# XMRS review: KYC policy, privacy and safety grades > XMRS 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 3.4/10 for privacy (poor) and 3.4/10 for safety (poor). In its favour: no account needed, no email needed and no phone number. To watch: it may ask for ID, holds your funds while you use it and is closed source. No incidents are on record. Source: NoKYC Score, "XMRS review", reviewed 23 Oct 2026, https://nokycscore.com/service/xmrs ## Key facts - **Category:** Instant Swaps - **KYC level:** 3 of 4: ID on risk flag - **Grades:** Privacy 3.4/10, Safety 3.4/10 - **Sign-up:** No account needed - **Custody:** custodial - **Incidents on record:** 0 - **Last reviewed:** 23 Oct 2026 - **Official website:** https://xmrs.io ## What it is XMRS is an instant exchange focused on Monero pairs (BTC, ETH, USDT, USDC, LTC, SOL to and from XMR) that is used without registration. Its about page says it was established in 2024. The terms of service are short: they say XMRS follows AML and KYC policies, may require users to provide identification for verification, with restricted access if they do not, and may monitor transactions and report suspicious activity to authorities. Disputes fall under the laws of the jurisdiction where XMRS is registered, which is not named. ## What the terms say about ID Terms 7.2: "XMRS may require Users to provide identification and other relevant information for verification purposes. Failure to comply may result in restricted access"; 7.3 allows transaction monitoring. ## 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: not stated; 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: not in terms; Passes orders to partners: not in terms; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes ## Questions ### Does XMRS require KYC? XMRS is rated KYC level 3 of 4 on this site: ID on risk flag. Terms 7.2: "XMRS may require Users to provide identification and other relevant information for verification purposes. Failure to comply may result in restricted access"; 7.3 allows transaction monitoring. ### Is XMRS safe to use? XMRS has a Safety grade of 3.4 out of 10 and a Privacy grade of 3.4 out of 10. No incidents are on record. Evidence level: documentation reviewed. ### Is XMRS legit? XMRS 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 3.4 out of 10, built from custody, liquidity, track record and incidents. ### Is XMRS 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 XMRS. Its terms also allow it to hold a flagged deposit and ask for identity documents. ### Do I need an account or email to use XMRS? No account needed. ### Does XMRS have a Tor onion address? No official onion address was found on XMRS's own pages. ### Which cryptocurrencies does XMRS support? XMRS supports XMR, BTC, ETH, USDT, USDC, LTC, SOL. ### Is XMRS custodial? Yes. XMRS holds funds during a trade, which means it is able to delay or freeze them. ### Can I use XMRS over Tor? XMRS does not publish an official onion address. ## Sources - https://xmrs.io - https://xmrs.io/terms-of-service - https://xmrs.io/about - https://xmrs.io/privacy-policy How grades are calculated: https://nokycscore.com/methodology