# AlwaysMoney review: KYC policy, privacy and safety grades

> 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.

Source: NoKYC Score, "AlwaysMoney review", reviewed 22 Oct 2026, https://nokycscore.com/service/alwaysmoney

## Key facts
- **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
- **Official website:** https://alwaysmoney.org

## What it 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 the terms say about ID
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".

## Features and warnings
- **Identity:** ID never required: no; No account needed: not stated; No email needed: yes; No phone number: not stated
- **Payment:** Accepts Monero: yes; 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; Screens deposits: yes; Passes orders to partners: not in terms; Holds your funds: yes; Email required: yes; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes

## 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.

## Sources
- https://alwaysmoney.org
- https://alwaysmoney.org/en/tos/
- https://alwaysmoney.org/aml/
- https://alwaysmoney.org/about-us/

How grades are calculated: https://nokycscore.com/methodology