# Coinfinity review: KYC policy, privacy and safety grades

> Coinfinity is an on-ramp. Its terms put it at KYC level 4 of 4: ID mandatory. NoKYC Score grades it 1.1/10 for privacy (poor) and 5.1/10 for safety (caution). In its favour: accepts Lightning and company named. To watch: it may ask for ID and requires an email address. No incidents are on record.

Source: NoKYC Score, "Coinfinity review", reviewed 23 Oct 2026, https://nokycscore.com/service/coinfinity

## Key facts
- **Category:** On-Ramps
- **KYC level:** 4 of 4: ID mandatory
- **Grades:** Privacy 1.1/10, Safety 5.1/10
- **Sign-up:** Email required
- **Custody:** mixed
- **Jurisdiction:** Austria
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://coinfinity.co

## What it is
Coinfinity GmbH of Graz, Austria, is a Bitcoin-focused broker offering one-off and recurring purchases by bank transfer or SEPA Instant through its app and web portal, an integrated wallet, Lightning purchases and services for businesses and large clients. The site says it is regulated in Europe and links to an announcement of its MiCA licence. Its general terms (AGB) say registration requires the user to disclose personal data, complete a questionnaire about transaction behaviour and verify their identity with proof of identity, and list deposits without requested proof of the origin of funds, deposits outside trading limits and expired identity documents as reasons an order can be refused. The homepage describes the integrated wallet as in-app custody; whether purchases can be sent to an external wallet was not confirmed on the pages read. Its Bitcoinbon voucher site is geo-blocked outside Austria, so voucher terms were not read.

## What the terms say about ID
AGB 3.1: registration requires the user to disclose personal data, fill in a questionnaire on transaction behaviour and 'sich mit einem Nachweis seiner Identität verifiziert' (verify with proof of identity).

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

## Questions
### Does Coinfinity require KYC?
Coinfinity is rated KYC level 4 of 4 on this site: ID mandatory. AGB 3.1: registration requires the user to disclose personal data, fill in a questionnaire on transaction behaviour and 'sich mit einem Nachweis seiner Identität verifiziert' (verify with proof of identity).

### Is Coinfinity safe to use?
Coinfinity has a Safety grade of 5.1 out of 10 and a Privacy grade of 1.1 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Coinfinity legit?
Coinfinity is a working on-ramp. It publishes the company that runs it, in Austria. Being real is not the same as being safe: its Safety grade here is 5.1 out of 10, built from custody, liquidity, track record and incidents.

### Is Coinfinity 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 Coinfinity. Its terms also allow it to hold a flagged deposit and ask for identity documents.

### Do I need an account or email to use Coinfinity?
Email required.

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

### Which cryptocurrencies does Coinfinity support?
Coinfinity supports BTC, and fiat payments in EUR.

### Is Coinfinity custodial?
Coinfinity uses a mixed custody model. Read the listing for details.

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

## Sources
- https://coinfinity.co
- https://coinfinity.co/agb
- https://bitcoinbon.at

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