# Atomic Wallet review: KYC policy, privacy and safety grades

> Atomic Wallet is a wallet. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 7.4/10 for privacy (strong) and 5.3/10 for safety (caution). In its favour: no account needed, no email needed and no phone number. To watch: it is closed source. No incidents are on record.

Source: NoKYC Score, "Atomic Wallet review", reviewed 23 Oct 2026, https://nokycscore.com/service/atomic-wallet

## Key facts
- **Category:** Wallets
- **KYC level:** 1 of 4: No ID mentioned
- **Grades:** Privacy 7.4/10, Safety 5.3/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Jurisdiction:** Panama (governing law)
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://atomicwallet.io

## What it is
Atomic Wallet is a multi-coin wallet for desktop and mobile that supports Bitcoin, Monero, Ethereum and many other assets, with built-in exchange and purchase features. Its terms say the user is solely in control of their private keys and that Atomic does not store private keys, backup phrases or passwords; no account is required. Its AML/KYC policy says Atomic does not collect personal information about people downloading and using the wallet, but that third-party providers used for purchases and swaps may require identity documents and card verification. The terms are governed by the law of Panama, name no registered company, and prohibit reverse engineering of the software; no source code for the wallet apps was found in its GitHub account, which hosts forks of libraries. At the time of this review the site said the iOS app was temporarily unavailable on the App Store.

## What the terms say about ID
AML/KYC policy: 'We are not required and we do not collect any personal information about the identities of the people that are downloading and using the Atomic Wallet software'; third-party purchase and swap providers 'might' require an ID document.

## Features and warnings
- **Identity:** ID never required: not stated; No account needed: yes; No email needed: yes; No phone number: yes
- **Payment:** Accepts Monero: yes; Accepts Lightning: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: yes; Open source: no; Independent audit: not stated; Company named: not stated; 5+ years operating: not stated
- **Warnings:** May ask for ID: not in terms; Screens deposits: not in terms; Holds your funds: not in terms; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: not in terms

## Questions
### Does Atomic Wallet require KYC?
Atomic Wallet is rated KYC level 1 of 4 on this site: no ID mentioned. AML/KYC policy: 'We are not required and we do not collect any personal information about the identities of the people that are downloading and using the Atomic Wallet software'; third-party purchase and swap providers 'might' require an ID document.

### Is Atomic Wallet safe to use?
Atomic Wallet has a Safety grade of 5.3 out of 10 and a Privacy grade of 7.4 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Atomic Wallet legit?
Atomic Wallet is a working wallet. Being real is not the same as being safe: its Safety grade here is 5.3 out of 10, built from custody, liquidity, track record and incidents.

### Is Atomic Wallet 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 Atomic Wallet.

### Do I need an account or email to use Atomic Wallet?
No account needed.

### Does Atomic Wallet have a Tor onion address?
No official onion address was found on Atomic Wallet's own pages.

### Which cryptocurrencies does Atomic Wallet support?
Atomic Wallet supports BTC, XMR, ETH, SOL, USDT, LTC, DOGE, TRX, ZEC.

### Can I use Atomic Wallet over Tor?
Atomic Wallet does not publish an official onion address.

## Sources
- https://atomicwallet.io/terms-of-service
- https://atomicwallet.io/aml-kyc-policy
- https://github.com/Atomicwallet

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