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Instant Swaps Reviewed 22 Oct 2026

SWAP.MY review

Instant crypto swap and Telegram bot that also sells prepaid virtual cards

  • No account needed
  • Tor onion address
  • No email needed
  • Holds your funds
  • Closed source
  • Nobody accountable
ID never required KYC 0 Documentation reviewed
Visit swap.my Onion address Report an incident Watch

Privacy

8.3/ 10

Strong

Safety

4.3/ 10

Caution

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

SWAP.MY review in short

SWAP.MY is a swap service. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 8.3/10 for privacy (strong) 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.

Category
Instant Swaps
KYC level
0 of 4: ID never required
Grades
Privacy 8.3/10, Safety 4.3/10
Sign-up
No account needed
Custody
custodial
Fees
Swap fees shown before confirmation; cards: $15 issuance, 4% top-up, 1.5% per purchase
Limits
Cards: up to $10,000 per top-up per card terms; swap limits vary by pair
Onion address
Yes
Incidents on record
0
Last reviewed
22 Oct 2026
Cite this review

NoKYC Score, "SWAP.MY review", reviewed 22 Oct 2026, https://nokycscore.com/service/swap-my

Also available as plain text.

What SWAP.MY is

SWAP.MY offers instant crypto swaps through a website, a Telegram bot and a Tor mirror, plus prepaid virtual cards issued through a card partner and funded with crypto. Its short terms of service state that it does not collect personal identification, ever, and call the service non-custodial; swaps still work by sending a deposit to an address the service provides. Swaps need no account, while cards and the partner programme use an account-number login. The terms do not say where liquidity comes from, name an operator or state a jurisdiction; the card terms list a $15 issuance fee, a 4% top-up fee and a $10,000 limit per top-up.

What SWAP.MY offers, and what to watch

5 of 15 privacy and safety features, 3 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 Not stated
  • Accepts Lightning Not stated

Access

  • Tor onion address Yes An official .onion address, reachable only through Tor.
  • 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 Not in terms
  • Screens deposits Not in terms
  • Passes orders to partners Not in terms
  • Holds your funds Yes The operator controls user funds while they are on the platform.
  • Email required Not in terms
  • Phone number required Not in terms
  • Closed source Yes The code is not public, so its behaviour cannot be checked.
  • Nobody accountable Yes No company or person is publicly responsible for the service.

Does SWAP.MY 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.

Terms of service: "SWAP.MY does NOT collect personal identification ever."

Read the terms we assessed ↗

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

8.3
  • Starting points 50
  • KYC level 0: ID never required +20
  • No registration +6
  • Account-number login +5
  • Tor onion service +4
  • Closed source -2
  • Total, clamped to 0–100 83

Safety

4.3
  • Starting points 50
  • Closed source -3
  • Anonymous operator -4
  • Total, clamped to 0–100 43

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 SWAP.MY’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 SWAP.MY. 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

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Alternatives to SWAP.MY

All alternatives →

GhostSwap

Swap front-end routing orders through third-party processing partners

Privacy 10.0
Safety 8.4
Never KYC 0 Docs reviewed

Chainflip

Cross-chain DEX protocol for native BTC, ETH, SOL and stablecoin swaps

Privacy 7.1
Safety 8.3
Rare KYC 2 Docs reviewed

Swap Market

Open-source front end for atomic swaps between Bitcoin, Lightning, Liquid and Rootstock

Privacy 9.3
Safety 7.3
Never KYC 0 Docs reviewed

eigenwallet

Desktop wallet for peer-to-peer BTC-to-XMR atomic swaps, formerly UnstoppableSwap

Privacy 8.9
Safety 7.0
Never KYC 0 Docs reviewed

SWAP.MY vs GhostSwapSWAP.MY vs ChainflipSWAP.MY vs Swap MarketSWAP.MY vs eigenwallet

SWAP.MY: common questions

Does SWAP.MY require KYC?

SWAP.MY is rated KYC level 0 of 4 on this site: ID never required. Terms of service: "SWAP.MY does NOT collect personal identification ever."

Is SWAP.MY safe to use?

SWAP.MY has a Safety grade of 4.3 out of 10 and a Privacy grade of 8.3 out of 10. No incidents are on record. Evidence level: documentation reviewed.

Is SWAP.MY legit?

SWAP.MY 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 SWAP.MY 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 SWAP.MY.

Do I need an account or email to use SWAP.MY?

No account needed.

What fees does SWAP.MY charge?

Swap fees shown before confirmation; cards: $15 issuance, 4% top-up, 1.5% per purchase. Fees were recorded from SWAP.MY's own pages and can change; check before you send.

What are SWAP.MY's limits?

Cards: up to $10,000 per top-up per card terms; swap limits vary by pair.

Does SWAP.MY have a Tor onion address?

Yes. SWAP.MY publishes an official onion address, shown on this page. Open it in Tor Browser.

Which cryptocurrencies does SWAP.MY support?

SWAP.MY supports BTC, ETH, SOL, USDT, USDC.

Is SWAP.MY custodial?

Yes. SWAP.MY holds funds during a trade, which means it is able to delay or freeze them.

Can I use SWAP.MY over Tor?

Yes. SWAP.MY publishes an official onion address, shown on this page.

Listing history

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