# Monfluo review: KYC policy, privacy and safety grades

> Monfluo is a wallet. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 8.9/10 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, "Monfluo review", reviewed 22 Oct 2026, https://nokycscore.com/service/monfluo

## Key facts
- **Category:** Wallets
- **KYC level:** 0 of 4: ID never required
- **Grades:** Privacy 8.9/10, Safety 7.0/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Jurisdiction:** Decentralised / none
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://codeberg.org/Monfluo/monfluo-android

## What it is
Monfluo is an Android wallet for Monero only. Its README calls it a pure Monero wallet suitable for both newcomers and experienced users, and explains that it is a fork of Mysu, previously known as MyNero, which was itself a fork of Monerujo. The app is distributed as APK files from the project's releases page, with separate builds for different processor architectures plus a universal build, and through the project's own F-Droid repositories. The source is hosted on Codeberg and the repository carries GPL-3.0 licence files. It is self-custody software with no accounts and no operator-side service, so nothing about the user is collected to start using it.

## What the terms say about ID
Self-custodial open-source Android app with no accounts or operator-side service that could collect identity.

## Features and warnings
- **Identity:** ID never required: yes; 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: 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; 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 Monfluo require KYC?
Monfluo is rated KYC level 0 of 4 on this site: ID never required. Self-custodial open-source Android app with no accounts or operator-side service that could collect identity.

### Is Monfluo safe to use?
Monfluo has a Safety grade of 7.0 out of 10 and a Privacy grade of 8.9 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Monfluo legit?
Monfluo is a working wallet. 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 Monfluo 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 Monfluo.

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

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

### Which cryptocurrencies does Monfluo support?
Monfluo supports XMR.

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

## Sources
- https://codeberg.org/Monfluo/monfluo-android

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