n.exchange vs xchg
It is a trade-off. n.exchange has the higher Safety grade (6.1 against 4.0), while xchg has the higher Privacy grade (7.9 against 3.1).
n.exchange
Costa Rica-registered instant swap with internal reserves and a formal CDD/EDD programme
Privacy
3.1/ 10
Poor
Safety
6.1/ 10
Fair
ID on risk flag KYC 3 Docs reviewed Full review →
xchg
Accountless swap with plain-language terms, a no-JS version and an onion site
Privacy
7.9/ 10
Strong
Safety
4.0/ 10
Caution
ID never required KYC 0 Docs reviewed Full review →
Side by side
| n.exchange | xchg | |
|---|---|---|
| Category | Instant Swaps | Instant Swaps |
| KYC policy | ID on risk flag | ID never required |
| Custody | Custodial | Custodial |
| Sign-up | No account needed | No account needed |
| Open source | No | No |
| Tor onion address | No | Yes |
| Coins | BTC, ETH, USDT, USDC, SOL, LTC, XRP, XMR, PAXG | USDT, XMR, XRP, TON |
| Pay with | Crypto, Monero | Crypto, Monero |
| Fees | Fees included in quotes; terms allow an AML/KYC compliance fee of up to 5% and up to 5% on approved refunds | Own fee 1% float / 2% fixed, plus a 2% payment-provider fee taken from the deposit and the network fee |
| Limits | Not published | Per-pair minimum shown on the form; deposits must match the order amount within 0.2% |
| Founded | 2016 | Not published |
| Jurisdiction | Costa Rica | Not published |
| Not available in | United States, United Kingdom, Iceland, Morocco, Algeria, Ecuador, Bolivia, North Macedonia, Egypt, Saudi Arabia, Iraq, Pakistan, Nepal, Bangladesh, China, Kyrgyzstan, Bahrain, Namibia, Qatar, Afghanistan, North Korea, Syria, Iran, Cuba, Belarus, Crimea, Venezuela, Russia | Not published |
| Incidents on record | 0 | 0 |
| Published tests (180 days) | 0 | 0 |
Only n.exchange
Own liquidityMay request IDExcludes US usersLegal entity disclosed5+ years operatingRuns an affiliate programme
Both
No registrationAccepts MoneroAML screeningClosed source
Only xchg
No email neededNo phone neededTor onion serviceWorks without JavaScriptRefund without IDThird-party liquidityAnonymous operator
Where they sit among instant swaps
Questions
Is n.exchange or xchg safer?
n.exchange has the higher Safety grade: n.exchange 6.1, xchg 4.0, out of 10.
Does n.exchange or xchg require KYC?
n.exchange is KYC level 3 (ID on risk flag). xchg is KYC level 0 (ID never required).
Which has more incidents on record?
n.exchange has 0 and xchg has 0 documented incidents in the registry.