Self-hosted open-source payment processor supporting 50+ coins including Monero
Privacy 9.2
Safety 7.3
Payment Gateways Reviewed 22 Oct 2026
Coinos review
Custodial web wallet and payment page for Bitcoin, Lightning and Liquid
- Accepts Lightning
- No email needed
- No phone number
- Holds your funds
No ID mentioned KYC 1 Documentation reviewed
Privacy
6.4/ 10
Fair
Safety
4.5/ 10
Caution
Based on terms and documentation. No test transactions published yet. See the arithmetic
Coinos review in short
Coinos is a payment gateway. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 6.4/10 for privacy (fair) and 4.5/10 for safety (caution). In its favour: no email needed, no phone number and accepts Lightning. To watch: it holds your funds while you use it. No incidents are on record.
- Category
- Payment Gateways
- KYC level
- 1 of 4: No ID mentioned
- Grades
- Privacy 6.4/10, Safety 4.5/10
- Sign-up
- Email optional
- Custody
- custodial
- Fees
- Receiving and internal transfers free; cross-network withdrawals 0.4% (Bitcoin) or 0.1% (Lightning or Liquid)
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "Coinos review", reviewed 22 Oct 2026, https://nokycscore.com/service/coinos
Also available as plain text.
What Coinos is
Coinos is a free web wallet and payment page aimed at merchants and individuals, with accounts created from a username and password. Funds are held by the service until the user withdraws to an external wallet. The homepage says receiving and internal transfers are free and that withdrawals on a different network than the one received on cost 0.4% for Bitcoin or 0.1% for Lightning or Liquid. The documentation says Coinos is free and open-source software with code on GitHub, but the linked GitHub pages returned a 404 error during this review, so the source was not confirmed. No terms of service page was found.
What Coinos offers, and what to watch
3 of 13 privacy and safety features, 1 warning in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required Not stated
- No account needed Not stated
- No email needed Yes An email address is not required to sign up or use it.
- No phone number Yes A phone number is never required.
Payment
- Accepts Monero Not stated
- Accepts Lightning Yes Bitcoin Lightning payments: fast, cheap and more private than on-chain.
Access
- Tor onion address Not stated
- Works without JavaScript Not stated
Trust
- Never holds your funds No
- Open source Not stated
- 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 Yes The operator controls user funds while they are on the platform.
- Email required Not in terms
- Phone number required Not in terms
- Closed source Not in terms
- Nobody accountable Not in terms
Does Coinos require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 1: No ID mentioned. No identity requirement appears anywhere in the terms or documentation.
Homepage: "A username and password is all you need to get started"; no terms page or identity requirement was found.
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
6.4- Starting points 50
- KYC level 1: No ID mentioned +12
- No email needed +3
- No phone needed +1
- Accepts Lightning +1
- Custodial -3
- Total, clamped to 0–100 64
Safety
4.5- Starting points 50
- Custodial -5
- Total, clamped to 0–100 45
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 Coinos’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 Coinos. If you have a documented case, report it.
User reviews
Reviews never change a grade. Reviews with a transaction reference are marked.
No reviews yet.
Write a review
Create an account to write a review. It takes ten seconds and needs no email: you get a random key and a random name. Already have a key? Sign in.
Alternatives to Coinos
All alternatives → 
Self-hosted backend service for receiving and tracking Monero payments
Privacy 9.2
Safety 7.3
Self-hosted open-source crypto payment gateway with no transaction fees
Privacy 8.8
Safety 7.3
Open-source app for creating crypto payment requests and watching them arrive
Privacy 9.0
Safety 7.0
Coinos vs BitcartCoinos vs MoneroPayCoinos vs SHKeeperCoinos vs Bitrequest
Coinos: common questions
Does Coinos require KYC?
Coinos is rated KYC level 1 of 4 on this site: no ID mentioned. Homepage: "A username and password is all you need to get started"; no terms page or identity requirement was found.
Is Coinos safe to use?
Coinos has a Safety grade of 4.5 out of 10 and a Privacy grade of 6.4 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is Coinos legit?
Coinos is a working payment gateway. Being real is not the same as being safe: its Safety grade here is 4.5 out of 10, built from custody, liquidity, track record and incidents.
Is Coinos 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 Coinos.
Do I need an account or email to use Coinos?
Email optional.
What fees does Coinos charge?
Receiving and internal transfers free; cross-network withdrawals 0.4% (Bitcoin) or 0.1% (Lightning or Liquid). Fees were recorded from Coinos's own pages and can change; check before you send.
Does Coinos have a Tor onion address?
No official onion address was found on Coinos's own pages.
Which cryptocurrencies does Coinos support?
Coinos supports BTC, L-BTC.
Is Coinos custodial?
Yes. Coinos holds funds during a trade, which means it is able to delay or freeze them.
Can I use Coinos over Tor?
Coinos does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.