# Pablo Cash review: KYC policy, privacy and safety grades

> Pablo Cash is a swap service. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 8.9/10 for privacy (excellent) and 4.3/10 for safety (caution). In its favour: no account needed, no email needed and no phone number. To watch: it holds your funds while you use it, is closed source and has no publicly accountable operator. No incidents are on record.

Source: NoKYC Score, "Pablo Cash review", reviewed 22 Oct 2026, https://nokycscore.com/service/pablo-cash

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 0 of 4: ID never required
- **Grades:** Privacy 8.9/10, Safety 4.3/10
- **Sign-up:** No account needed
- **Custody:** custodial
- **Fees:** 0.60% + $1 per the homepage
- **Onion address:** Yes
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://pablo.cash

## What it is
Pablo Cash is a crypto-to-crypto exchange with no accounts, a Tor mirror, PGP-signed order snapshots and a site, order page and support chat that work without JavaScript. Its rules say no account or KYC is required and that the service does not screen assets under AML procedures or require such checks later. Deposits go into one pool and payouts come from a separate pre-funded pool, which it says is sourced from centralised exchanges or NEAR Intents. Exchange deposit addresses are not accepted as payout addresses. Refunds after a deposit are at the operator's discretion. No operating company is named.

## What the terms say about ID
Rules section 01: "No account or KYC is required for access. The service also does not screen assets under AML procedures or require such checks later."

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

## Questions
### Does Pablo Cash require KYC?
Pablo Cash is rated KYC level 0 of 4 on this site: ID never required. Rules section 01: "No account or KYC is required for access. The service also does not screen assets under AML procedures or require such checks later."

### Is Pablo Cash safe to use?
Pablo Cash has a Safety grade of 4.3 out of 10 and a Privacy grade of 8.9 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Pablo Cash legit?
Pablo Cash 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 4.3 out of 10, built from custody, liquidity, track record and incidents.

### Is Pablo Cash 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 Pablo Cash.

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

### What fees does Pablo Cash charge?
0.60% + $1 per the homepage. Fees were recorded from Pablo Cash's own pages and can change; check before you send.

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

### Which cryptocurrencies does Pablo Cash support?
Pablo Cash supports BTC, XMR, ETH, LTC, BNB, TRX, SOL, XRP, LINK, USDT, USDC.

### Is Pablo Cash custodial?
Yes. Pablo Cash holds funds during a trade, which means it is able to delay or freeze them.

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

## Sources
- https://pablo.cash/en/
- https://pablo.cash/en/usage-terms
- https://pablo.cash/en/faq

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