# Xgram.io review: KYC policy, privacy and safety grades > 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. Source: NoKYC Score, "Xgram.io review", reviewed 22 Oct 2026, https://nokycscore.com/service/xgram ## Key facts - **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 - **Official website:** https://xgram.io ## What it 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 the terms say about ID 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". ## Features and warnings - **Identity:** ID never required: no; No account needed: yes; No email needed: yes; No phone number: yes - **Payment:** Accepts Monero: yes; 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; 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 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. ## Sources - https://xgram.io - https://xgram.io/docs/terms - https://xgram.io/docs/kyc - https://xgram.io/about - https://xgram.io/faq - https://xgram.io/docs/privacy-policy How grades are calculated: https://nokycscore.com/methodology