# MoBit Exchange review: KYC policy, privacy and safety grades > MoBit Exchange is a swap service. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 7.9/10 for privacy (strong) and 5.0/10 for safety (caution). In its favour: no account needed, no email needed and no phone number. To watch: it holds your funds while you use it, is closed source and has no publicly accountable operator. No incidents are on record. Source: NoKYC Score, "MoBit Exchange review", reviewed 23 Oct 2026, https://nokycscore.com/service/mobit-exchange ## Key facts - **Category:** Instant Swaps - **KYC level:** 1 of 4: No ID mentioned - **Grades:** Privacy 7.9/10, Safety 5.0/10 - **Sign-up:** No account needed - **Custody:** custodial - **Fees:** 3% flat (fixed) rate or 2.5% dynamic rate, per the homepage - **Limits:** Minimum around 0.0006 BTC; FAQ cites orders of $100,000 as supported - **Onion address:** Yes - **Incidents on record:** 0 - **Last reviewed:** 23 Oct 2026 - **Official website:** https://mobit.exchange ## What it is MoBit is a small instant exchange for Bitcoin, Monero, Ethereum and ERC-20 USDT, USDC and DAI, with a Tor onion mirror, a Telegram bot and a homepage that shows its current reserves in each coin. The homepage advertises no KYC, no JavaScript and no logs; the FAQ says it does not require KYC and that order data (addresses and transaction hashes) is deleted after 15 days. Flat-rate orders cost 3% and dynamic-rate orders 2.5%. The terms let MoBit block or end access for any reason and bar US residents and sanctioned countries; they contain no identity-document clause. Refunds can be requested from the queue page with a refund address, within 15 days. Funds pass through MoBit's wallets during a swap, even though the FAQ calls it non-custodial. ## What the terms say about ID FAQ: "MoBit does not require any KYC"; the terms (last updated 11 August 2026) contain no identity-document requirement. ## Features and warnings - **Identity:** ID never required: not stated; No account needed: yes; No email needed: yes; No phone number: yes - **Payment:** Accepts Monero: yes; Accepts Lightning: not stated - **Access:** Tor onion address: yes; Works without JavaScript: yes - **Trust:** Never holds your funds: no; Own liquidity: yes; Refund without ID: yes; Open source: no; Independent audit: not stated; Company named: no; 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: yes; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes ## Questions ### Does MoBit Exchange require KYC? MoBit Exchange is rated KYC level 1 of 4 on this site: no ID mentioned. FAQ: "MoBit does not require any KYC"; the terms (last updated 11 August 2026) contain no identity-document requirement. ### Is MoBit Exchange safe to use? MoBit Exchange has a Safety grade of 5.0 out of 10 and a Privacy grade of 7.9 out of 10. No incidents are on record. Evidence level: documentation reviewed. ### Is MoBit Exchange legit? MoBit Exchange is a working swap service. 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 5.0 out of 10, built from custody, liquidity, track record and incidents. ### Is MoBit Exchange 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 MoBit Exchange. ### Do I need an account or email to use MoBit Exchange? No account needed. ### What fees does MoBit Exchange charge? 3% flat (fixed) rate or 2.5% dynamic rate, per the homepage. Fees were recorded from MoBit Exchange's own pages and can change; check before you send. ### What are MoBit Exchange's limits? Minimum around 0.0006 BTC; FAQ cites orders of $100,000 as supported. ### Does MoBit Exchange have a Tor onion address? Yes. MoBit Exchange publishes an official onion address, shown on this page. Open it in Tor Browser. ### Which cryptocurrencies does MoBit Exchange support? MoBit Exchange supports BTC, XMR, ETH, USDT, USDC, DAI. ### Is MoBit Exchange custodial? Yes. MoBit Exchange holds funds during a trade, which means it is able to delay or freeze them. ### Can I use MoBit Exchange over Tor? Yes. MoBit Exchange publishes an official onion address, shown on this page. ## Sources - https://mobit.exchange - https://mobit.exchange/faq - https://mobit.exchange/terms-of-service - https://mobit.exchange/privacy-policy How grades are calculated: https://nokycscore.com/methodology