# Expeer review: KYC policy, privacy and safety grades

> Expeer is a swap service. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 2.4/10 for privacy (poor) and 3.0/10 for safety (poor). In its favour: no account needed, accepts Monero and accepts Lightning. To watch: it may ask for ID, screens deposits and passes orders to partner exchanges. No incidents are on record.

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

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 2.4/10, Safety 3.0/10
- **Sign-up:** Email required
- **Custody:** custodial
- **Fees:** Fee included in the quoted rate; underpayment refunds 0.2%-2%; AML-hold returns up to 5% capped at USD 100
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://expeer.io

## What it is
Expeer is a crypto-to-crypto swap service listing about 160 assets on 82 networks, including XMR and BTC over Lightning. No account is needed, but every order needs an email address. Its AML/KYC policy publishes the risk-score bands used by its exchange provider's screening: 0-39% is processed normally; 40-69% is held for manual review and basic ID may be requested; 70-84% requires ID and a source-of-funds explanation; and 85% or more is rejected and returned. Verification may also be asked for at any score. Returns after an AML hold cost up to 5% (capped at USD 100). No operating company or jurisdiction is named. It runs an affiliate programme.

## What the terms say about ID
AML/KYC policy: score 40-69% "Held for manual review; basic identity verification may be requested"; 70-84% "verification and a source-of-funds explanation are required before we proceed"; verification may be requested "at any score".

## 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: yes
- **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 Expeer require KYC?
Expeer is rated KYC level 3 of 4 on this site: ID on risk flag. AML/KYC policy: score 40-69% "Held for manual review; basic identity verification may be requested"; 70-84% "verification and a source-of-funds explanation are required before we proceed"; verification may be requested "at any score".

### Is Expeer safe to use?
Expeer has a Safety grade of 3.0 out of 10 and a Privacy grade of 2.4 out of 10. No incidents are on record. Evidence level: documentation reviewed.

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

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

### What fees does Expeer charge?
Fee included in the quoted rate; underpayment refunds 0.2%-2%; AML-hold returns up to 5% capped at USD 100. Fees were recorded from Expeer's own pages and can change; check before you send.

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

### Which cryptocurrencies does Expeer support?
Expeer supports BTC, ETH, USDT, USDC, XMR, LTC, TRX, SOL, BNB, DOGE.

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

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

## Sources
- https://expeer.io
- https://expeer.io/aml
- https://expeer.io/terms
- https://expeer.io/about
- https://expeer.io/faq

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