# Guarda review: KYC policy, privacy and safety grades

> 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.

Source: NoKYC Score, "Guarda review", reviewed 23 Oct 2026, https://nokycscore.com/service/guarda-wallet

## Key facts
- **Category:** Wallets
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 3.7/10, Safety 5.4/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Jurisdiction:** British Virgin Islands / Portugal
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://guarda.com

## What it is
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.

## What the terms say about ID
Terms section 5: 'Company has the right to require information which helps us to identify and verify you.'

## Features and warnings
- **Identity:** ID never required: no; No account needed: yes; No email needed: yes; No phone number: yes
- **Payment:** Accepts Monero: yes; Accepts Lightning: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: yes; Open source: no; Independent audit: not stated; Company named: yes; 5+ years operating: yes
- **Warnings:** May ask for ID: yes; Screens deposits: not in terms; Holds your funds: not in terms; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: not in terms

## 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.

## Sources
- https://guarda.com
- https://guarda.com/terms-of-service/
- https://github.com/guardaco

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