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How to buy bitcoin without KYC

28 of the 33 exchanges we review ask for ID before you trade, deposit or withdraw. Without ID, the routes are P2P markets, cash vouchers and ATMs below their limit, and swaps of coins you already hold.

Checked Oct 14, 2026 to Oct 28, 2026How we read the terms

Not legal or tax advice. This page explains how these services work and what their own terms say. It is general information, not legal, tax or financial advice. Rules differ by country and change often. Check the rules where you live, or ask a qualified professional, before you use any service listed here.

Buy from another person on a P2P market

You pay the seller directly, with a method you both agree on, and the market does not take your bank money. Most of the markets below never ask for ID. A bank transfer still shows up in your bank account.

P2P markets that do not ask for ID up front

  • BisqP2P market
    When they ask for IDNever, by design
    No-ID limitBisq 1, crypto trades: 0.25 BTC per trade; Bisq 1, fiat trades: per payment method, all below 0.25 BTC (e.g. SEPA 0.0624 BTC); Bisq 1, buying from an unsigned account: 0.002 BTC per trade until the payment account is signed (risky fiat methods); Bisq 1, new users: 0.1 BTC (user can opt out); Bisq Easy: 6 USD to 600 USD per trade
    If a check failsHolds no funds
    Coins
    Details
  • RoboSatsP2P market
    When they ask for IDNever, by design
    No-ID limit4,000,000 sats per trade, trades
    If a check failsHolds no funds
    Coins
    Details
  • lnp2pBotP2P market
    When they ask for IDNever, by design
    No-ID limitNo limit from the bot; in practice limited by Lightning liquidity and route capacity
    If a check failsHolds no funds
    Coins
    Details
  • MostroP2P market
    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds
    Coins
    Details
  • RetoSwapP2P market
    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds
    Coins
    Details
  • VexlP2P market
    When they ask for IDNever, by design
    No-ID limitNone set by Vexl (Vexl does not process trades)
    If a check failsHolds no funds
    Coins
    Details
  • Hodl HodlP2P market
    When they ask for IDIf a payment is flagged
    No-ID limitNo maximum stated; minimum contract amount 0.00025 BTC
    If a check failsCan be frozen
    Coins
    Details
  • LocalCoinSwapP2P market
    When they ask for IDIf a payment is flagged
    No-ID limitNot stated
    If a check failsCan be frozen
    Coins
    Details
  • Peach BitcoinP2P marketRestrictedRestricted. Checked Oct 22, 2026 on peachbitcoin.com.
    When they ask for IDAbove a limit
    No-ID limit1,000 CHF a day, trades
    If a check failsNot stated
    Coins
    Details

Compare all P2P markets

Pay cash: vouchers and bitcoin ATMs

  • Azteco

    Vouchers and ATMsNo account

    When they ask for IDIf a payment is flagged
    No-ID limitFrom 10 USD per voucher; no maximum stated
    If a check failsCan be frozen"We reserve the right, without notice to you, to void Azteco vouchers without a refund, suspend or terminate the ability to use our services, and cancel voucher codes, if we suspect that an Azteco voucher has been obtained, and attempted to be redeemed or used fraudulently, unlawfully, or otherwise in violation of these Terms." Checked Oct 22, 2026 on azte.co.
    CoinsMonero: not supported. Checked Oct 22, 2026 on help.azte.co.Zcash: not supported. Checked Oct 22, 2026 on azte.co.Bitcoin: supported. Checked Oct 22, 2026 on azte.co.Lightning: supported. Checked Oct 22, 2026 on help.azte.co.
    Who holds your coinsHeld by the provider
    Details
    What triggers a check
    Account rules of the retailer that sells the voucher (set by the retailer); direct purchase from Azteco (personal information used to verify identity); on request by Azteco, e.g. for support (identity and voucher Reference ID); suspected fraud or unlawful use"Please note that some online retailers will require you to create an account on their systems for your purchase. However, this information is not shared with Azteco." azte.co · Checked Oct 22, 2026azte.co · Checked Oct 22, 2026
    No-ID limit
    From 10 USD per voucher; no maximum statedazte.co · Checked Oct 22, 2026
    What happens, in their terms
    Vouchers suspected of being obtained or used fraudulently, unlawfully or against the terms can be voided without refund and access suspended; lost, stolen or expired vouchers are not replacedazte.co · Checked Oct 22, 2026
    Custody, in detail
    Voucher: prepaid code redeemed to any wallet of the user's choice (on-chain or Lightning); the value sits with Azteco until redemptionazte.co · Checked Oct 22, 2026
    Account
    No accountazte.co · Checked Oct 22, 2026
    Zcash address type
    No Zcashazte.co · Checked Oct 22, 2026
    Tor onion
    None publishedazte.co · Checked Oct 22, 2026
    I2P
    None publishedhelp.azte.co · Checked Oct 22, 2026
    US availability
    Availableazte.co · Checked Oct 22, 2026
    Excluded countries
    No restricted list published; vouchers sold online in over 190 countries; cash purchase directly from Azteco in Brazil, Argentina, Mexico, Chile, Colombia, Costa Rica, Guatemala and Peruhelp.azte.co · Checked Oct 22, 2026
    Operator
    Azteco Holdings USA, Inc., Delaware law; Company Number 4594652azte.co · Checked Oct 22, 2026
    Data the policy collects
    Collects as little as possible; on direct purchase personal information to verify identity and process the order; on redemption the IP address, the partner service or browser and the receiving wallet address; sub-processors include Customer.io, Google, Help Scout, Mixpanel, Safetypay, Trustpilot and X Corp; no retention period statedazte.co · Checked Oct 22, 2026
    Fee
    Commission set by each retailer and shown on the voucher; on-chain vouchers include a network fee; some countries add a processing fee for local currency paymentshelp.azte.co · Checked Oct 22, 2026
    Incidents
    None foundChecked Oct 14, 2026

    Not stated: Regional rule, Fee on refusal, Address screening, Open source, Refund policy

    Checked Oct 14, 2026 to Oct 22, 2026Azteco profileOfficial site

  • Bitcoin ATMs (US kiosks)

    Vouchers and ATMs

    When they ask for IDAbove a limit
    No-ID limitNot stated
    If a check failsNot stated
    CoinsMonero: not stated by the provider.Zcash: not stated by the provider.Bitcoin: not stated by the provider.Lightning: not stated by the provider.
    Who holds your coinsNot stated
    Details
    What triggers a check
    Every purchase: name, date of birth and mobile number (CoinFlip); ID at every transaction (Bitcoin Depot); amount above the threshold stated on the machine: government photo ID (CoinFlip tier 2); highest tier: photo ID plus Social Security number and a call to support (CoinFlip tier 3)"For our highest level of transactions, you must share your name, mobile number, government-issued photo ID, submit to Veriff, plus enter your social security number." coinflip.tech · Checked Oct 14, 2026coinflip.tech · Checked Oct 14, 2026
    US availability
    Availablenasdaq.com · Checked Oct 22, 2026

    Not stated: No-ID limit, Regional rule, What happens, in their terms, Fee on refusal, Address screening, Custody, in detail, Account, Zcash address type, Tor onion, I2P, Excluded countries, Operator, Data the policy collects, Open source, Refund policy, Fee, Incidents

    Checked Oct 14, 2026 to Oct 22, 2026Bitcoin ATMs (US kiosks) profile

Swap coins you already hold into bitcoin

If you already hold another coin, a swap turns it into bitcoin. Instant swaps are in our no-KYC swaps list; atomic swaps, cross-chain protocols and wallet swaps are below.

No-KYC swaps

  • BasicSwap

    Atomic swapNo account

    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds"no contributor or third-party can pause, censor, freeze, or reverse it" Checked Oct 22, 2026 on basicswapdex.com.
    CoinsMonero: supported. Checked Oct 22, 2026 on basicswapdex.com.Zcash: not supported. Checked Oct 22, 2026 on github.com.Bitcoin: supported. Checked Oct 22, 2026 on basicswapdex.com.Lightning: not supported. Checked Oct 22, 2026 on basicswapdex.com.
    Who holds your coinsYou hold the keys
    Details
    What happens, in their terms
    Not applicable: nobody can pause, freeze or reverse a broadcast swap; timelocks return coins if a side walks awaybasicswapdex.com · Checked Oct 22, 2026
    Custody, in detail
    Atomic-swap: funds stay in the user's own core wallets; HTLC or adaptor-signature swaps settle on the two chains; timelocks refund a party if the other walks awaybasicswapdex.com · Checked Oct 22, 2026
    Account
    No accountbasicswapdex.com · Checked Oct 22, 2026
    Zcash address type
    No Zcashgithub.com · Checked Oct 22, 2026
    Tor onion
    Tor built into the appbasicswapdex.com · Checked Oct 22, 2026
    I2P
    None publishedbasicswapdex.com · Checked Oct 22, 2026
    US availability
    Availablebasicswapdex.com · Checked Oct 22, 2026
    Excluded countries
    Not statedbasicswapdex.com · Checked Oct 14, 2026
    Operator
    Not namedbasicswapdex.com · Checked Oct 22, 2026
    Data the policy collects
    No personal data, telemetry, analytics or central log; the interface calls CoinGecko for prices, GitHub for update checks and optionally public Electrum or Monero nodes in light modebasicswapdex.com · Checked Oct 22, 2026
    Open source
    Yes · github.com/basicswap/basicswapgithub.com · Checked Oct 23, 2026
    Fee
    No protocol fee; only on-chain network feesbasicswapdex.com · Checked Oct 22, 2026
    Incidents
    None foundapi.github.com · Checked Oct 23, 2026

    Not stated: What triggers a check, No-ID limit, Regional rule, Fee on refusal, Address screening, Refund policy

    Checked Oct 14, 2026 to Oct 23, 2026BasicSwap profileOfficial site

  • Cake Wallet

    WalletNo account

    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsNot stated
    CoinsMonero: supported. Checked Oct 22, 2026 on cakewallet.com.Zcash: supported. Shielded by default, per Cake Wallet. Checked Oct 22, 2026 on docs.cakewallet.com.Bitcoin: supported. Checked Oct 22, 2026 on cakewallet.com.Lightning: supported. Checked Oct 22, 2026 on docs.cakewallet.com.
    Who holds your coinsHeld during the swap
    Details
    What triggers a check
    Third-party fiat buy/sell providers: depending on provider, amount, payment method and region, an email, phone number, ID document or more; third-party swap providers: their own policies (not described by Cake)"depending on the provider, amount, payment method, and your region, you may be asked for an email, a phone number, an ID document, or more." docs.cakewallet.com · Checked Oct 22, 2026docs.cakewallet.com · Checked Oct 22, 2026
    Custody, in detail
    Self-custody wallet; swaps executed by third-party providers: centralized providers receive the deposit and send the swapped asset (transit), decentralized protocols settle on-chaindocs.cakewallet.com · Checked Oct 22, 2026
    Account
    No accountdocs.cakewallet.com · Checked Oct 22, 2026
    Zcash address type
    Shielded by default, per Cake Walletdocs.cakewallet.com · Checked Oct 22, 2026
    Tor onion
    Tor built into the appdocs.cakewallet.com · Checked Oct 23, 2026
    I2P
    None publisheddocs.cakewallet.com · Checked Oct 22, 2026
    US availability
    Availableitunes.apple.com · Checked Oct 22, 2026
    Excluded countries
    No list; users are responsible for compliance with local lawscakewallet.com · Checked Oct 22, 2026
    Operator
    Cake Labs LLC, Neviscakewallet.com · Checked Oct 22, 2026
    Data the policy collects
    No usage data collected; keys, seeds and wallet data stay on the device; Cake nodes may receive but do not store the IP address, sync height and submitted transactions; the Fiat API shares IP and currency pair (can be disabled); swap and buy providers collect data under their own policiescakewallet.com · Checked Oct 22, 2026
    Open source
    Yes · github.com/cake-tech/cake_walletgithub.com · Checked Oct 23, 2026
    Fee
    Wallet free; swap rate and provider fees set by the third-party provider and settled at execution (floating or fixed rate, fixed slightly worse); network fees applydocs.cakewallet.com · Checked Oct 22, 2026
    Incidents
    • May 11, 2021: Hack. Security vulnerability, not a breach of Cake: Cake Wallet versions released in 2020-2021 generated Bitcoin wallets with weak randomness (Electrum-format Segwit seeds); the vendor published an advisory on 2021-05-11; Milk Sad researchers warned again on 2024-02-13 that affected wallets are at risk of complete loss; Cake warns about known weak seeds since v4.12.0milksad.info
    milksad.info · Checked Oct 14, 2026

    Not stated: No-ID limit, Regional rule, What happens, in their terms, Fee on refusal, Address screening, Refund policy

    Checked Oct 14, 2026 to Oct 23, 2026Cake Wallet profileOfficial site

  • eigenwallet (formerly UnstoppableSwap)

    Atomic swapNo account

    When they ask for IDNever, by design
    No-ID limitSet per maker (minimum and maximum swap size per offer); usually at least 0.0003 BTC per swap.
    If a check failsHolds no funds"The maker can, in rare circumstances, choose to withhold the the remaining 5% (the anti-spam deposit)." Checked Oct 22, 2026 on docs.eigenwallet.org.
    CoinsMonero: supported. Checked Oct 22, 2026 on docs.eigenwallet.org.Zcash: not supported. Checked Oct 22, 2026 on docs.eigenwallet.org.Bitcoin: supported. Checked Oct 22, 2026 on eigenwallet.org.Lightning: not supported. Checked Oct 22, 2026 on eigenwallet.org.
    Who holds your coinsYou hold the keys
    Details
    No-ID limit
    Set per maker (minimum and maximum swap size per offer); usually at least 0.0003 BTC per swap.docs.eigenwallet.org · Checked Oct 22, 2026
    What happens, in their terms
    No KYC hold possible. The only withholding mechanism: on a refunded swap, a maker that requires an anti-spam deposit (e.g. 2 to 5% of the swap) may withhold it; makers can release it later.docs.eigenwallet.org · Checked Oct 22, 2026
    Address screening
    Nodocs.eigenwallet.org · Checked Oct 22, 2026
    Custody, in detail
    Atomic-swap: BTC is locked in a 2-of-2 multisig during the swap; the app has a self-custody Bitcoin and Monero wallet.docs.eigenwallet.org · Checked Oct 22, 2026
    Account
    No accounteigenwallet.org · Checked Oct 22, 2026
    Zcash address type
    No Zcashdocs.eigenwallet.org · Checked Oct 22, 2026
    Tor onion
    eigenwu5vl53rjyd3zxfzy25mfoaeqlhpuvlu5s46ygggllfbb4beiid.onioneigenwallet.org · Checked Oct 14, 2026
    I2P
    None publishedeigenwallet.org · Checked Oct 22, 2026
    US availability
    Availableeigenwallet.org · Checked Oct 14, 2026
    Excluded countries
    Not statedeigenwallet.org · Checked Oct 14, 2026
    Operator
    Not namedeigenwallet.org · Checked Oct 22, 2026
    Data the policy collects
    No accounts and no privacy policy published; all app traffic runs over Tor.eigenwallet.org · Checked Oct 22, 2026
    Open source
    Yes · github.com/eigenwallet/coregithub.com · Checked Oct 22, 2026
    Refund policy
    If a swap fails, the user must refund within about 24 hours, starting about 4 hours after the swap began; otherwise the maker can take the Bitcoin (punish).docs.eigenwallet.org · Checked Oct 22, 2026
    Fee
    Maker markup over the centralized-exchange rate (set by each maker, e.g. 2 to 3%) plus Bitcoin network fees; no protocol fee. Makers may opt in to a developer tip paid from their side.docs.eigenwallet.org · Checked Oct 22, 2026
    Incidents
    None foundChecked Oct 14, 2026

    Not stated: What triggers a check, Regional rule, Fee on refusal

    Checked Oct 14, 2026 to Oct 22, 2026eigenwallet (formerly UnstoppableSwap) profileOfficial site

  • Maya Protocol (MAYAChain)

    DEX and cross-chainNo accountHack, Aug 2026

    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds"Maya will never held or block your assets when swapping and does not require KYC." Checked Oct 22, 2026 on mayaprotocol.com.
    CoinsMonero: not supported. Checked Oct 22, 2026 on midgard.mayachain.info.Zcash: supported. Transparent addresses only, per Maya Protocol (MAYAChain). Transparent Zcash is not private. Checked Oct 22, 2026 on midgard.mayachain.info.Bitcoin: supported. Checked Oct 22, 2026 on midgard.mayachain.info.Lightning: not supported. Checked Oct 22, 2026 on midgard.mayachain.info.
    Who holds your coinsHeld during the swap
    Details
    What happens, in their terms
    No KYC hold exists; network halts by node operators can stop all swaps (e.g. after the August 2026 exploit).mayaprotocol.com · Checked Oct 22, 2026
    Custody, in detail
    Non-custodial for users; inbound funds and pool liquidity sit in network vaults (Asgard) secured by node operators, checked by an automatic solvency checker.docs.mayaprotocol.com · Checked Oct 22, 2026
    Account
    No accountmayaprotocol.com · Checked Oct 22, 2026
    Zcash address type
    Transparent addresses only, per Maya Protocol (MAYAChain). Transparent Zcash is not privatedocs.mayaprotocol.com · Checked Oct 22, 2026
    Tor onion
    None publishedmayaprotocol.com · Checked Oct 22, 2026
    I2P
    None publisheddocs.mayaprotocol.com · Checked Oct 22, 2026
    US availability
    Availablemayaprotocol.com · Checked Oct 22, 2026
    Excluded countries
    Not statedmayaprotocol.com · Checked Oct 14, 2026
    Operator
    Not namedmayaprotocol.com · Checked Oct 14, 2026
    Data the policy collects
    No privacy policy published on mayaprotocol.com.mayaprotocol.com · Checked Oct 14, 2026
    Open source
    Yes · gitlab.com/mayachain/mayanodegitlab.com · Checked Oct 23, 2026
    Fee
    Fixed outbound fee plus a dynamic liquidity fee; interfaces may add an affiliate fee of 0 to 500 bps.docs.mayaprotocol.com · Checked Oct 22, 2026
    Incidents
    • Aug 18, 2026: Hack. Attacker chained six bugs to inflate a pool and withdraw about 48.87M CACAO, taking roughly $1.65M in BTC and other assets; network halted, CACAO price fell sharply; swaps running again by October 2026.decrypt.co
    decrypt.co · Checked Oct 14, 2026

    Not stated: What triggers a check, No-ID limit, Regional rule, Fee on refusal, Address screening, Refund policy

    Checked Oct 14, 2026 to Oct 23, 2026Maya Protocol (MAYAChain) profileOfficial site

  • THORChain

    DEX and cross-chainNo accountHack, May 2026

    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds"node operators brought the entire network to a full stop shortly after via manual pauses and governance votes" Checked Oct 22, 2026 on blog.thorchain.org.
    CoinsMonero: sources disagree. swap.thorchain.org: No. thorchain.org: "Crypto DEX | Swap BTC, ETH, & XMR | No KYC | THORChain"Zcash: supported. Transparent addresses only, per THORChain. Transparent Zcash is not private (outgoing ZEC). ZEC chain halted when checked. Checked Oct 22, 2026 on thorchain.org.Bitcoin: supported. Checked Oct 22, 2026 on thorchain.org.Lightning: not supported. Checked Oct 22, 2026 on thorchain.org.
    Who holds your coinsHeld during the swap
    Details
    What happens, in their terms
    No KYC hold exists. Network-wide halts by node operators can stop trading and signing for all users (e.g. May 15 to June 22, 2026 after an exploit).blog.thorchain.org · Checked Oct 22, 2026
    Custody, in detail
    Non-custodial for users (self-custody wallets); assets in transit and pool liquidity sit in protocol vaults whose keys are split among node operators by threshold signatures (TSS).blog.thorchain.org · Checked Oct 22, 2026
    Account
    No accountthorchain.org · Checked Oct 22, 2026
    Zcash address type
    Transparent addresses only, per THORChain. Transparent Zcash is not private (outgoing ZEC)dev.thorchain.org · Checked Oct 22, 2026
    Tor onion
    None publishedthorchain.org · Checked Oct 22, 2026
    I2P
    None publishedthorchain.org · Checked Oct 22, 2026
    US availability
    Availablethorchain.org · Checked Oct 22, 2026
    Excluded countries
    Jurisdictions identified by the Financial Action Task Force (FATF) as having strategic deficiencies in anti-money laundering (AML) or counter-terrorist financing (CTF) measures, Jurisdictions subject to comprehensive sanctions programs, Any jurisdiction where offering, accessing, or using the Services would violate applicable lawthorchain.org · Checked Oct 22, 2026
    Operator
    Not namedthorchain.org · Checked Oct 22, 2026
    Data the policy collects
    Interface collects wallet addresses, transaction data, IP address, device and usage data, analytics (e.g. Google Analytics, Mixpanel, Hotjar, Fathom) and Cloudflare logs; analytics kept 2 to 24 months; transactional data kept as needed for services and legal obligations.thorchain.org · Checked Oct 22, 2026
    Open source
    Yesswap.thorchain.org · Checked Oct 22, 2026
    Works without JavaScript
    No, per its own noticeswap.thorchain.org · Checked Oct 23, 2026
    Fee
    Inbound network fee (paid by the sending wallet), liquidity fee (slip-based, with a minimum in basis points per asset class), outbound fee on the destination chain, and an optional affiliate fee added by the interface. swap.thorchain.org adds no fee of its own.thorchain.org · Checked Oct 22, 2026
    Incidents
    • May 15, 2026: Hack. A newly joined node operator exploited a GG20 TSS vulnerability and drained about $10.7M from one of five vaults; network halted until June 22, 2026; financial recovery under ADR-028 still unresolved per the Q2 2026 report.blog.thorchain.org
    • Feb 2025: Hack. Proceeds of the Bybit hack (attributed to Lazarus) were swapped through THORChain; a node vote to halt was reversed and a developer left (press reports).forklog.com
    • Jan 24, 2025: Frozen funds. THORFi Savers and Lending withdrawals paused by node vote with about $200M outstanding liabilities; programs later unwound.blog.thorchain.org
    • Jul 2021: Hack. Two exploits of the ETH router (first took about 4,200 ETH); THORChain treasury to cover liquidity provider losses. Post-mortem published 2021-07-30.blog.thorchain.org
    blog.thorchain.org · Checked Oct 22, 2026

    Not stated: What triggers a check, No-ID limit, Regional rule, Fee on refusal, Address screening, Refund policy

    Checked Oct 22, 2026 to Oct 23, 2026THORChain profileOfficial site

  • Chainflip

    DEX and cross-chainNo accountHack, Sep 2026

    When they ask for IDIf a payment is flagged
    No-ID limitNot stated
    If a check failsRefund minus a fee"Request an incoming transaction to be rejected. Only available for bitcoin. This call will always succeed, but the transaction will only be refunded if it hasn’t been witnessed on-chain yet." Checked Oct 22, 2026 on docs.chainflip.io.
    CoinsMonero: not supported. Checked Oct 22, 2026 on docs.chainflip.io.Zcash: not supported. Checked Oct 23, 2026 on mainnet-rpc.chainflip.io.Bitcoin: supported. Checked Oct 23, 2026 on mainnet-rpc.chainflip.io.Lightning: not supported. Checked Oct 22, 2026 on docs.chainflip.io.
    Who holds your coinsHeld during the swap
    Details
    What triggers a check
    Request for identity information by the operator (refusal allows suspension, terms 2.8.5); Use in breach of the terms or of law (2.8.4); Suspected security threat (2.8.3); Any other reason the operator determines (2.8.6)"if you refuse to provide any information with respect to your identity, use of the Services, or Intellectual Property Rights, reasonably promptly following request; or [...] for any other reasons as we may determine from time to time." swap.chainflip.io · Checked Oct 22, 2026swap.chainflip.io · Checked Oct 22, 2026
    What happens, in their terms
    Interface holds no funds. A broker can mark incoming BTC deposits to its own deposit channels for rejection; they are refunded only if not yet witnessed on-chain. Refunded or partly failed swaps pay a refund fee of $0.5 plus the broadcast fee.docs.chainflip.io · Checked Oct 22, 2026
    Fee on refusal
    A refund fee of $0.5 plus the broadcast feedocs.chainflip.io · Checked Oct 22, 2026
    Address screening
    Yesdocs.chainflip.io · Checked Oct 22, 2026
    Custody, in detail
    Non-custodial interface; deposits go through deposit channels into protocol vaults controlled by validators via threshold signatures until the output is broadcast (transit).swap.chainflip.io · Checked Oct 22, 2026
    Account
    No accountswap.chainflip.io · Checked Oct 22, 2026
    Zcash address type
    No Zcashmainnet-rpc.chainflip.io · Checked Oct 23, 2026
    Tor onion
    None publishedswap.chainflip.io · Checked Oct 22, 2026
    I2P
    None publisheddocs.chainflip.io · Checked Oct 22, 2026
    US availability
    Availableswap.chainflip.io · Checked Oct 14, 2026
    Excluded countries
    No country list. Persons subject to a sanctions regime are excluded; the operator may restrict or prohibit use in certain markets or jurisdictions at its discretion.swap.chainflip.io · Checked Oct 22, 2026
    Operator
    Crosschain Associationswap.chainflip.io · Checked Oct 22, 2026
    Data the policy collects
    Operator may process identity details provided, wallet addresses, data submitted for verification, self-reported location and IP geolocation, device and usage data; agreement data kept 6 years after last interaction, security data 3 years.swap.chainflip.io · Checked Oct 22, 2026
    Open source
    Yes · github.com/chainflip-io/chainflip-backendgithub.com · Checked Oct 22, 2026
    Fee
    Network fee 0.10% (minimum $0.5; 0.01% for internal stablecoin swaps), liquidity fee 0.10 to 0.15% per pool, optional broker fee 0 to 1,000 bps, deposit and broadcast gas, refund fee $0.5, optional boost fee 0.05 to 0.3%.docs.chainflip.io · Checked Oct 22, 2026
    Incidents
    • Sep 12, 2026: Hack. Exploit of the Tron USDT integration (duplicate payouts via a memo on an already signed transaction); 736,442.17 USDT lost, network halted, restarted without Tron at first; Chainflip pledged to make users whole. Tron ingress shown enabled again on 2026-10-14.crypto.news
    crypto.news · Checked Oct 14, 2026

    Not stated: No-ID limit, Regional rule, Refund policy

    Checked Oct 14, 2026 to Oct 23, 2026Chainflip profileOfficial site

Lightning wallets and swaps

  • Boltz

    Lightning toolNo accountPausedPaused. Checked Oct 22, 2026 on x.com.

    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds"In these scenarios, users will have the option to unilaterally refund using funds locked in swap addresses using their cryptographic refund keys as generated by officially distributed Boltz software." Checked Oct 22, 2026 on github.com.
    CoinsMonero: not supported. Checked Oct 22, 2026 on github.com.Zcash: not supported. Checked Oct 22, 2026 on github.com.Bitcoin: supported. Checked Oct 22, 2026 on github.com.Lightning: supported. Checked Oct 22, 2026 on github.com.
    Who holds your coinsYou hold the keys
    Details
    What triggers a check
    Automated risk screening of all transactions: swaps with transactions originating from illegal activity can be rejected (no ID request named); verified law enforcement requests, judicial orders or fraud investigations (data disclosure, not ID collection)"We reserve the right to reject processing swaps with transactions originating from illegal activity." github.com · Checked Oct 22, 2026github.com · Checked Oct 22, 2026
    What happens, in their terms
    Rejected swaps are not held by Boltz: users can refund unilaterally from the swap address with the refund keys generated by official Boltz software; Boltz states it never controls user bitcoin. During the 2026 suspension the API stayed available for cooperative refunds.github.com · Checked Oct 22, 2026
    Custody, in detail
    Non-custodial (atomic swaps via HTLC; user holds claim and refund keys)github.com · Checked Oct 22, 2026
    Account
    No accountgithub.com · Checked Oct 22, 2026
    Zcash address type
    No Zcashgithub.com · Checked Oct 22, 2026
    Tor onion
    boltzzzbnus4m7mta3cxmflnps4fp7dueu2tgurstbvrbt6xswzcocyd.oniongithub.com · Checked Oct 22, 2026
    I2P
    None publishedgithub.com · Checked Oct 22, 2026
    Excluded countries
    No list published; Boltz reserves the right to restrict its service in certain jurisdictionsgithub.com · Checked Oct 22, 2026
    Operator
    Boltz S.A. de C.V., El Salvadorgithub.com · Checked Oct 22, 2026
    Data the policy collects
    Stores swap destinations (addresses, invoices) and swap origins (transaction IDs, invoices); IP not stored permanently but may be processed temporarily for tax compliance or geo-restriction; transaction data retained for legal obligations in El Salvador and may be passed to government bodies; API hosted by Racknation S.A., web app assets via Cloudflare; API reachable via Torgithub.com · Checked Oct 22, 2026
    Open source
    Yes · github.com/BoltzExchange/boltz-backendgithub.com · Checked Oct 22, 2026
    Fee
    Percentage fee that varies by swap type and pair (published via the API) plus miner fees; Boltz covers Lightning routing fees; integrators may add an extra fee of up to 10%github.com · Checked Oct 22, 2026
    Incidents
    • Sep 18, 2026: Closure. Domain boltz.exchange on registrar status client hold, website and API do not resolve (observed 2026-10-14)rdap.org
    • Aug 12, 2026: Hack. Boltz states that several AI-assisted attacks over the preceding months succeeded; per Boltz no user funds were at risk because it is non-custodial; losses borne by Boltz (TFTC quotes the Aug 3 statement: "the losses were ours alone")x.com
    • Aug 3, 2026: Closure. All swap services disabled until further notice; API kept for cooperative refunds, unilateral refunds unaffectedx.com
    • Aug 1, 2026: Closure. EVM-side swaps (USDT, USDC, TBTC, WBTC, RBTC) disabled citing a bug in the EVM integrationtftc.io
    x.com · Checked Oct 22, 2026

    Not stated: No-ID limit, Regional rule, Fee on refusal, Address screening, US availability, Refund policy

    Checked Oct 22, 2026Boltz profile

  • Phoenix Wallet

    Lightning toolNo account

    When they ask for IDNever, by design
    No-ID limitNot stated
    If a check failsHolds no funds"The peer reserves the right to close channels, or reclaim liquidity from channels at any time." Checked Oct 22, 2026 on phoenix.acinq.co.
    CoinsMonero: not supported. Checked Oct 22, 2026 on phoenix.acinq.co.Zcash: not supported. Checked Oct 22, 2026 on phoenix.acinq.co.Bitcoin: supported. Checked Oct 22, 2026 on phoenix.acinq.co.Lightning: supported. Checked Oct 22, 2026 on phoenix.acinq.co.
    Who holds your coinsYou hold the keys
    Details
    What happens, in their terms
    No KYC hold described; ACINQ's node may close channels or reclaim liquidity at any time, and the user can close channels or, as a last resort, force-close unilaterally (funds back on-chain after a 720-block delay, about 5 days)phoenix.acinq.co · Checked Oct 22, 2026
    Custody, in detail
    Self-custody Lightning node on the phone with channels to ACINQ's node; trust-minimized, not trustless (channel funding from incoming Lightning payments requires trust until confirmed); built-in swap-in and swap-out between on-chain and Lightningphoenix.acinq.co · Checked Oct 22, 2026
    Account
    No accountphoenix.acinq.co · Checked Oct 22, 2026
    Zcash address type
    No Zcashphoenix.acinq.co · Checked Oct 22, 2026
    Tor onion
    None publishedphoenix.acinq.co · Checked Oct 22, 2026
    I2P
    None publishedphoenix.acinq.co · Checked Oct 22, 2026
    US availability
    Availableapps.apple.com · Checked Oct 22, 2026
    Excluded countries
    Restricted Jurisdictions determined by ACINQ (no list published), countries subject to UN, US, EU or UK sanctionsphoenix.acinq.co · Checked Oct 22, 2026
    Operator
    ACINQ SAS, France (Paris Trade and Companies Register 804 203 792)phoenix.acinq.co · Checked Oct 22, 2026
    Data the policy collects
    ACINQ's node computes routes and knows the final recipient and amount of payments; the app connects to Electrum servers (own server possible) and third-party price and fee APIs; push notifications via Apple and Google; optional Tor hides the IP from ACINQ and Electrum; ACINQ is registered with the French data protection authority CNILphoenix.acinq.co · Checked Oct 22, 2026
    Open source
    Yes · github.com/ACINQ/phoenixgithub.com · Checked Oct 22, 2026
    Fee
    Sending via Lightning 0.4% + 4 sat; receiving via Lightning free; receiving with insufficient liquidity or requesting liquidity 1% + mining fees; channel creation 1,000 sat; on-chain sends and receives pay mining feesphoenix.acinq.co · Checked Oct 23, 2026
    Incidents
    • Apr 26, 2024: Closure. Announced removal of Phoenix from US app stores on 2024-05-03 and asked US users to empty their wallets; ACINQ cited doubts from US authorities' announcements whether self-custodial wallet providers or Lightning service providers could be treated as money services businesses (statement quoted by No Bullshit Bitcoin)x.com
    x.com · Checked Oct 22, 2026

    Not stated: What triggers a check, No-ID limit, Regional rule, Fee on refusal, Address screening, Refund policy

    Checked Oct 22, 2026 to Oct 23, 2026Phoenix Wallet profileOfficial site

For US residents

Open to US residents under their own terms: BasicSwap, Cake Wallet, eigenwallet (formerly UnstoppableSwap), Maya Protocol (MAYAChain), Phoenix Wallet, THORChain, Azteco, Chainflip, Bitcoin ATMs (US kiosks), lnp2pBot, Mostro, RetoSwap, Vexl and LocalCoinSwap.

Not open to US residents under their own terms: 2. Not stated: 3.

Each card shows its US status with the source. If a provider's terms exclude you, do not use it, and do not try to get around the restriction, for example with a VPN.