# Swapuz review: KYC policy, privacy and safety grades

> Swapuz is a swap service operating since 2020. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 3.4/10 for privacy (poor) and 4.7/10 for safety (caution). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID, screens deposits and passes orders to partner exchanges. One incident is on record, the latest from 2 Jul 2026.

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

## Key facts
- **Category:** Instant Swaps
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 3.4/10, Safety 4.7/10
- **Sign-up:** No account needed
- **Custody:** custodial
- **Fees:** An undisclosed fee on "high-risk" transfers was reported in July 2026
- **Incidents on record:** 1
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://swapuz.com

## What it is
Swapuz is an instant swap service online since 2020 that offers fixed and floating rates and promotes itself as a no-KYC exchange. Its footer nevertheless links to a separate AML/KYC policy alongside the terms of use, which indicates that checks can be applied to some transactions. Swaps can be created without an account, and an optional sign-in exists. The operating entity is not named on the pages read during this review.

## What the terms say about ID
An AML/KYC policy is published and a fee on transfers classed as high-risk was reported in July 2026.

## Features and warnings
- **Identity:** ID never required: no; 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: no; Own liquidity: no; Refund without ID: not stated; Open source: no; Independent audit: not stated; Company named: not stated; 5+ years operating: yes
- **Warnings:** May ask for ID: yes; Screens deposits: yes; Passes orders to partners: yes; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: not in terms

## Incidents on record
- 2 Jul 2026: Reported undisclosed fee on transfers classed as high-risk (outcome: resolved paid). Source: https://kycnot.me/events

## Questions
### Does Swapuz require KYC?
Swapuz is rated KYC level 3 of 4 on this site: ID on risk flag. An AML/KYC policy is published and a fee on transfers classed as high-risk was reported in July 2026.

### Is Swapuz safe to use?
Swapuz has a Safety grade of 4.7 out of 10 and a Privacy grade of 3.4 out of 10. There is 1 incident on record, listed with sources on this page. Evidence level: documentation reviewed.

### Is Swapuz legit?
Swapuz is a working swap service that has operated since 2020. Being real is not the same as being safe: its Safety grade here is 4.7 out of 10, built from custody, liquidity, track record and incidents.

### Is Swapuz a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. Swapuz has 1 incident on record, all resolved, the latest: "Reported undisclosed fee on transfers classed as high-risk". Each is listed on this page with its source. Its terms also allow it to hold a flagged deposit and ask for identity documents.

### Do I need an account or email to use Swapuz?
No account needed.

### What fees does Swapuz charge?
An undisclosed fee on "high-risk" transfers was reported in July 2026. Fees were recorded from Swapuz's own pages and can change; check before you send.

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

### Which cryptocurrencies does Swapuz support?
Swapuz supports BTC, ETH, XMR, USDT, LTC.

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

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

## Sources
- https://swapuz.com
- https://kycnot.me/events

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