Swap front-end routing orders through third-party processing partners
Privacy 10.0
Safety 8.4
Instant Swaps Since 2024 Reviewed 22 Oct 2026
AlwaysMoney review
Order-based crypto and bank-card exchanger with BitOK risk scoring
- Accepts Monero
- No email needed
- May ask for ID
- Screens deposits
- Holds your funds
ID on risk flag KYC 3 Documentation reviewed
Privacy
2.0/ 10
Poor
Safety
3.6/ 10
Poor
Based on terms and documentation. No test transactions published yet. See the arithmetic
AlwaysMoney review in short
AlwaysMoney is a swap service operating since 2024. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 2.0/10 for privacy (poor) and 3.6/10 for safety (poor). In its favour: no email needed and accepts Monero. To watch: it may ask for ID, screens deposits and holds your funds while you use it. No incidents are on record.
- Category
- Instant Swaps
- KYC level
- 3 of 4: ID on risk flag
- Grades
- Privacy 2.0/10, Safety 3.6/10
- Sign-up
- Email optional
- Custody
- custodial
- Fees
- Refunds after a mistake or cancellation carry a 5% manual processing fee plus network fee
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "AlwaysMoney review", reviewed 22 Oct 2026, https://nokycscore.com/service/alwaysmoney
Also available as plain text.
What AlwaysMoney is
AlwaysMoney is an order-based exchanger for Bitcoin, Monero, Ethereum, stablecoins and other coins, with bank-card and bank-transfer directions in roubles, hryvnia, tenge and other currencies. Its about page says it was founded in 2024. The site rules require a valid email address for each request and oblige the customer to provide identity documents on request when fraud or money laundering is suspected. The AML/KYC policy names BitOK for risk scoring, sets risk bands under which requests can be reviewed, suspended or refused, lists KYC and source-of-funds documents including selfie and video, and says funds may be held until a review ends. It prohibits Tor, VPNs and third-party transfers where they interfere with risk assessment. No company is named.
What AlwaysMoney offers, and what to watch
2 of 15 privacy and safety features, 6 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required No
- No account needed Not stated
- No email needed Yes An email address is not required to sign up or use it.
- No phone number Not stated
Payment
- Accepts Monero Yes Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- Accepts Lightning Not stated
Access
- Tor onion address Not stated
- Works without JavaScript Not stated
Trust
- Never holds your funds No
- Own liquidity Not stated
- Refund without ID Not stated
- Open source No
- Independent audit Not stated
- Company named No
- 5+ years operating Not stated
Warnings
- May ask for ID Yes The terms reserve the right to demand identity documents, often after a risk flag.
- Screens deposits Yes Deposits are scored by blockchain analytics; a flag can freeze them.
- Passes orders to partners Not in terms
- Holds your funds Yes The operator controls user funds while they are on the platform.
- Email required Yes An email address is required to use the service.
- Phone number required Not in terms
- Closed source Yes The code is not public, so its behaviour cannot be checked.
- Nobody accountable Yes No company or person is publicly responsible for the service.
Does AlwaysMoney require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 3: ID on risk flag. The terms allow funds to be held and identity demanded after an automated risk flag.
AML/KYC policy: for high-risk (50-74) requests the service may request "KYC, SoF, proof of wallet/address ownership"; site rules 4.2 oblige customers to "Provide all documents verifying their identity upon the service’s request in cases of suspected fraud or money laundering".
How the grades add up
Both grades start at 50 points and move by fixed, published amounts. Nothing is adjusted by hand. The total is divided by ten.
Privacy
2.0- Starting points 50
- KYC level 3: ID on risk flag -14
- Accepts Monero +4
- Requires email -4
- AML screening -7
- May request ID -7
- Closed source -2
- Total, clamped to 0–100 20
Safety
3.6- Starting points 50
- AML screening -3
- May request ID -4
- Closed source -3
- Anonymous operator -4
- Total, clamped to 0–100 36
Test ledger
Real transactions run by our editors. A badge without a ledger is an assertion; this is the proof.
No test transactions published yet
The grades above rest on AlwaysMoney’s terms and documentation. Tests will appear here with the date, route, amount band and result as they are run.
Incidents on record
No incidents are on record for AlwaysMoney. If you have a documented case, report it.
User reviews
Reviews never change a grade. Reviews with a transaction reference are marked.
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AlwaysMoney: common questions
Does AlwaysMoney require KYC?
AlwaysMoney is rated KYC level 3 of 4 on this site: ID on risk flag. AML/KYC policy: for high-risk (50-74) requests the service may request "KYC, SoF, proof of wallet/address ownership"; site rules 4.2 oblige customers to "Provide all documents verifying their identity upon the service’s request in cases of suspected fraud or money laundering".
Is AlwaysMoney safe to use?
AlwaysMoney has a Safety grade of 3.6 out of 10 and a Privacy grade of 2.0 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is AlwaysMoney legit?
AlwaysMoney is a working swap service that has operated since 2024. Its operators do not publish a company or names, so nobody is publicly accountable for it. Being real is not the same as being safe: its Safety grade here is 3.6 out of 10, built from custody, liquidity, track record and incidents.
Is AlwaysMoney a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for AlwaysMoney. Its terms also allow it to hold a flagged deposit and ask for identity documents.
Do I need an account or email to use AlwaysMoney?
Email optional.
What fees does AlwaysMoney charge?
Refunds after a mistake or cancellation carry a 5% manual processing fee plus network fee. Fees were recorded from AlwaysMoney's own pages and can change; check before you send.
Does AlwaysMoney have a Tor onion address?
No official onion address was found on AlwaysMoney's own pages.
Which cryptocurrencies does AlwaysMoney support?
AlwaysMoney supports BTC, XMR, ETH, LTC, SOL, DOGE, DASH, XRP, ZEC, USDT, TRX, USDC, and fiat payments in RUB, UAH, KZT, USD, EUR, BYN, UZS, CNY.
Is AlwaysMoney custodial?
Yes. AlwaysMoney holds funds during a trade, which means it is able to delay or freeze them.
Can I use AlwaysMoney over Tor?
AlwaysMoney does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.