Swap front-end routing orders through third-party processing partners
Privacy 10.0
Safety 8.4
Instant Swaps Since 2024 Reviewed 22 Oct 2026
Xgram.io review
Instant cross-chain swap service with multi-output swaps and no registration
- No account needed
- Accepts Monero
- No email needed
- May ask for ID
- Screens deposits
- Passes orders to partners
ID on risk flag KYC 3 Documentation reviewed
Privacy
2.7/ 10
Poor
Safety
3.0/ 10
Poor
Based on terms and documentation. No test transactions published yet. See the arithmetic
Xgram.io review in short
Xgram.io is a swap service operating since 2024. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 2.7/10 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.
- Category
- Instant Swaps
- KYC level
- 3 of 4: ID on risk flag
- Grades
- Privacy 2.7/10, Safety 3.0/10
- Sign-up
- No account needed
- Custody
- custodial
- Fees
- Commission included in the quoted rate; a 4% fee applies to refunds of unsupported deposits (per terms)
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "Xgram.io review", reviewed 22 Oct 2026, https://nokycscore.com/service/xgram
Also available as plain text.
What Xgram.io is
Xgram is an instant crypto-to-crypto swap service launched in 2024 that also offers splitting one deposit into several payouts. It describes itself as non-custodial, but swaps work by sending funds to a deposit address and receiving a payout, and the site says liquidity combines its own reserves with aggregated providers. The KYC/AML policy says identity verification is not required under normal conditions, every incoming transaction is scored with blockchain analytics, and a risk score of 70% or more may suspend the transaction for KYC and source-of-funds checks; a user who refuses is refunded less network fees. The terms exclude the United States, Canada, Russia and all EU and EEA member states among others. No operating company is named.
What Xgram.io offers, and what to watch
4 of 15 privacy and safety features, 6 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required No
- 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 Not stated
- Works without JavaScript Not stated
Trust
- Never holds your funds No
- Own liquidity No
- Refund without ID Not stated
- Open source No
- Independent audit Not stated
- Company named No
- 5+ years operating Not stated
Warnings
- May ask for ID Yes The terms reserve the right to demand identity documents, often after a risk flag.
- 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 Xgram.io require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 3: ID on risk flag. The terms allow funds to be held and identity demanded after an automated risk flag.
KYC/AML policy: transactions with a risk score of 70% and above "may be temporarily suspended for additional AML verification, including KYC procedures and/or confirmation of the Source of Funds".
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
2.7- Starting points 50
- KYC level 3: ID on risk flag -14
- No registration +6
- Accepts Monero +4
- Closed source -2
- Third-party liquidity -3
- AML screening -7
- May request ID -7
- Total, clamped to 0–100 27
Safety
3.0- Starting points 50
- Anonymous operator -4
- Closed source -3
- Third-party liquidity -6
- AML screening -3
- May request ID -4
- Total, clamped to 0–100 30
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 Xgram.io’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 Xgram.io. 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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Xgram.io: common questions
Does Xgram.io require KYC?
Xgram.io is rated KYC level 3 of 4 on this site: ID on risk flag. KYC/AML policy: transactions with a risk score of 70% and above "may be temporarily suspended for additional AML verification, including KYC procedures and/or confirmation of the Source of Funds".
Is Xgram.io safe to use?
Xgram.io has a Safety grade of 3.0 out of 10 and a Privacy grade of 2.7 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is Xgram.io legit?
Xgram.io is a working swap service that has operated since 2024. 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 Xgram.io 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 Xgram.io. Its terms also allow it to hold a flagged deposit and ask for identity documents.
Do I need an account or email to use Xgram.io?
No account needed.
What fees does Xgram.io charge?
Commission included in the quoted rate; a 4% fee applies to refunds of unsupported deposits (per terms). Fees were recorded from Xgram.io's own pages and can change; check before you send.
Does Xgram.io have a Tor onion address?
No official onion address was found on Xgram.io's own pages.
Which cryptocurrencies does Xgram.io support?
Xgram.io supports BTC, XMR, ETH, USDT, USDC, TRX, SOL, LTC.
Is Xgram.io custodial?
Yes. Xgram.io holds funds during a trade, which means it is able to delay or freeze them.
Can I use Xgram.io over Tor?
Xgram.io does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.