Swap front-end routing orders through third-party processing partners
Privacy 10.0
Safety 8.4
Instant Swaps Reviewed 22 Oct 2026
Ninja.Exchange review
Account-free instant exchange routing trades to large centralised exchanges
- No account needed
- Accepts Monero
- Refund without ID
- May ask for ID
- Passes orders to partners
- Holds your funds
ID on risk flag KYC 3 Documentation reviewed
Privacy
3.6/ 10
Poor
Safety
3.9/ 10
Poor
Based on terms and documentation. No test transactions published yet. See the arithmetic
Ninja.Exchange review in short
Ninja.Exchange is a swap service. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 3.6/10 for privacy (poor) and 3.9/10 for safety (poor). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID, passes orders to partner exchanges and holds your funds while you use it. No incidents are on record.
- Category
- Instant Swaps
- KYC level
- 3 of 4: ID on risk flag
- Grades
- Privacy 3.6/10, Safety 3.9/10
- Sign-up
- No account needed
- Custody
- custodial
- Limits
- FAQ: minimums of about $80 to $120 depending on the coin; no stated maximum
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "Ninja.Exchange review", reviewed 22 Oct 2026, https://nokycscore.com/service/ninja-exchange
Also available as plain text.
What Ninja.Exchange is
Ninja.Exchange is an instant exchange for 170+ coins that needs no registration. Its FAQ says it is integrated with Binance, Bitfinex, HTX, OKX and KuCoin, and that some pairs run through partner services that may apply their own KYC. Its KYC/AML policy reserves the right to request ID, bank statements and source-of-funds documents, and screens customers against sanctions lists. Section 1.9 says a customer who refuses has the deposit refunded to the sending address within 24 hours minus network fees, after which the address may be blacklisted. The terms of use also contain a generic account clause requiring identity verification for registered accounts, ban VPN use and users in the US and UK, and are governed by Seychelles law. No operating company is named; an outsourced compliance officer is.
What Ninja.Exchange offers, and what to watch
5 of 15 privacy and safety features, 5 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required No
- No account needed Yes Usable without creating an account, or the account is only a random number.
- No email needed Yes An email address is not required to sign up or use it.
- No phone number Yes A phone number is never required.
Payment
- Accepts Monero Yes Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- Accepts Lightning Not stated
Access
- Tor onion address Not stated
- Works without JavaScript Not stated
Trust
- Never holds your funds No
- Own liquidity No
- Refund without ID Yes The terms commit to refunding a stopped order without identity documents.
- Open source No
- Independent audit Not stated
- Company named No
- 5+ years operating Not stated
Warnings
- May ask for ID Yes The terms reserve the right to demand identity documents, often after a risk flag.
- Screens deposits Not in terms
- Passes orders to partners Yes Orders go to upstream exchanges that apply their own screening.
- Holds your funds Yes The operator controls user funds while they are on the platform.
- Email required Not in terms
- Phone number required Not in terms
- Closed source Yes The code is not public, so its behaviour cannot be checked.
- Nobody accountable Yes No company or person is publicly responsible for the service.
Does Ninja.Exchange require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 3: ID on risk flag. The terms allow funds to be held and identity demanded after an automated risk flag.
KYC/AML policy sections 1-2: the company may request ID and source-of-funds documents on suspicious transactions; section 1.9 refunds a user who refuses. The terms also describe identity checks for registered accounts.
How the grades add up
Both grades start at 50 points and move by fixed, published amounts. Nothing is adjusted by hand. The total is divided by ten.
Privacy
3.6- Starting points 50
- KYC level 3: ID on risk flag -14
- No registration +6
- Accepts Monero +4
- Third-party liquidity -3
- May request ID -7
- Refund without ID +2
- Closed source -2
- Total, clamped to 0–100 36
Safety
3.9- Starting points 50
- Third-party liquidity -6
- May request ID -4
- Refund without ID +6
- Closed source -3
- Anonymous operator -4
- Total, clamped to 0–100 39
Test ledger
Real transactions run by our editors. A badge without a ledger is an assertion; this is the proof.
No test transactions published yet
The grades above rest on Ninja.Exchange’s terms and documentation. Tests will appear here with the date, route, amount band and result as they are run.
Incidents on record
No incidents are on record for Ninja.Exchange. If you have a documented case, report it.
User reviews
Reviews never change a grade. Reviews with a transaction reference are marked.
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Ninja.Exchange: common questions
Does Ninja.Exchange require KYC?
Ninja.Exchange is rated KYC level 3 of 4 on this site: ID on risk flag. KYC/AML policy sections 1-2: the company may request ID and source-of-funds documents on suspicious transactions; section 1.9 refunds a user who refuses. The terms also describe identity checks for registered accounts.
Is Ninja.Exchange safe to use?
Ninja.Exchange has a Safety grade of 3.9 out of 10 and a Privacy grade of 3.6 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is Ninja.Exchange legit?
Ninja.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 3.9 out of 10, built from custody, liquidity, track record and incidents.
Is Ninja.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 Ninja.Exchange. Its terms also allow it to hold a flagged deposit and ask for identity documents.
Do I need an account or email to use Ninja.Exchange?
No account needed.
What are Ninja.Exchange's limits?
FAQ: minimums of about $80 to $120 depending on the coin; no stated maximum.
Does Ninja.Exchange have a Tor onion address?
No official onion address was found on Ninja.Exchange's own pages.
Which cryptocurrencies does Ninja.Exchange support?
Ninja.Exchange supports BTC, ETH, XMR, LTC, ZEC, MATIC.
Is Ninja.Exchange custodial?
Yes. Ninja.Exchange holds funds during a trade, which means it is able to delay or freeze them.
Can I use Ninja.Exchange over Tor?
Ninja.Exchange does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.