# Narayana review: KYC policy, privacy and safety grades

> Narayana is a phone number service. Its terms put it at KYC level 2 of 4: ID in rare cases. NoKYC Score grades it 5.9/10 for privacy (fair) and 5.1/10 for safety (caution). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID. No incidents are on record.

Source: NoKYC Score, "Narayana review", reviewed 22 Oct 2026, https://nokycscore.com/service/narayana

## Key facts
- **Category:** Phone Numbers & SMS
- **KYC level:** 2 of 4: ID in rare cases
- **Grades:** Privacy 5.9/10, Safety 5.1/10
- **Sign-up:** No account needed
- **Fees:** Virtual numbers from €10/month; eSIM from €9; physical SIM €14 plus delivery
- **Limits:** Prices page says first top-up from 1 EUR, while the FAQ mentions a 51 EUR payment at registration
- **Jurisdiction:** Estonia
- **Onion address:** Yes
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://narayana.im

## What it is
Narayana is an Estonian telecom provider offering international calls over SIP, virtual numbers for inbound calls and SMS, physical SIM cards and eSIMs. Registration takes only a login and password, and the site says no email or ID is required. Accounts are denominated in EUR and topped up through Paysera (European cards and banks) or with Bitcoin, Litecoin, USDT or Monero. The public offer of Narayana OÜ says proof of identity may be requested when an account is funded by bank transfer or card, or where local rules require end-user verification for certain numbers, and that available data is handed over on a request from the Estonian police or an Estonian court order. Service is not provided in Russia, the United States, North Korea, Iran, China or annexed territories of Ukraine.

## What the terms say about ID
Public offer clause 3.2: proof of identity may be requested for bank-transfer or card funding, or where local regulation mandates end-user verification for certain numbers.

## Features and warnings
- **Identity:** ID never required: no; No account needed: yes; No email needed: yes; No phone number: yes
- **Payment:** Accepts Monero: yes; Accepts Lightning: not stated; Accepts cash: not stated
- **Access:** Tor onion address: yes; Works without JavaScript: not stated
- **Trust:** No-logs policy: not stated; Independent audit: not stated; Company named: yes; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Email required: not in terms; Phone number required: not in terms; Nobody accountable: not in terms

## Questions
### Does Narayana require KYC?
Narayana is rated KYC level 2 of 4 on this site: ID in rare cases. Public offer clause 3.2: proof of identity may be requested for bank-transfer or card funding, or where local regulation mandates end-user verification for certain numbers.

### Is Narayana safe to use?
Narayana has a Safety grade of 5.1 out of 10 and a Privacy grade of 5.9 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Narayana legit?
Narayana is a working phone number service. It publishes the company that runs it, in Estonia. Being real is not the same as being safe: its Safety grade here is 5.1 out of 10, built from custody, liquidity, track record and incidents.

### Is Narayana 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 Narayana.

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

### What fees does Narayana charge?
Virtual numbers from €10/month; eSIM from €9; physical SIM €14 plus delivery. Fees were recorded from Narayana's own pages and can change; check before you send.

### What are Narayana's limits?
Prices page says first top-up from 1 EUR, while the FAQ mentions a 51 EUR payment at registration.

### Does Narayana have a Tor onion address?
Yes. Narayana publishes an official onion address, shown on this page. Open it in Tor Browser.

### Which cryptocurrencies does Narayana support?
Narayana supports BTC, LTC, ETH, USDT, XMR, and fiat payments in EUR.

### Can I use Narayana over Tor?
Yes. Narayana publishes an official onion address, shown on this page.

## Sources
- https://narayana.im/
- https://narayana.im/about/faq
- https://narayana.im/about/prices
- https://narayana.im/contract.pdf
- https://narayana.im/auth/register

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