# Maya Protocol review: KYC policy, privacy and safety grades

> Maya Protocol is a swap service. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 8.5/10 for privacy (excellent) and 7.0/10 for safety (strong). In its favour: no account needed, no email needed and no phone number. No incidents are on record.

Source: NoKYC Score, "Maya Protocol review", reviewed 23 Oct 2026, https://nokycscore.com/service/maya-protocol

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 0 of 4: ID never required
- **Grades:** Privacy 8.5/10, Safety 7.0/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Fees:** Fixed outbound fee plus a dynamic liquidity (slip-based) fee, per the docs
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://www.mayaprotocol.com

## What it is
Maya Protocol runs MAYAChain, a friendly fork of THORChain: an automated market maker that swaps native assets across chains using on-chain vaults secured by threshold signatures, without wrapped tokens. Users swap through third-party front ends and wallets such as THORSwap, ShapeShift, Rango, El Dorito, CacaoSwap and Vultisig, or directly with transaction memos. Its live pools include BTC, ETH, ZEC, DASH, ADA, ARB and RUNE, paired against the CACAO token; Zcash was integrated in 2024. Fees are a fixed outbound fee plus a dynamic liquidity fee that rises with the swap's size relative to pool depth. The node code is public under the MIT licence.

## What the terms say about ID
Swaps are executed by the MAYAChain protocol itself; there is no account or operator that collects identity documents. Front ends that route to Maya have their own terms.

## Features and warnings
- **Identity:** ID never required: yes; No account needed: yes; No email needed: yes; No phone number: yes
- **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: yes; Own liquidity: not stated; Refund without ID: not stated; Open source: yes; Independent audit: not stated; Company named: not stated; 5+ years operating: not stated
- **Warnings:** May ask for ID: not in terms; Screens deposits: not in terms; Passes orders to partners: not in terms; Holds your funds: not in terms; Email required: not in terms; Phone number required: not in terms; Closed source: not in terms; Nobody accountable: not in terms

## Questions
### Does Maya Protocol require KYC?
Maya Protocol is rated KYC level 0 of 4 on this site: ID never required. Swaps are executed by the MAYAChain protocol itself; there is no account or operator that collects identity documents. Front ends that route to Maya have their own terms.

### Is Maya Protocol safe to use?
Maya Protocol has a Safety grade of 7.0 out of 10 and a Privacy grade of 8.5 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Maya Protocol legit?
Maya Protocol is a working swap service. Being real is not the same as being safe: its Safety grade here is 7.0 out of 10, built from custody, liquidity, track record and incidents.

### Is Maya Protocol 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 Maya Protocol.

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

### What fees does Maya Protocol charge?
Fixed outbound fee plus a dynamic liquidity (slip-based) fee, per the docs. Fees were recorded from Maya Protocol's own pages and can change; check before you send.

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

### Which cryptocurrencies does Maya Protocol support?
Maya Protocol supports BTC, ETH, ZEC, DASH, ADA, RUNE, CACAO, ARB.

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

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

## Sources
- https://www.mayaprotocol.com
- https://docs.mayaprotocol.com/introduction/readme
- https://docs.mayaprotocol.com/deep-dive/how-it-works/fees
- https://www.mayaprotocol.com/blog-maya-academy/zcash-integrates-maya
- https://mayanode.mayachain.info/mayachain/pools
- https://gitlab.com/mayachain/mayanode

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