Swap front-end routing orders through third-party processing partners
Privacy 10.0
Safety 8.4
Instant Swaps Reviewed 22 Oct 2026
xchg review
Accountless swap with plain-language terms, a no-JS version and an onion site
- No account needed
- Accepts Monero
- Tor onion address
- Screens deposits
- Passes orders to partners
- Holds your funds
ID never required KYC 0 Documentation reviewed
Privacy
7.9/ 10
Strong
Safety
4.0/ 10
Caution
Based on terms and documentation. No test transactions published yet. See the arithmetic
xchg review in short
xchg is a swap service. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 7.9/10 for privacy (strong) and 4.0/10 for safety (caution). 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
- 0 of 4: ID never required
- Grades
- Privacy 7.9/10, Safety 4.0/10
- Sign-up
- No account needed
- Custody
- custodial
- Fees
- Own fee 1% float / 2% fixed, plus a 2% payment-provider fee taken from the deposit and the network fee
- Limits
- Per-pair minimum shown on the form; deposits must match the order amount within 0.2%
- Onion address
- Yes
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "xchg review", reviewed 22 Oct 2026, https://nokycscore.com/service/xchg
Also available as plain text.
What xchg is
xchg is a small instant swap service with no account: the user sends a deposit to a temporary address and receives the swapped coin, or the same coin on another network. Its terms state that it never asks for a name, ID, selfie or source of funds, including for payouts, returns and held deposits. Deposits and payouts are handled by a third-party payment processor that runs its own checks and can hold a deposit; the terms say a held deposit is returned to the refund address rather than released against documents. Finished orders are deleted after about a week, a signed warrant canary is published, and the clearnet site is served through Cloudflare while the onion site is not. The terms are dated 24 September 2026 and name no operator.
What xchg offers, and what to watch
8 of 15 privacy and safety features, 5 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required Yes The terms rule identity checks out, or the design makes them impossible.
- 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 Yes Core functions work with scripts disabled, as in Tor Browser on its safest setting.
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 No
- 5+ years operating Not stated
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 Yes No company or person is publicly responsible for the service.
Does xchg require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 0: ID never required. The terms rule out identity checks, or the design makes them impossible.
Terms section 7: "We never ask for your name, ID, selfie, or where the money came from. Not for payouts, returns, or holds."
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
7.9- Starting points 50
- KYC level 0: ID never required +20
- No registration +6
- No email needed +3
- No phone needed +1
- Tor onion service +4
- Works without JavaScript +1
- Accepts Monero +4
- Refund without ID +2
- Third-party liquidity -3
- AML screening -7
- Closed source -2
- Total, clamped to 0–100 79
Safety
4.0- Starting points 50
- Refund without ID +6
- Third-party liquidity -6
- AML screening -3
- Closed source -3
- Anonymous operator -4
- Total, clamped to 0–100 40
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 xchg’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 xchg. 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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xchg: common questions
Does xchg require KYC?
xchg is rated KYC level 0 of 4 on this site: ID never required. Terms section 7: "We never ask for your name, ID, selfie, or where the money came from. Not for payouts, returns, or holds."
Is xchg safe to use?
xchg has a Safety grade of 4.0 out of 10 and a Privacy grade of 7.9 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is xchg legit?
xchg 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 4.0 out of 10, built from custody, liquidity, track record and incidents.
Is xchg 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 xchg.
Do I need an account or email to use xchg?
No account needed.
What fees does xchg charge?
Own fee 1% float / 2% fixed, plus a 2% payment-provider fee taken from the deposit and the network fee. Fees were recorded from xchg's own pages and can change; check before you send.
What are xchg's limits?
Per-pair minimum shown on the form; deposits must match the order amount within 0.2%.
Does xchg have a Tor onion address?
Yes. xchg publishes an official onion address, shown on this page. Open it in Tor Browser.
Which cryptocurrencies does xchg support?
xchg supports USDT, XMR, XRP, TON.
Is xchg custodial?
Yes. xchg holds funds during a trade, which means it is able to delay or freeze them.
Can I use xchg over Tor?
Yes. xchg 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.