Swap front-end routing orders through third-party processing partners
Privacy 10.0
Safety 8.4
Instant Swaps Since 2017 Reviewed 22 Oct 2026
xchange.me review
Accountless floating-rate swap from privacy coins and BTC into 200+ assets
- No account needed
- Accepts Monero
- Tor onion address
- Screens deposits
- Passes orders to partners
- Holds your funds
No ID mentioned KYC 1 Documentation reviewed
Privacy
6.6/ 10
Fair
Safety
5.9/ 10
Fair
Based on terms and documentation. No test transactions published yet. See the arithmetic
xchange.me review in short
xchange.me is a swap service operating since 2017. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 6.6/10 for privacy (fair) and 5.9/10 for safety (fair). In its favour: no account needed, no email needed and no phone number. To watch: it screens deposits, passes orders to partner exchanges and holds your funds while you use it. No incidents are on record.
- Category
- Instant Swaps
- KYC level
- 1 of 4: No ID mentioned
- Grades
- Privacy 6.6/10, Safety 5.9/10
- Sign-up
- No account needed
- Custody
- custodial
- Fees
- Per fee table when checked: BTC 2%, XMR 1%, other deposit coins 3%
- Limits
- Per-coin minimums (e.g. 0.01 BTC, 2 XMR); no maximum stated
- Jurisdiction
- Marshall Islands
- Onion address
- Yes
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "xchange.me review", reviewed 22 Oct 2026, https://nokycscore.com/service/xchange-me
Also available as plain text.
What xchange.me is
xchange.me is an instant swap service that accepts a short list of deposit coins (including BTC, XMR, ETH, LTC, DASH, ZEC and FIRO) and pays out in more than 200 assets at floating rates, sourcing rates from other exchanges. It is operated by Pacific Ventures LTD, registered in the Marshall Islands, and says it has run since 2017. The terms say identity is not required, but deposits are scanned for AML/CFT purposes and an order can be rejected or cancelled, in which case the coins are returned to the address the user specified. Residents of Iran, North Korea, Russia and Belarus are excluded; a Tor mirror and a no-JavaScript beta site are published.
What xchange.me offers, and what to watch
8 of 15 privacy and safety features, 4 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required Not stated
- 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 Yes Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- 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 No
- Refund without ID Yes The terms commit to refunding a stopped order without identity documents.
- Open source No
- Independent audit Not stated
- Company named Yes The operating company and its jurisdiction are published.
- 5+ years operating Yes Has operated continuously for five years or more.
Warnings
- May ask for ID Not in terms
- Screens deposits Yes Deposits are scored by blockchain analytics; a flag can freeze them.
- Passes orders to partners Yes Orders go to upstream exchanges that apply their own screening.
- 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 Not in terms
Does xchange.me require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 1: No ID mentioned. No identity requirement appears anywhere in the terms or documentation.
Terms: "we don't require you to pass us your identity"; deposits are scanned for AML/CFT and a rejected order is returned to the user's address, with no clause demanding documents.
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
6.6- Starting points 50
- KYC level 1: No ID mentioned +12
- No registration +6
- Tor onion service +4
- Accepts Monero +4
- Third-party liquidity -3
- AML screening -7
- Refund without ID +2
- Closed source -2
- Total, clamped to 0–100 66
Safety
5.9- Starting points 50
- Legal entity disclosed +5
- 5+ years operating +10
- Third-party liquidity -6
- AML screening -3
- Refund without ID +6
- Closed source -3
- Total, clamped to 0–100 59
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 xchange.me’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 xchange.me. If you have a documented case, report it.
User reviews
Reviews never change a grade. Reviews with a transaction reference are marked.
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xchange.me: common questions
Does xchange.me require KYC?
xchange.me is rated KYC level 1 of 4 on this site: no ID mentioned. Terms: "we don't require you to pass us your identity"; deposits are scanned for AML/CFT and a rejected order is returned to the user's address, with no clause demanding documents.
Is xchange.me safe to use?
xchange.me has a Safety grade of 5.9 out of 10 and a Privacy grade of 6.6 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is xchange.me legit?
xchange.me is a working swap service that has operated since 2017. It publishes the company that runs it, in Marshall Islands. Being real is not the same as being safe: its Safety grade here is 5.9 out of 10, built from custody, liquidity, track record and incidents.
Is xchange.me 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 xchange.me.
Do I need an account or email to use xchange.me?
No account needed.
What fees does xchange.me charge?
Per fee table when checked: BTC 2%, XMR 1%, other deposit coins 3%. Fees were recorded from xchange.me's own pages and can change; check before you send.
What are xchange.me's limits?
Per-coin minimums (e.g. 0.01 BTC, 2 XMR); no maximum stated.
Does xchange.me have a Tor onion address?
Yes. xchange.me publishes an official onion address, shown on this page. Open it in Tor Browser.
Which cryptocurrencies does xchange.me support?
xchange.me supports BTC, XMR, ETH, LTC, DASH, ZEC, FIRO.
Is xchange.me custodial?
Yes. xchange.me holds funds during a trade, which means it is able to delay or freeze them.
Can I use xchange.me over Tor?
Yes. xchange.me 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.