# xchg review: KYC policy, privacy and safety grades

> 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.

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

## Key facts
- **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
- **Official website:** https://xchg.to

## What it 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 the terms say about ID
Terms section 7: "We never ask for your name, ID, selfie, or where the money came from. Not for payouts, returns, or holds."

## Features and warnings
- **Identity:** ID never required: yes; 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: yes
- **Trust:** Never holds your funds: no; Own liquidity: no; Refund without ID: yes; 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; 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: yes

## 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.

## Sources
- https://xchg.to
- https://xchg.to/tos
- https://xchg.to/privacy
- https://xchg.to/help
- https://xchg.to/canary

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