# Peach Bitcoin review: KYC policy, privacy and safety grades

> Peach Bitcoin is a P2P exchange operating since 2022. Its terms put it at KYC level 2 of 4: ID in rare cases. NoKYC Score grades it 6.5/10 for privacy (fair) and 6.3/10 for safety (fair). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID. One incident is on record, the latest from 1 Sep 2026.

Source: NoKYC Score, "Peach Bitcoin review", reviewed 22 Oct 2026, https://nokycscore.com/service/peach-bitcoin

## Key facts
- **Category:** P2P Exchanges
- **KYC level:** 2 of 4: ID in rare cases
- **Grades:** Privacy 6.5/10, Safety 6.3/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Fees:** 2% fee on released trades, per press coverage
- **Limits:** Purchases capped at CHF 500 per transaction under interim rules from 1 September 2026
- **Jurisdiction:** Switzerland
- **Incidents on record:** 1
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://peachbitcoin.com

## What it is
Peach Bitcoin is a mobile peer-to-peer bitcoin marketplace run by a Swiss company, operating since 2022 with an open-source app. Its site advertises trading with no registration and no verification where local law permits, and says it does not market to EU or EEA users. Following a Swiss regulatory review, interim rules took effect on 1 September 2026: according to press coverage of the company's announcement, only sellers who are KYC-verified, whitelisted or have a sufficient trade record may post sell offers, purchases are capped at CHF 500 per transaction, and the platform's co-signed escrow is paused while the review continues.

## What the terms say about ID
Buying needs no ID where local law permits; since 1 September 2026 sellers need KYC, whitelisting or an established trade record.

## Features and warnings
- **Identity:** ID never required: no; No account needed: yes; No email needed: yes; No phone number: yes
- **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated; Accepts cash: yes
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: yes; Refund without ID: not stated; Escrow it cannot spend alone: not stated; Open source: yes; Independent audit: not stated; Company named: yes; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; 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

## Incidents on record
- 1 Sep 2026: Interim rules restrict sell offers to verified, whitelisted or established sellers (outcome: unknown). Source: https://bitcoinnews.com/p/peach-bitcoin-kyc-free-trade-new-regulatory-hurdles

## Questions
### Does Peach Bitcoin require KYC?
Peach Bitcoin is rated KYC level 2 of 4 on this site: ID in rare cases. Buying needs no ID where local law permits; since 1 September 2026 sellers need KYC, whitelisting or an established trade record.

### Is Peach Bitcoin safe to use?
Peach Bitcoin has a Safety grade of 6.3 out of 10 and a Privacy grade of 6.5 out of 10. There is 1 incident on record, listed with sources on this page. Evidence level: documentation reviewed.

### Is Peach Bitcoin legit?
Peach Bitcoin is a working P2P exchange that has operated since 2022. It publishes the company that runs it, in Switzerland. Being real is not the same as being safe: its Safety grade here is 6.3 out of 10, built from custody, liquidity, track record and incidents.

### Is Peach Bitcoin a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. Peach Bitcoin has 1 incident on record, 1 not resolved, the latest: "Interim rules restrict sell offers to verified, whitelisted or established sellers". Each is listed on this page with its source.

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

### What fees does Peach Bitcoin charge?
2% fee on released trades, per press coverage. Fees were recorded from Peach Bitcoin's own pages and can change; check before you send.

### What are Peach Bitcoin's limits?
Purchases capped at CHF 500 per transaction under interim rules from 1 September 2026.

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

### Which cryptocurrencies does Peach Bitcoin support?
Peach Bitcoin supports BTC, and fiat payments in CHF, EUR.

### Is Peach Bitcoin custodial?
No. Peach Bitcoin is non-custodial: the operator does not control user funds.

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

## Sources
- https://peachbitcoin.com
- https://bitcoinnews.com/p/peach-bitcoin-kyc-free-trade-new-regulatory-hurdles
- https://github.com/Peach2Peach/peach-app

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