Peer vs RetoSwap
It is a trade-off. Peer has the higher Safety grade (7.0 against 2.7), while RetoSwap has the higher Privacy grade (8.9 against 7.3).
Peer
P2P fiat on/off-ramp settling through smart-contract escrow and payment-app proofs
Privacy
7.3/ 10
Strong
Safety
7.0/ 10
Strong
No ID mentioned KYC 1 Docs reviewed Full review →
RetoSwap
Largest Haveno-based Monero P2P network; exploited twice in mid-2026
Privacy
8.9/ 10
Excellent
Safety
2.7/ 10
Poor
ID never required KYC 0 Docs reviewed Full review →
Side by side
| Peer | RetoSwap | |
|---|---|---|
| Category | P2P Exchanges | P2P Exchanges |
| KYC policy | No ID mentioned | ID never required |
| Custody | Non Custodial | Non Custodial |
| Sign-up | No account needed | No account needed |
| Open source | Yes | Yes |
| Tor onion address | No | No |
| Coins | USDC, ETH, SOL, BTC, USDT | XMR, BTC, ETH, USDT |
| Pay with | PayPal, Bank transfer | Monero, Crypto, Bank transfer, Cash |
| Fees | Up to 0.95% taker service fee; up to 0.5% bridge fee when bridging to another chain | 0.1% maker; 0.8% crypto taker; 2% fiat taker |
| Limits | Order sizes depend on each seller's configured range and available liquidity | Not published |
| Founded | Not published | 2024 |
| Jurisdiction | United States (terms governed by California law) | Decentralised / none |
| Not available in | Sanctioned persons and jurisdictions are excluded by the terms | Not published |
| Incidents on record | 0 | 2 |
| Published tests (180 days) | 0 | 0 |
Only Peer
Nothing distinct
Both
Non-custodialOpen sourceNo registration
Only RetoSwap
No email neededNo phone neededAccepts MoneroAnonymous operator
Where they sit among p2p exchanges
Questions
Is Peer or RetoSwap safer?
Peer has the higher Safety grade: Peer 7.0, RetoSwap 2.7, out of 10.
Does Peer or RetoSwap require KYC?
Peer is KYC level 1 (no ID mentioned). RetoSwap is KYC level 0 (ID never required).
Which has more incidents on record?
Peer has 0 and RetoSwap has 2 documented incidents in the registry.