# xchange.me review: KYC policy, privacy and safety grades

> 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.

Source: NoKYC Score, "xchange.me review", reviewed 22 Oct 2026, https://nokycscore.com/service/xchange-me

## Key facts
- **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
- **Official website:** https://xchange.me

## What it 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 the terms say about ID
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.

## Features and warnings
- **Identity:** ID never required: not stated; 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: no; Own liquidity: no; Refund without ID: yes; Open source: no; Independent audit: not stated; Company named: yes; 5+ years operating: yes
- **Warnings:** May ask for ID: not in terms; 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

## 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.

## Sources
- https://xchange.me
- https://xchange.me/terms-of-service
- https://xchange.me/privacy-policy
- https://xchange.me/faq
- https://xchange.me/fees
- https://xchange.me/how-it-works
- https://xchange.me/news.txt

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