive swap rates
Start here
Top of each list
By the numbers
71 / 102
instant swaps and aggregators reserve the right to ask for ID. Show the ones that do not
171 / 325
services accept Monero
58 / 325
publish an official Tor onion address
89 / 325
have terms that rule ID checks out completely
At least $48k in user funds is reported held and not yet returned, across the cases in the incident registry. Check a service's record before you send.
| # | Service | KYC | Privacy | Safety | Evidence |
|---|---|---|---|---|---|
| 01 | Electrum No account needed Never holds your funds Open source Wallets · Long-established open-source Bitcoin wallet with Lightning support | Never KYC 0 | 8.6 | 8.5 | Docs reviewed |
| 02 | Phoenix No account needed Never holds your funds Open source Wallets · Self-custodial mobile Lightning wallet from ACINQ with automatic channels and swaps | Never KYC 0 | 8.6 | 8.5 | Docs reviewed |
| 03 | GhostSwap Tor onion address Accepts Monero No account needed Open source Instant Swaps · Swap front-end routing orders through third-party processing partners | Never KYC 0 | 10.0 | 8.4 | Docs reviewed |
| 04 | Chainflip No account needed Never holds your funds Open source Instant Swaps · Cross-chain DEX protocol for native BTC, ETH, SOL and stablecoin swaps | Rare KYC 2 | 7.1 | 8.3 | Docs reviewed |
| 05 | Windscribe Open source VPNs · Canadian VPN with open-source apps, a free tier and crypto payment | Not mentioned KYC 1 | 6.8 | 8.1 | Docs reviewed |
| 06 | Bisq Accepts Monero No account needed Never holds your funds Open source P2P Exchanges · Open-source desktop P2P exchange for bitcoin with no registration | Never KYC 0 | 9.3 | 8.0 | Docs reviewed |
| 07 | Wasabi Wallet Tor onion address No account needed Never holds your funds Open source Wallets · Open-source desktop Bitcoin wallet that routes all traffic through Tor | Never KYC 0 | 8.9 | 8.0 | Docs reviewed |
| 08 | ZEUS No account needed Never holds your funds Open source Wallets · Open-source self-custodial Bitcoin and Lightning wallet and remote node manager | Never KYC 0 | 8.6 | 8.0 | Docs reviewed |
The map
Most directories give one score, and most of that score is about privacy. That is how a venue can show 9 out of 10 the week after it loses its users' funds. Here the two questions stay separate, so every service has a position on a map, not a number that hides the trade-off.
Incident wire
low
Outage Cake Pay
When checked on 12 October 2026 the Cake Pay website displayed a notice stating that the service was under maintenance and asking visitors to check back soon, with questions directed to the Cake Wallet support address. The notice gave no start date, cause or expected end. The date recorded here is the date of observation, not necessarily the start of the maintenance. No reports of unfulfilled orders were reviewed.
Outcome unknown Source: cakepay.com ↗
high
Shutdown LetsExchange
The LetsExchange website displays a notice stating that the service ceased its exchange operations on 1 October 2026 and that customer support remains available until 30 November 2026. The notice read during this review did not give a reason for the closure. Users with unresolved orders therefore have until the end of November 2026 to contact support. No reports of unpaid swaps tied to the closure were reviewed.
Service closed Source: letsexchange.io ↗
medium
Policy change Hodl Hodl
The directory kycnot.me records that on 18 September 2026 Hodl Hodl announced on X that it would check every bitcoin sent to its escrow system. According to that record the platform described the measure as security scoring and denied that it is an AML process, while some users reported being placed in what the service privately called an AML review. The platform's FAQ, read during this review, still describes trades as taking place without KYC or AML.
Unresolved Source: kycnot.me ↗
high
Funds held Lizex
The directory kycnot.me reports that Lizex held 18,470 USDC from 17 September 2026 after an AML flag and has held $30,000 in USDT since June 2026, about $48,000 in total. According to that account, the swap service attributed the hold to its liquidity partner, which told the user that the wallet in question was not its own. The directory flagged the listing as a scam and described the cases as ongoing.
Unresolved $48K Source: kycnot.me ↗
medium
KYC added Peach Bitcoin
According to press coverage of a company announcement dated 31 August 2026, Peach Bitcoin introduced interim rules from 1 September 2026 after it received a regulatory letter saying its compliance arrangement should be requalified. Sellers must be KYC-verified, whitelisted or have a sufficient trade record to post sell offers; purchases are capped at CHF 500 per transaction; and the platform's escrow co-signature is paused. The company described the measures as temporary while it appeals.
Outcome unknown Source: bitcoinnews.com ↗
New in the directory
For projects
Five-minute form and a tracking code for the review. Claim your page by proving you control the domain, answer incidents and reviews in public, and embed a live grade badge on your own site.
Guides
How-to · 4 min
Four ways to get a phone number that is not tied to your identity: one-off SMS numbers, rented virtual numbers, VoIP lines and data eSIMs. What each is good for, what it costs and where it fails.
Country guide · 3 min
Can you use a no-KYC crypto exchange from the United States? Who the identity rules apply to, why many services block US users, and the options that work without breaking anyone's terms.
Explainer · 3 min
An atomic swap trades one cryptocurrency for another with no exchange holding the coins. How it works, what it protects you from, what it costs, and where to do one.
KYC stands for "know your customer": the identity checks, such as a passport photo, a selfie and proof of address, that many financial services run before they let you in. A no-KYC service lets you use it without those checks. Some never ask; others skip the check until an automated risk flag, then ask. NoKYC Score grades the difference.
In most countries, yes. Holding crypto in your own wallet and using privacy tools such as VPNs and encrypted email are lawful almost everywhere. Licensing rules apply to the service provider, and they differ by country, so check the rules where you live. Nothing on this site is legal advice.
Because they answer different questions. Privacy measures how little a service learns about you. Safety measures how likely you are to get your money or service. A single blended score can show 9 out of 10 for a service that asks nothing about you and has just lost user funds. Keeping the grades apart makes that impossible.
Every listing shows its evidence level. "Docs reviewed" means editors read the terms and documentation. "Tested" means we ran real transactions and published the date, route, amount band and result on the listing. A grade without tests is labelled as documentation only.
Anyone can submit a service with a short form and follow its review with a tracking code. No payment is involved, and paying never changes a grade or a position. Projects can claim their listing by proving control of their domain, then respond publicly to incidents and reviews.
Every source of income is listed on the transparency page. Links that pay a commission are labelled where they appear. Listings, grades and positions are not for sale.