FixedFloat review
FixedFloat is a swap service managed by FFGX Group LLC under the jurisdiction of Georgia. This service needs no registration, login, or personal information. It does not hold deposits or balances. Fees are 1% for a fixed rate and 0.5% for a floating rate, plus the network fee. Checks start with the funds: if they are clearly linked to crime, the order can be suspended until you explain where they came from. The terms exclude citizens and residents of the United States, as well as any individuals in Georgia or India. In our view, FixedFloat suits swappers who want a published fee and have nothing to explain.
ID only if flagged
FixedFloat asks for ID only if a payment is flagged, per its own pages.
Choose FixedFloat if
Who FixedFloat suits, from the values on this page.
FixedFloat suits you if
- You want no ID for normal use: FixedFloat asks only if a payment is flagged.
- You want Monero: FixedFloat lists it.
- You want to pay or get paid over Lightning.
FixedFloat might not be the right fit if
- You want a market that can never ask for ID: FixedFloat can ask if a payment is flagged.
- You live in the US: FixedFloat is not available there.
Best for
Monero for bitcoin
What kycnot.me says about FixedFloat
kycnot.me is an independent directory of services you can use without ID checks. The rating and notes below are its own, not ours.
An ID check or a hold on funds can come up during a transaction, usually through anti-money-laundering screening, limits or partner rules. kycnot.me sorts services into five levels, from 0 (never asks for ID) to 4 (ID is mandatory).
Not accepted: Fiat money, Cash.
Pros kycnot.me lists
- Accepts Monero
- No registration needed
- Good Customer Support
- Mature service
- Own liquidity
- Legally registered
Cons kycnot.me lists
- May require KYC/SOF by policy/law
- Hard KYC process
- Refunds may require KYC
- Data Sharing
- May Freeze or Seize Funds
- SoF may be required for refunds
- Transaction monitoring
- Source code is private
Also noted: API available, JavaScript needed, Telegram bot available, Some countries are restricted
Events kycnot.me lists
- No date given: Warning. kycnot.me writes: “Compliance procedures update”
- No date given: Information. kycnot.me writes: “Legal entity registration location changed”
Source: the kycnot.me listing. FixedFloat on kycnot.me (opens in a new tab)
Checked October 22, 2026
Inside FixedFloat
Screenshots taken November 3, 2026
What you get with FixedFloat
Yes, no or partly, from our dataPrivacy 1 of 6, 1 partly
- No IDPartlyIf a payment is flagged
- No accountYes
- Tor built inNot statedNot statedFixedFloat'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 statedFixedFloat's own pages we checked do not say. This is not the same as no.
Coins 3 of 4, 1 partly
- BitcoinYes
- MoneroYes
- LightningYes
- ZcashPartlyOnly as the coin you receive
Custody and code 0 of 3
- You hold the keysNo
- Open sourceNot statedNot statedFixedFloat's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
- Address screeningNot statedNot statedFixedFloat's own pages we checked do not say. This is not the same as no.
When can FixedFloat ask for your ID?
If a payment is flagged, per FixedFloat's own pages. Labels come from each provider's terms, never from our guess.
- 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 flaggedFixedFloat is on this stepNo 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
Order suspended to request source-of-funds details when the funds sent are clearly related to criminal activity (7.1); as an exception identity verification, refund only after verification and only to the sending address (7.9); freeze for the return of funds to victims with law enforcement only when the data is refused or false and the data confirms a connection to criminal activity (7.8)
“However, when the User sends funds that are clearly related to criminal activity, the User's Order may be suspended in order to request details about the origin of the funds sent until the requested information is provided. [...] If you refuse to provide data about the origin of the funds sent or provide false data, and if the data you provide confirms your connection to criminal activity, FixedFloat has the right to freeze the funds for the subsequent return of funds to the victims with the assistance of law enforcement agencies. [...] as an exception, the User may be asked to undergo identity verification. Refunds are made only after verification and exclusively to the address from which they were received.”
What triggers a check: Funds clearly related to criminal activity: order suspended, source of funds requested by e-mail; funds linked to sanctioned addresses or laundering services: suspension and freeze; abuse of the refund rules: KYC and source-of-funds checks; exception: identity verification when the source of funds cannot be shown
Refund policy: Own technical failure: solution within 24 hours; over limit or supported wrong network: within 7 days of the request; unsupported network or coin: within 30 days, only above 20 USD, recovery commission; fixed rate missed: refund minus network commission or continue at the new rate; discretion: support may refuse suspension or refund requests without reasons
Not stated on FixedFloat's pages: fee on refusalFixedFloat's own pages we checked do not say. This is not the same as no.
- If a trade goes wrong
- Disputes are settled by negotiation, with e-mail correspondence with [email protected] as the official channel
Checked October 22, 2026
What FixedFloat costs
| What | FixedFloat |
|---|---|
| Fixed pct | 1 |
| Float pct | 0.5 |
| Network fee | Extra; sending and consolidation fees included in the displayed rate |
- Trade limits
- Rule: min and max per pair shown on the main page; BTC ETH float: min: 0.0001291200 BTC; max: 1.1907057600 BTC; min USD: 10.52; max USD: 97,042; USDT TRC20 BTC float: min: 12.9568268995 USDTTRC; max: 146901.5700000000 USDTTRC
- Typical time
- Not published
No-ID limits per trade
3 limits from FixedFloat's pages| Where | Limit |
|---|---|
| No-ID limit | Min and max per pair shown on the main page |
| BTC to ETH at a floating rate | 0.0001291200 BTC to 1.1907057600 BTC |
| USDT (TRC20) to BTC at a floating rate | 12.9568268995 USDTTRC to 146901.5700000000 USDTTRC |
Checked October 22, 2026
What FixedFloat 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
- Governance
- FFGX Group LLC, Georgia (company)
- Requests from authorities
- Law enforcement requests are one of the sources FixedFloat uses to link funds to crime; funds are frozen until an official request arrives when the sender cannot be established
- Warrant canary
- Not published
Checked October 22, 2026
Track record and code
Incidents
Not statedFixedFloat's own pages we checked do not say, checked Oct 4, 2026. This is not the same as no.
- Regulator warnings
- None found
- Audits
- Not published
- Bug bounty
- Not published
- Support
- Channels: live chat; Telegram bot @fixedfloatbot; e-mail [email protected]; hours: 24/7
- Wallet needed
- Yes: a receiving address; FixedFloat keeps no deposits or balances
Checked October 14, 2026
Community
Discussions about FixedFloat on Reddit (opens in a new tab) (r/FixedFloat)
More facts we checked on FixedFloat
- Coins listed
- Listed entries per network: 72; distinct assets: 44; xml codes: 66; xml pairs: 4,161
- Networks
- Not published
- Rate type
- Fixed: rate frozen 10 minutes; transaction must reach the mempool within 10 minutes; over 1.2% market move: refund or continue at market rate; float: order expires after 30 minutes without deposit; rate set within 10 minutes after confirmations
- Log retention
- No fixed period: personal data kept for a reasonable period or as long as laws require, also after the exchange is completed
- Onion address
- Not published
- I2P address
- Not published
FixedFloat in the US and elsewhere
In the US
US availability: Not available
- Blocks US IPs
- Terms: citizens and residents of the United States may not use the service; technical block: the home page HTML carries a notice that U.S. persons cannot make an exchange
- VPN clause in terms
- Not published
If you are a US person, US sanctions rules apply to you whether or not a service asks for ID.
Outside the US
Where FixedFloat does not serve
4 places in its terms- Georgia (located in or accessing from)
- India (located in or accessing from)
- United States (citizens and residents)
- countries on the United Nations Sanctions List
Regional rule: Not statedFixedFloat's own pages we checked do not say. This is not the same as no.
- Site blocks by region
- Georgia (located in or accessing from); India (located in or accessing from); United States (citizens and residents); countries on the United Nations Sanctions List
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. FixedFloat's terms say it can ask for ID in these cases: Funds clearly related to criminal activity: order suspended, source of funds requested by e-mail; funds linked to sanctioned addresses or laundering services: suspension and freeze; abuse of the refund rules: KYC and source-of-funds checks; exception: identity verification when the source of funds cannot be shown. 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. FixedFloat's terms say that if a check is requested and not completed: order suspended to request source-of-funds details when the funds sent are clearly related to criminal activity (7.1); as an exception identity verification, refund only after verification and only to the sending address (7.9); freeze for the return of funds to victims with law enforcement only when the data is refused or false and the data confirms a connection to criminal activity (7.8).
Checked October 22, 2026
Instant swaps to compare with FixedFloat
Other active services in this category from our list. The shield shows each one's ID rule from its own terms.
FixedFloat side by side
From our privacy data, the same fields for every service| What | FixedFloat | BitcoinVN | CCE Cash | ChangeHero | Changelly | EasyBit |
|---|---|---|---|---|---|---|
| ID rule | ID only if flagged | ID only if flagged | ID only if flagged | ID only if flagged | ID only if flagged | ID only if flagged |
| Account | None | None | None | None | Not stated | None |
| You hold the keys | No | Not stated | Not stated | No | No | No |
| Monero | Yes | Not stated | Not stated | Yes | Yes | No |
| Lightning | Yes | Not stated | Not stated | No | No | No |
| Open source | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Checked October 28, 2026
Short answers about FixedFloat
From the data on this page.
Does FixedFloat ask for ID?
FixedFloat asks for ID only if a payment is flagged, per its own pages. There is no account.
How much can you trade on FixedFloat without ID?
Min and max per pair shown on the main page; BTC to ETH at a floating rate: 0.0001291200 BTC to 1.1907057600 BTC; USDT (TRC20) to BTC at a floating rate: 12.9568268995 USDTTRC to 146901.5700000000 USDTTRC.
Who holds your coins during a FixedFloat trade?
Held during the swap. Non-custodial (no balances); funds pass through FixedFloat hot wallets, see incidents.
Can you buy Monero on FixedFloat?
Yes. FixedFloat lists Monero.
What does FixedFloat cost?
Fixed pct: 1; Float pct: 0.5; Network fee: Extra; sending and consolidation fees included in the displayed rate.
Who checked this page
Sources, how we read the terms and our process
Sources
- ff.io, for status, checked October 5, 2026
- ff.io, for Lightning, onion address, I2P address and coins listed, checked October 22, 2026
- ff.io/faq, for typical time, support and rate type, checked October 22, 2026
- ff.io/faq, for fees, checked October 23, 2026
- ff.io/privacy-policy, for data collected and log retention, checked October 22, 2026
- ff.io/rates/float.xml, for networks, checked October 22, 2026
- ff.io/rates/float.xml, for Monero, Zcash and bitcoin, checked October 23, 2026
- ff.io/terms-of-service, for refund policy, checked October 5, 2026
- ff.io/terms-of-service, for ID rule, what triggers a check, no-ID limit, what happens if a check fails, custody, custody in detail, account, operator, excluded countries, US availability, if a trade goes wrong, trade limits, governance, requests from authorities, warrant canary, audits, bug bounty, wallet needed, blocks US IPs, VPN clause in terms and site blocks by region, checked October 22, 2026
- iosco.org/i-scan, for regulator warnings, checked October 22, 2026
- kycnot.me/service/fixedfloat, for kycnot.me rating, 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: FixedFloat'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 5, 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.