# XT.com review: KYC policy, privacy and safety grades > XT.com is an exchange. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 2.4/10 for privacy (poor) and 3.8/10 for safety (poor). To watch: it may ask for ID, holds your funds while you use it and requires an email address. No incidents are on record. Source: NoKYC Score, "XT.com review", reviewed 22 Oct 2026, https://nokycscore.com/service/xt-com ## Key facts - **Category:** No-KYC Exchanges - **KYC level:** 3 of 4: ID on risk flag - **Grades:** Privacy 2.4/10, Safety 3.8/10 - **Sign-up:** Email required - **Custody:** custodial - **Limits:** Unverified: 200,000 USDT per day crypto withdrawals (Withdrawal Limit Guide, updated 26 Sep 2026); KYC verified: 10,000,000 USDT; entity verified: 15,000,000 USDT. An older announcement lists 6,000,000 USDT per day unverified with fiat withdrawals prohibited. - **Incidents on record:** 0 - **Last reviewed:** 22 Oct 2026 - **Official website:** https://www.xt.com ## What it is XT.com is a large centralised spot, margin, futures and P2P exchange. Its help centre Withdrawal Limit Guide (updated 26 September 2026) lists a daily crypto withdrawal limit of 200,000 USDT for unverified accounts, 10,000,000 USDT after KYC and 15,000,000 USDT for verified entities. Fiat, P2P merchant features and higher limits need KYC through Sumsub or a manual channel. An older announcement in the same help centre still lists 6,000,000 USDT per day for unverified accounts with fiat withdrawals prohibited. Another article says verification is mandatory where local law requires it. Its AML/KYC policy says it does not keep anonymous accounts and monitors transactions. The user agreement bars users in the United States, Canada, mainland China, Singapore and other listed places, and names no operating company. ## What the terms say about ID Help centre Withdrawal Limit Guide: unverified accounts can withdraw up to 200,000 USDT per day; KYC is needed for higher limits, fiat and P2P merchant features, and may be mandatory depending on location. ## Features and warnings - **Identity:** ID never required: no; No account needed: no; No email needed: no; No phone number: not stated - **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated; Accepts cash: 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; Independent audit: not stated; Company named: not stated; 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: yes; Phone number required: not in terms; Nobody accountable: not in terms ## Questions ### Does XT.com require KYC? XT.com is rated KYC level 3 of 4 on this site: ID on risk flag. Help centre Withdrawal Limit Guide: unverified accounts can withdraw up to 200,000 USDT per day; KYC is needed for higher limits, fiat and P2P merchant features, and may be mandatory depending on location. ### Is XT.com safe to use? XT.com has a Safety grade of 3.8 out of 10 and a Privacy grade of 2.4 out of 10. No incidents are on record. Evidence level: documentation reviewed. ### Is XT.com legit? XT.com is a working exchange. Being real is not the same as being safe: its Safety grade here is 3.8 out of 10, built from custody, liquidity, track record and incidents. ### Is XT.com 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 XT.com. Its terms also allow it to hold a flagged deposit and ask for identity documents. ### Do I need an account or email to use XT.com? Email required. ### What are XT.com's limits? Unverified: 200,000 USDT per day crypto withdrawals (Withdrawal Limit Guide, updated 26 Sep 2026); KYC verified: 10,000,000 USDT; entity verified: 15,000,000 USDT. An older announcement lists 6,000,000 USDT per day unverified with fiat withdrawals prohibited. ### Does XT.com have a Tor onion address? No official onion address was found on XT.com's own pages. ### Which cryptocurrencies does XT.com support? XT.com supports BTC, ETH, USDT, USDC, XRP, SOL. ### Is XT.com custodial? Yes. XT.com holds funds during a trade, which means it is able to delay or freeze them. ### Can I use XT.com over Tor? XT.com does not publish an official onion address. ## Sources - https://www.xt.com/en - https://support.xt.com/hc/en-us/articles/41878045265561-Withdrawal-Limit-Guide - https://support.xt.com/hc/en-us/articles/4407761327769 - https://support.xt.com/hc/en-us/articles/55364318957977 - https://support.xt.com/hc/en-us/articles/55365175100441 - https://support.xt.com/hc/en-us/articles/30945562989721-How-to-complete-KYC-verification - https://support.xt.com/hc/en-us/articles/8597411796377 - https://support.xt.com/hc/en-us/articles/900001631023 How grades are calculated: https://nokycscore.com/methodology