# CoinPayMaster review: KYC policy, privacy and safety grades

> CoinPayMaster is a swap service. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 1.9/10 for privacy (poor) and 3.0/10 for safety (poor). In its favour: no account needed and accepts Monero. To watch: it may ask for ID, screens deposits and passes orders to partner exchanges. No incidents are on record.

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

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 1.9/10, Safety 3.0/10
- **Sign-up:** Email required
- **Custody:** custodial
- **Limits:** Example ruble direction: 30,000-1,000,000 RUB (homepage form)
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://coinpaymaster.com

## What it is
CoinPayMaster is a Russian-language exchanger for crypto, Russian bank transfers, cards and cash. The order form asks for an email, and refund or change requests must come from that address. Its AML/KYC policy says customers agree to identity verification by using the service, with SumSub as the KYC provider. Every address is screened with BitOK and Coinkyt, and verification and source-of-funds proof may be required when an address is linked to listed risk categories. The rules also allow funds to be frozen until verification when payment comes from other details or from third parties. Its rules mention a "liquidity exchange" whose withdrawal fee is passed on in refunds. No operating company is named.

## What the terms say about ID
AML policy: "Пользуясь услугами Сервиса, Клиент соглашается на прохождение верификации личности" (by using the service the client agrees to identity verification); verification may be requested if an address is linked to risk categories, and funds may be frozen until verification.

## Features and warnings
- **Identity:** ID never required: no; No account needed: yes; No email needed: no; 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: no; 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: yes; Holds your funds: yes; Email required: yes; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes

## Questions
### Does CoinPayMaster require KYC?
CoinPayMaster is rated KYC level 3 of 4 on this site: ID on risk flag. AML policy: "Пользуясь услугами Сервиса, Клиент соглашается на прохождение верификации личности" (by using the service the client agrees to identity verification); verification may be requested if an address is linked to risk categories, and funds may be frozen until verification.

### Is CoinPayMaster safe to use?
CoinPayMaster has a Safety grade of 3.0 out of 10 and a Privacy grade of 1.9 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is CoinPayMaster legit?
CoinPayMaster is a working swap service. 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 3.0 out of 10, built from custody, liquidity, track record and incidents.

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

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

### What are CoinPayMaster's limits?
Example ruble direction: 30,000-1,000,000 RUB (homepage form).

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

### Which cryptocurrencies does CoinPayMaster support?
CoinPayMaster supports BTC, ETH, USDT, XMR, LTC, TRX, SOL, DOGE, and fiat payments in RUB.

### Is CoinPayMaster custodial?
Yes. CoinPayMaster holds funds during a trade, which means it is able to delay or freeze them.

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

## Sources
- https://coinpaymaster.com
- https://coinpaymaster.com/Home/AML
- https://coinpaymaster.com/Home/Rules

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