# SwapZilla review: KYC policy, privacy and safety grades

> SwapZilla is an aggregator. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 3.1/10 for privacy (poor) and 3.0/10 for safety (poor). 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. No incidents are on record.

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

## Key facts
- **Category:** Swap Aggregators
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 3.1/10, Safety 3.0/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Fees:** No fee added on top of the provider's rate per FAQ
- **Onion address:** Yes
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://swapzilla.io

## What it is
SwapZilla is a rate aggregator that routes swaps to independent providers, with no sign-up and no fee added on top of the provider's rate. It also offers a Private Swap mode that chains two providers through Monero and a Pay feature for merchant payment links. Its terms say SwapZilla never holds user funds and is not a party to any swap. Its AML policy says KYC/AML screening is performed by the providers, which may request additional information from the user or refuse a swap and return the funds, and that Private Swap can attract stricter source-of-funds requests. No operating company is named; a Tor mirror is published.

## What the terms say about ID
AML policy: if a provider flags a transaction as high-risk it may "request additional information from the User (KYC)" or refuse the swap and return funds.

## 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: yes; Works without JavaScript: not stated
- **Trust:** Never holds your funds: not stated; Own liquidity: no; Refund without ID: not stated; Independent audit: not stated; Company named: no; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Screens deposits: yes; Passes orders to partners: yes; Holds your funds: not in terms; Email required: not in terms; Phone number required: not in terms; Nobody accountable: yes

## Questions
### Does SwapZilla require KYC?
SwapZilla is rated KYC level 3 of 4 on this site: ID on risk flag. AML policy: if a provider flags a transaction as high-risk it may "request additional information from the User (KYC)" or refuse the swap and return funds.

### Is SwapZilla safe to use?
SwapZilla has a Safety grade of 3.0 out of 10 and a Privacy grade of 3.1 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is SwapZilla legit?
SwapZilla is a working aggregator. 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 3.0 out of 10, built from custody, liquidity, track record and incidents.

### Is SwapZilla 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 SwapZilla. Its terms also allow it to hold a flagged deposit and ask for identity documents.

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

### What fees does SwapZilla charge?
No fee added on top of the provider's rate per FAQ. Fees were recorded from SwapZilla's own pages and can change; check before you send.

### Does SwapZilla have a Tor onion address?
Yes. SwapZilla publishes an official onion address, shown on this page. Open it in Tor Browser.

### Which cryptocurrencies does SwapZilla support?
SwapZilla supports BTC, XMR, ETH, LTC, USDT, USDC, SOL, TRX.

### Is SwapZilla custodial?
No. SwapZilla is non-custodial: the operator does not control user funds.

### Can I use SwapZilla over Tor?
Yes. SwapZilla publishes an official onion address, shown on this page.

## Sources
- https://swapzilla.io
- https://swapzilla.io/terms-of-service/
- https://swapzilla.io/aml-policy/
- https://swapzilla.io/privacy-policy/
- https://swapzilla.io/faq/
- https://swapzilla.io/about/
- https://swapzilla.io/providers/

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