# Intercambio review: KYC policy, privacy and safety grades

> Intercambio is an aggregator. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 5.3/10 for privacy (caution) and 3.7/10 for safety (poor). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID, passes orders to partner exchanges and has no publicly accountable operator. No incidents are on record.

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

## Key facts
- **Category:** Swap Aggregators
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 5.3/10, Safety 3.7/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Fees:** Included in displayed rate; about 0.5–2% depending on the exchange (FAQ)
- **Onion address:** Yes
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://intercambio.app

## What it is
Intercambio is a privacy-focused swap aggregator devoted mainly to Monero pairs. Its site lists the following features: no accounts, no logging of IP addresses, timestamps or user agents, no JavaScript, and Tor and I2P hidden services. Users can prioritise the best rate or restrict the search to exchanges the site classes as non-KYC. The FAQ says fees are included in the displayed rate and run at roughly 0.5% to 2% depending on the exchange, although some partners may add network fees. Swaps are executed by the selected exchange, not by Intercambio.

## What the terms say about ID
The aggregator requires no account; a filter limits results to exchanges it classes as non-KYC, otherwise partner rules apply.

## 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: yes
- **Access:** Tor onion address: yes; Works without JavaScript: yes
- **Trust:** Never holds your funds: not stated; Own liquidity: no; Refund without ID: not stated; Independent audit: not stated; Company named: no; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Screens deposits: not in terms; Passes orders to partners: yes; Holds your funds: not in terms; Email required: not in terms; Phone number required: not in terms; Nobody accountable: yes

## Questions
### Does Intercambio require KYC?
Intercambio is rated KYC level 3 of 4 on this site: ID on risk flag. The aggregator requires no account; a filter limits results to exchanges it classes as non-KYC, otherwise partner rules apply.

### Is Intercambio safe to use?
Intercambio has a Safety grade of 3.7 out of 10 and a Privacy grade of 5.3 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Intercambio legit?
Intercambio is a working aggregator. 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 3.7 out of 10, built from custody, liquidity, track record and incidents.

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

### Do I need an account or email to use Intercambio?
No account needed.

### What fees does Intercambio charge?
Included in displayed rate; about 0.5–2% depending on the exchange (FAQ). Fees were recorded from Intercambio's own pages and can change; check before you send.

### Does Intercambio have a Tor onion address?
Yes. Intercambio publishes an official onion address, shown on this page. Open it in Tor Browser.

### Which cryptocurrencies does Intercambio support?
Intercambio supports XMR, BTC, LTC, ETH, BCH.

### Is Intercambio custodial?
No. Intercambio is non-custodial: the operator does not control user funds.

### Can I use Intercambio over Tor?
Yes. Intercambio publishes an official onion address, shown on this page.

## Sources
- https://intercambio.app

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