# RubyCash review: KYC policy, privacy and safety grades

> RubyCash is a swap service. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 2.0/10 for privacy (poor) and 3.6/10 for safety (poor). In its favour: no email needed and accepts Monero. To watch: it may ask for ID, screens deposits and holds your funds while you use it. No incidents are on record.

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

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 2.0/10, Safety 3.6/10
- **Sign-up:** Email optional
- **Custody:** custodial
- **Fees:** Refunds after a mistake or cancellation carry a 5% handling fee plus network fee
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://rubycash.org

## What it is
RubyCash is an order-based exchanger for Bitcoin, Monero, Ethereum, stablecoins and other coins. Its site rules require a valid email address for each application and oblige customers to provide identity documents on request when fraud or money laundering is suspected. The AML/KYC policy refuses transactions with a risk level of 50% or more in listed categories (including mixing services and darknet markets), says funds are held until verification ends when blocked for high risk, lists passport, selfie and video verification among possible requests, and prohibits creating applications over Tor, VPNs or proxies. Refunds after a cancellation carry a 5% handling fee. No company is named.

## What the terms say about ID
AML/KYC policy 4.1: the service "may require the User to provide reliable, independent source documents ... for verification and to confirm the sources of funds"; 4.4: blocked funds "will be held until verification or investigation is completed".

## Features and warnings
- **Identity:** ID never required: no; No account needed: not stated; No email needed: yes; No phone number: not stated
- **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: 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: yes; Screens deposits: yes; Passes orders to partners: not in terms; Holds your funds: yes; Email required: yes; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes

## Questions
### Does RubyCash require KYC?
RubyCash is rated KYC level 3 of 4 on this site: ID on risk flag. AML/KYC policy 4.1: the service "may require the User to provide reliable, independent source documents ... for verification and to confirm the sources of funds"; 4.4: blocked funds "will be held until verification or investigation is completed".

### Is RubyCash safe to use?
RubyCash has a Safety grade of 3.6 out of 10 and a Privacy grade of 2.0 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is RubyCash legit?
RubyCash 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 3.6 out of 10, built from custody, liquidity, track record and incidents.

### Is RubyCash 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 RubyCash. Its terms also allow it to hold a flagged deposit and ask for identity documents.

### Do I need an account or email to use RubyCash?
Email optional.

### What fees does RubyCash charge?
Refunds after a mistake or cancellation carry a 5% handling fee plus network fee. Fees were recorded from RubyCash's own pages and can change; check before you send.

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

### Which cryptocurrencies does RubyCash support?
RubyCash supports BTC, ETH, USDT, DASH, XMR, TON, ZEC, LTC, XLM, ARB.

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

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

## Sources
- https://rubycash.org
- https://rubycash.org/tos/
- https://rubycash.org/aml/
- https://rubycash.org/about/

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