Service overview
Electrum
electrum.org
Long-established open-source Bitcoin wallet with Lightning support
Non-custodialNo registration
Privacy 8.6/10
Safety 8.5/10
Read the evidence
Guarda review
Closed-source multi-chain wallet with Monero support whose terms reserve the right to verify users
Privacy score
3.7/ 10
PoorHow much you reveal
See the score breakdown Safety score
5.4/ 10
CautionHow well you’re protected
See the score breakdown Identity policy
3/ 4 KYC level
ID on risk flag Read the policy Evidence
Documentation reviewed Grades based on published terms and documentation.
0 published tests Two grades. Different questions.Understand the methodology
The overview
The essentials, at a glance.
Guarda is a wallet operating since 2017. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 3.7/10 for privacy (poor) and 5.4/10 for safety (caution). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID and is closed source. No incidents are on record.
What stands out
- Never holds your funds
The operator never controls user funds, so it cannot freeze them.
- No account needed
Usable without creating an account, or the account is only a random number.
- Accepts Monero
Monero hides sender, receiver and amount, so the payment cannot be traced to you.
Before you use it
- May ask for ID
The terms reserve the right to demand identity documents, often after a risk flag.
- Closed source
The code is not public, so its behaviour cannot be checked.
No test transactions published yet.
About Guarda
Guarda is a multi-chain wallet available for desktop, mobile, the web and as a Chrome extension; the site says it has operated since 2017 and supports Monero among more than 70 blockchains. The homepage says a wallet can be created without registration, and that purchases and swaps are powered by ChangeNOW, Guardarian and Simplex. The terms say the wallet is non-custodial and that the company does not store private keys, backup phrases or passwords, but also that the company 'has the right to require information which helps us to identify and verify you', that some services may need an account, and that use may be barred in any jurisdiction the company chooses. The terms name GUARDACO LDA (Portugal) and Guardium LTD (British Virgin Islands) as providers and are governed by British Virgin Islands law. The terms grant only a licence and forbid modifying the software; its GitHub organisation publishes desktop release binaries but not the wallet source.
Cite this review or read as plain text
NoKYC Score, "Guarda review", reviewed 23 Oct 2026, https://nokycscore.com/service/guarda-wallet
Open plain-text review ↗The feature review
Privacy, without the guesswork.
7 / 13 features confirmed2 warnings in the recorded terms
Identity
3 / 4 confirmed
- ID never requiredNo
The terms rule identity checks out, or the design makes them impossible.
- No account neededYes
Usable without creating an account, or the account is only a random number.
- No email neededYes
An email address is not required to sign up or use it.
- No phone numberYes
A phone number is never required.
Payment
1 / 2 confirmed
- Accepts MoneroYes
Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- Accepts LightningNot stated
Bitcoin Lightning payments: fast, cheap and more private than on-chain.
Access
0 / 2 confirmed
- Tor onion addressNot stated
An official .onion address, reachable only through Tor.
- Works without JavaScriptNot stated
Core functions work with scripts disabled, as in Tor Browser on its safest setting.
Trust
3 / 5 confirmed
- Never holds your fundsYes
The operator never controls user funds, so it cannot freeze them.
- Open sourceNo
The code that matters is public and can be inspected.
- Independent auditNot stated
A third party audited the code or the no-logs claim, and the report is public.
- Company namedYes
The operating company and its jurisdiction are published.
- 5+ years operatingYes
Has operated continuously for five years or more.
Warnings
2 flagged
- May ask for IDYes
The terms reserve the right to demand identity documents, often after a risk flag.
- Screens depositsNot in terms
Deposits are scored by blockchain analytics; a flag can freeze them.
- Holds your fundsNot in terms
The operator controls user funds while they are on the platform.
- Email requiredNot in terms
An email address is required to use the service.
- Phone number requiredNot in terms
A phone number is required to use the service.
- Closed sourceYes
The code is not public, so its behaviour cannot be checked.
- Nobody accountableNot in terms
No company or person is publicly responsible for the service.
“Not stated” means the service’s own pages do not say. Expand a group to see every check.
Identity requirements
Does Guarda require KYC?
Level 3 of 4
ID on risk flag
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
Not for standard use, but Guarda's terms let it hold funds and ask for ID or proof of source of funds after a risk flag, or above a usage limit. Checked against its own terms.
- No account needed
- Email may be asked
- Phone may be asked
- ID possible after a flag
KYC level 3: ID on risk flag. The terms allow funds to be held and identity demanded after an automated risk flag.
Terms section 5: 'Company has the right to require information which helps us to identify and verify you.'
Transparent by design
Every point, explained.
Both grades start at 50 points and move by fixed, published amounts. Nothing is adjusted by hand. The total is divided by ten.
Privacy
3.7/ 10
- Starting points 50
- KYC level 3: ID on risk flag -14
- No registration +6
- Accepts Monero +4
- Non-custodial +3
- Closed source -2
- Third-party liquidity -3
- May request ID -7
- Total, clamped to 0–100 37
Safety
5.4/ 10
- Starting points 50
- Non-custodial +12
- Closed source -3
- Third-party liquidity -6
- May request ID -4
- Legal entity disclosed +5
- Total, clamped to 0–100 54
Evidence, not promises
Test ledger 0
Published test transactions, with the route, amount and outcome available to inspect.
No test transactions published yet
The grades above rest on Guarda’s terms and documentation. Tests will appear here with the date, route, amount band and result as they are run.
The track record
Incidents 0
No incidents on record
We have no documented cases for Guarda. An empty record does not guarantee a service is risk-free.
Community experience
What users are saying 0
Reviews never change a grade. Reviews with a transaction reference are marked.
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Alternatives to Guarda
All alternatives → Service overview
Phoenix
phoenix.acinq.co
Self-custodial mobile Lightning wallet from ACINQ with automatic channels and swaps
Non-custodialNo registration
Privacy 8.6/10
Safety 8.5/10
Read the evidence
Service overview
Wasabi Wallet
wasabiwallet.io
Open-source desktop Bitcoin wallet that routes all traffic through Tor
Non-custodialNo registration
Privacy 8.9/10
Safety 8.0/10
Read the evidence
Service overview
ZEUS
zeusln.com
Open-source self-custodial Bitcoin and Lightning wallet and remote node manager
Non-custodialNo registration
Privacy 8.6/10
Safety 8.0/10
Read the evidence
Guarda vs ElectrumGuarda vs PhoenixGuarda vs Wasabi WalletGuarda vs ZEUS
Guarda: common questions
Does Guarda require KYC?
Guarda is rated KYC level 3 of 4 on this site: ID on risk flag. Terms section 5: 'Company has the right to require information which helps us to identify and verify you.'
Is Guarda safe to use?
Guarda has a Safety grade of 5.4 out of 10 and a Privacy grade of 3.7 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is Guarda legit?
Guarda is a working wallet that has operated since 2017. It publishes the company that runs it, in British Virgin Islands / Portugal. Being real is not the same as being safe: its Safety grade here is 5.4 out of 10, built from custody, liquidity, track record and incidents.
Is Guarda 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 Guarda. Its terms also allow it to hold a flagged deposit and ask for identity documents.
Do I need an account or email to use Guarda?
No account needed.
Does Guarda have a Tor onion address?
No official onion address was found on Guarda's own pages.
Which cryptocurrencies does Guarda support?
Guarda supports BTC, XMR, ETH, SOL, USDT, TON.
Can I use Guarda over Tor?
Guarda does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.