# Ninja.Exchange review: KYC policy, privacy and safety grades

> 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.

Source: NoKYC Score, "Ninja.Exchange review", reviewed 22 Oct 2026, https://nokycscore.com/service/ninja-exchange

## Key facts
- **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
- **Official website:** https://ninja.exchange

## What it 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 the terms say about ID
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.

## 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
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Own liquidity: no; Refund without ID: yes; Open source: no; Independent audit: not stated; Company named: no; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Screens deposits: not in terms; Passes orders to partners: yes; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes

## 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.

## Sources
- https://ninja.exchange
- https://ninja.exchange/tos/
- https://ninja.exchange/kyc-aml/
- https://ninja.exchange/faqs/
- https://ninja.exchange/coins/

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