# SWAP.MY review: KYC policy, privacy and safety grades > 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. Source: NoKYC Score, "SWAP.MY review", reviewed 22 Oct 2026, https://nokycscore.com/service/swap-my ## Key facts - **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 - **Official website:** https://swap.my ## What it 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 the terms say about ID Terms of service: "SWAP.MY does NOT collect personal identification ever." ## Features and warnings - **Identity:** ID never required: yes; No account needed: yes; No email needed: yes; No phone number: yes - **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated - **Access:** Tor onion address: yes; 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; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes ## 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. ## Sources - https://swap.my - https://swap.my/tos - https://swap.my/cards - https://swap.my/cards/terms - https://swap.my/partners How grades are calculated: https://nokycscore.com/methodology