XT.com review
XT.com is a centralized exchange that employs a separation between cold and hot wallets, alongside multi-signature security measures. The exchange's withdrawal guide permits unverified accounts to withdraw up to 200,000 USDT per day. Verification with a government ID increases this limit to 10,000,000 USDT and grants access to fiat purchases and P2P merchant services. The help center indicates that verification is mandatory where local laws demand it, so the requirements may vary depending on your location. XT.com shows a block notice to visitors from the US, and the Malaysia Securities Commission has issued an investor warning about it. In our view, check the rule for your country before you deposit.
Sources disagree on ID
XT.com's own pages do not give one answer on when it asks for ID.
Choose XT.com if
Who XT.com suits, from the values on this page.
XT.com suits you if
- You want Monero: XT.com lists it.
XT.com might not be the right fit if
- You do not want an account: XT.com needs one.
- You want Lightning: XT.com does not support it.
- You live in the US: XT.com is not available there.
- You want a service with no incident on record: XT.com had one in 2025.
Inside XT.com
Screenshots taken November 3, 2026
What you get with XT.com
Yes, no or partly, from our dataPrivacy 0 of 6
- No IDNot statedNot statedXT.com's own pages we checked do not say, checked Oct 23, 2026. This is not the same as no.
- No accountNo
- Tor built inNot statedNot statedXT.com'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 statedXT.com's own pages we checked do not say. This is not the same as no.
Coins 3 of 4
- BitcoinYes
- MoneroYes
- LightningNo
- ZcashYes
Custody and code 0 of 3
- You hold the keysNo
- Open sourceNot statedNot statedXT.com's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
- Address screeningNot statedNot statedXT.com's own pages we checked do not say. This is not the same as no.
When can XT.com ask for your ID?
XT.com's own pages disagree on when it asks for ID.
- 1Never, by designNo 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
For suspected illicit arbitrage or market abuse XT may require identity verification and impose profit confiscation, trading restrictions, asset freezes, account suspension or termination; serious violations can lead to account freezing or a market ban; XT may suspend or permanently stop services where the user's local law requires more information.
“Users found engaging in illicit arbitrage or market abuse may face identity verification, profit confiscation, trading restrictions, asset freezes, account suspension, or termination.”
What triggers a check: Withdrawals above 200,000 USDT per day; fiat transactions; P2P merchant application; suspected illicit arbitrage or market abuse (identity verification as a risk-control measure); suspicion of money laundering or terrorism financing, or doubts about the veracity or adequacy of information (customer due diligence); requirements of the laws of the user's country (User Agreement 5.8)
Not stated on XT.com's pages: fee on refusal, refund policyXT.com's own pages we checked do not say. This is not the same as no.
Checked October 23, 2026
What XT.com costs
| What | XT.com |
|---|---|
| Trade fee | Spot VIP 0: 0.2000% maker and taker (0.1500% when paid in XT token); futures VIP 0: 0.0200% maker, 0.0600% taker; tiers by 30-day assets or volume (since 2026-03-05). Withdrawal fee per coin and chain, e.g. 0.0001 BTC on the Bitcoin chain (API). |
| No-ID limit | Crypto withdrawals up to 200,000 USDT per day; no fiat purchases and no P2P merchant status without KYC. |
What XT.com 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
- Warrant canary
- Not published
Checked October 23, 2026
Track record and code
One wallet security incident (2024, platform funds only per XT), one regulator warning on I-SCAN.
Incidents
- 2025Sep 1, 2025: Investor warning by the Malaysia Securities Commission for XT.com (https://www.xt.com/en), listed on IOSCO I-SCAN.
- 2024Nov 28, 2024: Abnormal transfer of about 1 million USDT across 12 currencies from an XT.COM platform-owned wallet; withdrawals were temporarily suspended; XT says only its own assets were affected and no user funds.
Checked October 23, 2026
Community
Discussions about XT.com on Reddit (opens in a new tab) (r/XTExchange)
More facts we checked on XT.com
- Onion address
- Not published
- I2P address
- Not published
XT.com in the US and elsewhere
In the US
US availability: Not available
If you are a US person, US sanctions rules apply to you whether or not a service asks for ID.
Outside the US
Where XT.com does not serve
9 places in its terms- United States
Canada- Mainland China
Cuba
North Korea
Singapore
Sudan- Venezuela
- Crimea
Show all 9 places+3 moreShow fewer
Regional rule: Not statedXT.com'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. XT.com's terms say it can ask for ID in these cases: Withdrawals above 200,000 USDT per day; fiat transactions; P2P merchant application; suspected illicit arbitrage or market abuse (identity verification as a risk-control measure); suspicion of money laundering or terrorism financing, or doubts about the veracity or adequacy of information (customer due diligence); requirements of the laws of the user's country (User Agreement 5.8). 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. XT.com's terms say that if a check is requested and not completed: for suspected illicit arbitrage or market abuse XT may require identity verification and impose profit confiscation, trading restrictions, asset freezes, account suspension or termination; serious violations can lead to account freezing or a market ban; XT may suspend or permanently stop services where the user's local law requires more information.
Checked October 23, 2026
Exchanges to compare with XT.com
Other active services in this category from our list. The shield shows each one's ID rule from its own terms.
XT.com side by side
From our privacy data, the same fields for every service| What | XT.com | Crypton Exchange | NonKYC.io | BloFin | CoinEx | Pionex |
|---|---|---|---|---|---|---|
| ID rule | Not stated | No ID, by design | No ID, by design | ID above a limit | ID above a limit | ID above a limit |
| Account | Needed | Not stated | Needed | Needed | Needed | Needed |
| You hold the keys | No | Not stated | No | No | Not stated | No |
| Monero | Yes | Not stated | Yes | No | Not stated | No |
| Lightning | No | Not stated | No | Not stated | Not stated | No |
| Open source | Not stated | Not stated | No | No | Not stated | Not stated |
Checked October 23, 2026
Short answers about XT.com
From the data on this page.
Does XT.com ask for ID?
XT.com's own pages do not give one answer on when it asks for ID. You need an account.
How much can you trade on XT.com without ID?
200,000 USDT a day, withdrawals.
Who holds your coins during a XT.com trade?
Held by the provider. Custodial: exchange accounts with cold and hot wallet separation and multi-signature security.
Can you buy Monero on XT.com?
Yes. XT.com lists Monero.
What does XT.com cost?
Trade fee: Spot VIP 0: 0.2000% maker and taker (0.1500% when paid in XT token); futures VIP 0: 0.0200% maker, 0.0600% taker; tiers by 30-day assets or volume (since 2026-03-05). Withdrawal fee per coin and chain, e.g. 0.0001 BTC on the Bitcoin chain (API)..
Who checked this page
Sources, how we read the terms and our process
Sources
- iosco.org/i-scan, for incidents, checked October 23, 2026
- sapi.xt.com/v4/public/symbol, for Monero and Zcash, checked October 22, 2026
- sapi.xt.com/v4/public/wallet/support/currency, for bitcoin and Lightning, checked October 22, 2026
- support.xt.com/hc/en-us/articles/41878045265561-Withdrawal-Limit-Guide, for ID rule, checked October 23, 2026
- support.xt.com/hc/en-us/articles/45657159322137, for incidents, checked October 23, 2026
- support.xt.com/hc/en-us/articles/55364318957977, for ID rule, checked October 23, 2026
- support.xt.com/hc/en-us/articles/8597411796377, for ID rule, checked October 23, 2026
- xt.com/en, for onion address and I2P address, checked October 22, 2026
- xt.com/privacy-policy, for warrant canary, checked October 22, 2026
- xtsupport.zendesk.com/hc/en-us/articles/41878045265561-Withdrawal-Limit-Guide, for status, ID rule and no-ID limit, checked October 23, 2026
- xtsupport.zendesk.com/hc/en-us/articles/45657159322137-XT-COM-s-Post-Mortem-on-the-November-2024-Wallet-Security-Incident, for incidents, checked October 23, 2026
- xtsupport.zendesk.com/hc/en-us/articles/50917687982873-XT-Affiliate-Program-Introduction, for custody and custody in detail, checked October 23, 2026
- xtsupport.zendesk.com/hc/en-us/articles/55724657460889-XT-COM-Announcement-on-VIP-Fee-Rate-Adjustment, for fees, checked October 23, 2026
- xtsupport.zendesk.com/hc/en-us/articles/900001630823-Privacy-Terms, for data collected, checked October 23, 2026
- xtsupport.zendesk.com/hc/en-us/articles/900001631023-User-Agreement, for account, excluded countries and US availability, checked October 23, 2026
- xtsupport.zendesk.com/hc/en-us/articles/900006675406-XT-Risk-Control-Protocol, for what triggers a check and what happens if a check fails, checked October 23, 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: XT.com'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 22, 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.