# Cryptomus review: KYC policy, privacy and safety grades > Cryptomus is a payment gateway. Its terms put it at KYC level 4 of 4: ID mandatory. NoKYC Score grades it 0.0/10 for privacy (poor) and 3.5/10 for safety (poor). 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, "Cryptomus review", reviewed 23 Oct 2026, https://nokycscore.com/service/cryptomus ## Key facts - **Category:** Payment Gateways - **KYC level:** 4 of 4: ID mandatory - **Grades:** Privacy 0.0/10, Safety 3.5/10 - **Custody:** custodial - **Fees:** Payment gateway: 2% per transaction for new users, from 0.4% on request - **Incidents on record:** 0 - **Last reviewed:** 23 Oct 2026 - **Official website:** https://cryptomus.com ## What it is Cryptomus is a custodial crypto payment gateway, wallet and exchange used by online merchants, with payment fees from 0.4% (2% for new users), auto-conversion and payouts. Its terms say users must register and complete identification and verification (KYC/AML) to gain full access, that virtual cards require KYC, and that assets can be frozen and accounts blocked for violations. Its AML policy describes government ID checks, enhanced due diligence, and blockchain analytics with source-of-funds requests on flagged transactions. The terms exclude citizens and residents of the United States. The terms refer only to "Cryptomus" and the laws of the country where the company is registered, without naming the legal entity. ## What the terms say about ID Terms 9.1: "To gain full access to the Services, the User must register an Account and complete identification and verification procedures (KYC/AML)". ## Features and warnings - **Identity:** ID never required: no; No account needed: not stated; No email needed: not stated; No phone number: not stated - **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated - **Access:** Tor onion address: not stated; Works without JavaScript: not stated - **Trust:** Never holds your funds: no; Open source: no; Independent audit: not stated; Company named: not stated; 5+ years operating: not stated - **Warnings:** May ask for ID: yes; Screens deposits: yes; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: not in terms ## Questions ### Does Cryptomus require KYC? Cryptomus is rated KYC level 4 of 4 on this site: ID mandatory. Terms 9.1: "To gain full access to the Services, the User must register an Account and complete identification and verification procedures (KYC/AML)". ### Is Cryptomus safe to use? Cryptomus has a Safety grade of 3.5 out of 10 and a Privacy grade of 0.0 out of 10. No incidents are on record. Evidence level: documentation reviewed. ### Is Cryptomus legit? Cryptomus is a working payment gateway. Being real is not the same as being safe: its Safety grade here is 3.5 out of 10, built from custody, liquidity, track record and incidents. ### Is Cryptomus 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 Cryptomus. Its terms also allow it to hold a flagged deposit and ask for identity documents. ### What fees does Cryptomus charge? Payment gateway: 2% per transaction for new users, from 0.4% on request. Fees were recorded from Cryptomus's own pages and can change; check before you send. ### Does Cryptomus have a Tor onion address? No official onion address was found on Cryptomus's own pages. ### Which cryptocurrencies does Cryptomus support? Cryptomus supports BTC, ETH, USDT, and fiat payments in USD. ### Is Cryptomus custodial? Yes. Cryptomus holds funds during a trade, which means it is able to delay or freeze them. ### Can I use Cryptomus over Tor? Cryptomus does not publish an official onion address. ## Sources - https://cryptomus.com/ - https://cryptomus.com/tos - https://cryptomus.com/aml - https://cryptomus.com/fees/payment How grades are calculated: https://nokycscore.com/methodology