# Stack Wallet review: KYC policy, privacy and safety grades

> 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.

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

## Key facts
- **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
- **Official website:** https://stackwallet.com

## What it 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 the terms say about ID
Self-custodial wallet software with no accounts; built-in swaps are handled by third-party exchange partners with their own terms.

## 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: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: yes; Open source: yes; Independent audit: not stated; Company named: yes; 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

## 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.

## Sources
- https://stackwallet.com/
- https://github.com/cypherstack/stack_wallet

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