# Mchanger review: KYC policy, privacy and safety grades > Mchanger is a swap service operating since 2018. 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 4.0/10 for safety (caution). In its favour: no account needed, works without JavaScript and 5+ years operating. To watch: it may ask for ID, screens deposits and passes orders to partner exchanges. No incidents are on record. Source: NoKYC Score, "Mchanger review", reviewed 22 Oct 2026, https://nokycscore.com/service/mchanger ## Key facts - **Category:** Instant Swaps - **KYC level:** 3 of 4: ID on risk flag - **Grades:** Privacy 2.4/10, Safety 4.0/10 - **Sign-up:** Email required - **Custody:** custodial - **Fees:** AML refunds up to 5% (max USD 100); other refunds 5% (rules) - **Incidents on record:** 0 - **Last reviewed:** 22 Oct 2026 - **Official website:** https://mchanger.cc ## What it is Mchanger is an exchanger for crypto, e-money systems (Payeer, Volet, Capitalist), cards and cash. It runs in eight languages and has a JavaScript-free lite version and a Telegram bot. It says it uses external trading platforms and liquidity providers rather than holding its own reserves for every order. Order forms ask for an email. Its rules let it request identification when a wallet is linked to stolen coins, scams, darknet markets, mixers and similar categories. Its AML policy also describes a standard verification (ID document, proof of address and a selfie with a signed note) that unlocks "advanced functionality", plus enhanced checks with source-of-funds documents. Cash at an office or by courier needs a passport. AML refunds cost up to 5% (max USD 100). The footer dates it to 2018; no company is named. ## What the terms say about ID Rules: "The Platform has the right to request the Client's identification if the Client's wallet address ... has a connection with" listed risk entities, and may "block funds and not return to the Client until his identity is verified". The AML policy's Stage I verification, worded as applying to "standard transactions and certain banking areas", is ambiguous; FAQ says verification "is not required, except in situations defined by the manager". Cash exchanges require a passport. ## Features and warnings - **Identity:** ID never required: no; No account needed: yes; No email needed: no; No phone number: not stated - **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated - **Access:** Tor onion address: not stated; Works without JavaScript: yes - **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: yes - **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 Mchanger require KYC? Mchanger is rated KYC level 3 of 4 on this site: ID on risk flag. Rules: "The Platform has the right to request the Client's identification if the Client's wallet address ... has a connection with" listed risk entities, and may "block funds and not return to the Client until his identity is verified". The AML policy's Stage I verification, worded as applying to "standard transactions and certain banking areas", is ambiguous; FAQ says verification "is not required, except in situations defined by the manager". Cash exchanges require a passport. ### Is Mchanger safe to use? Mchanger has a Safety grade of 4.0 out of 10 and a Privacy grade of 2.4 out of 10. No incidents are on record. Evidence level: documentation reviewed. ### Is Mchanger legit? Mchanger is a working swap service that has operated since 2018. 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 4.0 out of 10, built from custody, liquidity, track record and incidents. ### Is Mchanger 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 Mchanger. Its terms also allow it to hold a flagged deposit and ask for identity documents. ### Do I need an account or email to use Mchanger? Email required. ### What fees does Mchanger charge? AML refunds up to 5% (max USD 100); other refunds 5% (rules). Fees were recorded from Mchanger's own pages and can change; check before you send. ### Does Mchanger have a Tor onion address? No official onion address was found on Mchanger's own pages. ### Which cryptocurrencies does Mchanger support? Mchanger supports BTC, USDT, ETH, LTC, TRX, SOL, TON, and fiat payments in RUB, USD. ### Is Mchanger custodial? Yes. Mchanger holds funds during a trade, which means it is able to delay or freeze them. ### Can I use Mchanger over Tor? Mchanger does not publish an official onion address. ## Sources - https://mchanger.cc/en/ - https://mchanger.cc/en/aml/ - https://mchanger.cc/en/rules/ - https://mchanger.cc/en/faq/ - https://mchanger.cc/en/about/ How grades are calculated: https://nokycscore.com/methodology