Skip to content
NoKYC Score
DirectoryExchangesSwapsBuyRatesIncidentsGuides List a project Sign in

Wallets Reviewed 22 Oct 2026

Stack Wallet review

Open-source, non-custodial multi-coin wallet with Monero, for mobile and desktop

  • No account needed
  • Accepts Monero
  • Never holds your funds
  • Open source
  • No email needed
  • Company named
ID never required KYC 0 Documentation reviewed
Visit stackwallet.com Report an incident Watch

Privacy

8.6/ 10

Excellent

Safety

6.9/ 10

Fair

Based on terms and documentation. No test transactions published yet. See the arithmetic

Stack Wallet review in short

Stack Wallet is a wallet. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 8.6/10 for privacy (excellent) and 6.9/10 for safety (fair). In its favour: no account needed, no email needed and no phone number. No incidents are on record.

Category
Wallets
KYC level
0 of 4: ID never required
Grades
Privacy 8.6/10, Safety 6.9/10
Sign-up
No account needed
Custody
non-custodial
Incidents on record
0
Last reviewed
22 Oct 2026
Cite this review

NoKYC Score, "Stack Wallet review", reviewed 22 Oct 2026, https://nokycscore.com/service/stack-wallet

Also available as plain text.

What Stack Wallet is

Stack Wallet describes itself as an open-source, non-custodial, privacy-preserving cryptocurrency wallet. It supports Monero alongside Bitcoin, Bitcoin Cash, Litecoin, Dogecoin, Firo, Epic Cash, Namecoin and Wownero, and is available for iOS, Android (through Google Play, F-Droid or a direct APK), Windows, macOS and Linux. The site says the wallet keeps all private keys in the user's hands. In-app exchanges are provided by third-party partners rather than by the wallet's developer, and the site does not say whether those partners ask for identification. The code is published on GitHub under the Cypher Stack organisation, and the copyright line names Stack Wallet LLC. As a self-custody app it has no user accounts.

What Stack Wallet offers, and what to watch

8 of 13 privacy and safety features, 0 warnings in its terms.

"Not stated" means its own pages do not say.

Identity

  • ID never required Yes The terms rule identity checks out, or the design makes them impossible.
  • 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 Yes The operator never controls user funds, so it cannot freeze them.
  • Open source Yes The code that matters is public and can be inspected.
  • Independent audit Not stated
  • Company named Yes The operating company and its jurisdiction are published.
  • 5+ years operating Not stated

Warnings

  • May ask for ID Not in terms
  • 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

Does Stack Wallet require KYC?

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4

KYC level 0: ID never required. The terms rule out identity checks, or the design makes them impossible.

Self-custodial wallet software with no accounts; built-in swaps are handled by third-party exchange partners with their own terms.

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

8.6
  • Starting points 50
  • KYC level 0: ID never required +20
  • No registration +6
  • No email needed +3
  • No phone needed +1
  • Accepts Monero +4
  • Open source +2
  • Non-custodial +3
  • Third-party liquidity -3
  • Total, clamped to 0–100 86

Safety

6.9
  • Starting points 50
  • Open source +8
  • Non-custodial +12
  • Third-party liquidity -6
  • Legal entity disclosed +5
  • Total, clamped to 0–100 69

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 Stack Wallet’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 Stack Wallet. If you have a documented case, report it.

User reviews

Reviews never change a grade. Reviews with a transaction reference are marked.

No reviews yet.

Write a review

Create an account to write a review. It takes ten seconds and needs no email: you get a random key and a random name. Already have a key? Sign in.

Alternatives to Stack Wallet

All alternatives →

Electrum

Long-established open-source Bitcoin wallet with Lightning support

Privacy 8.6
Safety 8.5
Never KYC 0 Docs reviewed

Phoenix

Self-custodial mobile Lightning wallet from ACINQ with automatic channels and swaps

Privacy 8.6
Safety 8.5
Never KYC 0 Docs reviewed

Wasabi Wallet

Open-source desktop Bitcoin wallet that routes all traffic through Tor

Privacy 8.9
Safety 8.0
Never KYC 0 Docs reviewed

ZEUS

Open-source self-custodial Bitcoin and Lightning wallet and remote node manager

Privacy 8.6
Safety 8.0
Never KYC 0 Docs reviewed

Stack Wallet vs ElectrumStack Wallet vs PhoenixStack Wallet vs Wasabi WalletStack Wallet vs ZEUS

Stack Wallet: common questions

Does Stack Wallet require KYC?

Stack Wallet is rated KYC level 0 of 4 on this site: ID never required. Self-custodial wallet software with no accounts; built-in swaps are handled by third-party exchange partners with their own terms.

Is Stack Wallet safe to use?

Stack Wallet has a Safety grade of 6.9 out of 10 and a Privacy grade of 8.6 out of 10. No incidents are on record. Evidence level: documentation reviewed.

Is Stack Wallet legit?

Stack Wallet is a working wallet. It publishes the company that runs it. Being real is not the same as being safe: its Safety grade here is 6.9 out of 10, built from custody, liquidity, track record and incidents.

Is Stack Wallet 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 Stack Wallet.

Do I need an account or email to use Stack Wallet?

No account needed.

Does Stack Wallet have a Tor onion address?

No official onion address was found on Stack Wallet's own pages.

Which cryptocurrencies does Stack Wallet support?

Stack Wallet supports XMR, BTC, BCH, LTC, DOGE, FIRO, EPIC, NMC, WOW.

Can I use Stack Wallet over Tor?

Stack Wallet does not publish an official onion address.

Listing history

  • Listing added. Facts and KYC level set from the service's own terms and documentation.