# Muun review: KYC policy, privacy and safety grades

> Muun is a wallet. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 6.8/10 for privacy (fair) and 7.5/10 for safety (strong). In its favour: accepts Lightning, never holds your funds and open source. No incidents are on record.

Source: NoKYC Score, "Muun review", reviewed 23 Oct 2026, https://nokycscore.com/service/muun-wallet

## Key facts
- **Category:** Wallets
- **KYC level:** 1 of 4: No ID mentioned
- **Grades:** Privacy 6.8/10, Safety 7.5/10
- **Custody:** non-custodial
- **Jurisdiction:** Cayman Islands
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://muun.com

## What it is
Muun is a self-custodial mobile wallet for Bitcoin and Lightning from Muun Wallet Inc., which its terms say is incorporated in the Cayman Islands. The homepage describes a 2-of-2 multisig design in which the phone holds one key and an emergency kit holds both, so neither key alone can spend; Lightning payments are made from the same on-chain balance. Security setup uses an email, password and recovery code; whether an email can be skipped was not confirmed on the pages read. The terms say Muun's software is open source and published in its repositories, and that Muun may suspend or restrict access if it believes the services are being misused. The privacy policy says the app may request personal information such as name, email or phone number and uses Firebase Analytics and crash logging.

## What the terms say about ID
Terms describe self-custodial wallet software and contain no identity verification requirement; Muun 'may suspend or restrict access if we reasonably believe the Services are being misused'.

## Features and warnings
- **Identity:** ID never required: not stated; No account needed: not stated; No email needed: not stated; No phone number: not stated
- **Payment:** Accepts Monero: not stated; Accepts Lightning: yes
- **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: yes; 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 Muun require KYC?
Muun is rated KYC level 1 of 4 on this site: no ID mentioned. Terms describe self-custodial wallet software and contain no identity verification requirement; Muun 'may suspend or restrict access if we reasonably believe the Services are being misused'.

### Is Muun safe to use?
Muun has a Safety grade of 7.5 out of 10 and a Privacy grade of 6.8 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Muun legit?
Muun is a working wallet. It publishes the company that runs it, in Cayman Islands. Being real is not the same as being safe: its Safety grade here is 7.5 out of 10, built from custody, liquidity, track record and incidents.

### Is Muun 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 Muun.

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

### Which cryptocurrencies does Muun support?
Muun supports BTC.

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

## Sources
- https://muun.com
- https://muun.com/terms_and_conditions.html
- https://muun.com/privacy_policy.html
- https://github.com/muun

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