Maya Protocol (MAYAChain) review
Maya Protocol operates as a cross-chain exchange network accessible through third-party apps like THORSwap, Asgardex, and Edge. It does not require KYC or an account, allowing swaps directly from your own wallet. The protocol includes Zcash and Dash pools, but note that swapped ZEC is sent only to transparent addresses. Interfaces may impose additional fees of up to 500 basis points on top of the network fees. A key limitation is that node operators have the capacity to halt the network and suspend all swaps, as occurred after the August 2026 exploit. In our view, Maya Protocol suits users who want ZEC swaps without an account.
No ID, by design
Maya Protocol (MAYAChain) never asks for ID by design, per its own pages.
Choose Maya Protocol (MAYAChain) if
Who Maya Protocol (MAYAChain) suits, from the values on this page.
Maya Protocol (MAYAChain) suits you if
- You want to trade with no account and no ID: Maya Protocol (MAYAChain) never asks for ID, by design.
- You want open-source software.
Maya Protocol (MAYAChain) might not be the right fit if
- You want Monero: Maya Protocol (MAYAChain) does not list it.
- You want Lightning: Maya Protocol (MAYAChain) does not support it.
- You want shielded Zcash: Maya Protocol (MAYAChain) accepts transparent addresses only.
- You want a service with no incident on record: Maya Protocol (MAYAChain) had one in 2026.
Inside Maya Protocol (MAYAChain)
Screenshots taken November 3, 2026
What you get with Maya Protocol (MAYAChain)
Yes, no or partly, from our dataPrivacy 2 of 6
- No IDYesBy design
- No accountYes
- Tor built inNot statedNot statedMaya Protocol (MAYAChain)'s own pages we checked do not say. This is not the same as no.
- Onion addressNoNone published
- I2P addressNoNone published
- Works without JavaScriptNot statedNot statedMaya Protocol (MAYAChain)'s own pages we checked do not say. This is not the same as no.
Coins 1 of 4, 1 partly
- BitcoinYes
- MoneroNo
- LightningNo
- ZcashPartlyTransparent addresses only
Custody and code 1 of 3
- You hold the keysNo
- Open sourceYes
- Address screeningNot statedNot statedMaya Protocol (MAYAChain)'s own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
When can Maya Protocol (MAYAChain) ask for your ID?
Never, by design, per Maya Protocol (MAYAChain)'s own pages. Labels come from each provider's terms, never from our guess.
- 1Never, by designMaya Protocol (MAYAChain) is on this stepNo company holds your order, so nobody can ask
- 2Only if you chooseID only for extras you opt into
- 3If a payment is flaggedNo ID by default; checks when a risk system flags you
- 4Above a limitID once you pass a stated amount
- 5AlwaysID before you trade, deposit or withdraw
If a check comes and you do not pass it
No KYC hold exists; network halts by node operators can stop all swaps (e.g. after the August 2026 exploit).
“Maya will never held or block your assets when swapping and does not require KYC.”
Not stated on Maya Protocol (MAYAChain)'s pages: what triggers a check, fee on refusal, refund policyMaya Protocol (MAYAChain)'s own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
Checked October 22, 2026
What Maya Protocol (MAYAChain) costs
| What | Maya Protocol (MAYAChain) |
|---|---|
| Trade fee | Fixed outbound fee plus a dynamic liquidity fee; interfaces may add an affiliate fee of 0 to 500 bps. |
| No-ID limit | Not statedMaya Protocol (MAYAChain)'s own pages we checked do not say, checked Oct 14, 2026. This is not the same as no. |
What Maya Protocol (MAYAChain) knows about you
Who sees what during a trade, and who runs it.
During a trade
No ID check does not make a bank payment private.
Network and who runs it
Checked October 22, 2026
Track record and code
1 item found; Maya post-mortem cited by press, primary text (X post) not retrieved.
Incidents
- 2026Aug 18, 2026: 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.
Checked October 23, 2026
Community
Discussions about Maya Protocol (MAYAChain) on Reddit (opens in a new tab) (r/MayaProtocol)
More facts we checked on Maya Protocol (MAYAChain)
- Onion address
- Not published
- I2P address
- Not published
Maya Protocol (MAYAChain) in the US and elsewhere
Maya Protocol (MAYAChain)'s pages name no blocked country. That is not a promise that it is legal where you live.
In the US
US availability: Available
If you are a US person, US sanctions rules apply to you whether or not a service asks for ID.
Outside the US
Excluded countries: none named on the page we checked.Maya Protocol (MAYAChain)'s pages list no excluded country or group. We show no flags because the list is empty.
Regional rule: Not statedMaya Protocol (MAYAChain)'s own pages we checked do not say. This is not the same as no.
Where you live and the provider's terms
Many services on this page do not serve every country. Some exclude people because of where they live or their citizenship, not only where they connect from. Read the provider's terms before you send funds. If the terms exclude you, do not use the service, and do not try to get around the restriction, for example with a VPN.
Taxes
A service that does not ask for ID does not change your taxes. In the US, the federal income tax return asks a yes-or-no question about digital assets, and you must report digital asset transactions whether or not they result in a gain or loss. In the UK, you may owe Capital Gains Tax when you sell, swap or spend crypto, and you must keep your own records. Rules in other countries differ.
No KYC is not anonymity
"No KYC" here means the provider says it does not ask for ID in the cases its terms describe. It does not make you anonymous. The provider's terms may let it ask for ID later. Regulated exchanges you send funds from or to may have to collect information about who sends and who receives a crypto transfer. Your tax duties stay the same.
Funds can be held
If a provider asks for more information during a swap or a withdrawal, it may hold your funds until it gets it. Its terms decide what happens next. In the UK, a crypto business that asks for information on a transfer to or from a self-custody wallet, and does not receive it, must not pass the funds on. Read what the provider's terms say before you send. Maya Protocol (MAYAChain)'s terms say that if a check is requested and not completed: no KYC hold exists; network halts by node operators can stop all swaps (e.g. after the August 2026 exploit).
Checked October 22, 2026
DEX and cross-chain to compare with Maya Protocol (MAYAChain)
Other active services in this category from our list. The shield shows each one's ID rule from its own terms.
Maya Protocol (MAYAChain) side by side
From our privacy data, the same fields for every service| What | Maya Protocol (MAYAChain) | Jupiter (jup.ag) | THORChain | Uniswap (Uniswap Labs interface) | 1inch | Chainflip |
|---|---|---|---|---|---|---|
| ID rule | No ID, by design | No ID, by design | No ID, by design | No ID, by design | ID only if flagged | ID only if flagged |
| Account | None | None | None | None | None | None |
| You hold the keys | No | Yes | No | Yes | Yes | No |
| Monero | No | No | Not stated | No | No | No |
| Lightning | No | No | No | No | No | No |
| Open source | Yes | Yes | Yes | Yes | Yes | Yes |
Checked October 23, 2026
Short answers about Maya Protocol (MAYAChain)
From the data on this page.
Does Maya Protocol (MAYAChain) ask for ID?
Maya Protocol (MAYAChain) never asks for ID by design, per its own pages. There is no account.
Who holds your coins during a Maya Protocol (MAYAChain) trade?
Held during the swap. Non-custodial for users; inbound funds and pool liquidity sit in network vaults (Asgard) secured by node operators, checked by an automatic solvency checker..
Can you buy Monero on Maya Protocol (MAYAChain)?
No. Maya Protocol (MAYAChain) does not list Monero, per its own pages.
What does Maya Protocol (MAYAChain) cost?
Trade fee: Fixed outbound fee plus a dynamic liquidity fee; interfaces may add an affiliate fee of 0 to 500 bps..
Who checked this page
Sources, how we read the terms and our process
Sources
- decrypt.co/375976/maya-protocol-halts-network-bitcoin-exploit, for incidents, checked October 14, 2026
- docs.mayaprotocol.com/deep-dive/how-it-works/fees.md, for fees, checked October 22, 2026
- docs.mayaprotocol.com/deep-dive/how-it-works/security.md, for custody and custody in detail, checked October 22, 2026
- docs.mayaprotocol.com/introduction/readme/getting-started, for Zcash address type, checked October 22, 2026
- docs.mayaprotocol.com/llms-full.txt, for I2P address, checked October 22, 2026
- gitlab.com/mayachain/mayanode, for open source, checked October 23, 2026
- mayanode.mayachain.info/mayachain/mimir, for status, checked October 22, 2026
- mayaprotocol.com, for data collected, operator and excluded countries, checked October 14, 2026
- mayaprotocol.com, for what happens if a check fails, onion address and US availability, checked October 22, 2026
- mayaprotocol.com/swap, for ID rule and account, checked October 22, 2026
- midgard.mayachain.info/v2/pools, for Monero, Zcash, bitcoin and Lightning, checked October 22, 2026
How we read the terms
We do not give privacy services a score. We record what each provider's own pages say: when it asks for ID, the limits, who holds your coins and what it costs. Labels come from each provider's terms, never from our guess. How we read the terms
Our process
We take fees, availability, licenses and coin counts from primary sources: Maya Protocol (MAYAChain)'s own fee schedules, terms and help pages, and the public registers kept by regulators. Every value carries the date we last checked it. The values on this page were checked between October 14, 2026 and October 23, 2026.
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.