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Instant swap

Swapuz review

Swapuz is a swap service run by Metachain LLC in Ukraine that says it offers 5000+ coins and uses a single-use deposit address for each order. Users can swap without needing an account, though creating one offers a 10% fee discount. The service maintains a KYC policy, meaning flagged transactions might be refunded minus fees, and deposits suspected of being fraudulent can be withheld until KYC is completed. Utilizing a VPN or proxy to bypass territorial restrictions is against the terms of service, and the United States, Canada, and France are off-limits. In our view, Swapuz is suitable for users outside these restricted countries.

Official siteCompare

ID only if flagged

Swapuz asks for ID only if a payment is flagged, per its own pages.

ActiveNo account

By Ethan ParkerChecked Oct 14, 2026 to Oct 23, 2026How we read the terms

ID if flaggedNo account neededID rule: If a payment is flagged. No ID by default; checks when a risk system flags you. Checked Oct 23, 2026.
Not statedSwapuz's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.No-ID limit per trade
XMRPlus BTC, ZECMonero, Bitcoin, Zcash: supported.
Held in a swapWho holds your coinsTransit: single-use deposit address per order; Swapuz controls assets only for the time needed to execute the order, run checks and process refunds; no custody accounts or balances. Checked Oct 23, 2026.
Not statedSwapuz's own pages we checked do not say. This is not the same as no.NetworkTor onion: None published. I2P: None published. Works without JavaScript: Not stated.
Our verdict

Choose Swapuz if

Who Swapuz suits, from the values on this page.

Swapuz suits you if

  • You want no ID for normal use: Swapuz asks only if a payment is flagged.
  • You want Monero: Swapuz lists it.

Swapuz might not be the right fit if

  • You want a market that can never ask for ID: Swapuz can ask if a payment is flagged.
  • You want Lightning: Swapuz does not support it.
  • You live in the US: Swapuz is not available there.

Best for

Monero for bitcoin

Swapuz
Monero and bitcoin Swapuz lists Monero and bitcoin. Checked Oct 22, 2026.
kycnot.me

What kycnot.me says about Swapuz

kycnot.me is an independent directory of services you can use without ID checks. The rating and notes below are its own, not ours.

KYC level
Level 3: Shotgun KYC

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).

kycnot.me score
4 out of 10 Privacy 29 out of 100, trust 59 out of 100
Listing status
Approved
Accepts as payment
MoneroBitcoin

Not accepted: Lightning, Fiat money, Cash.

Pros kycnot.me lists

  • Accepts Monero
  • No registration needed
  • Good Customer Support
  • Mature service
  • Non-custodial protocol
  • Legally registered

Cons kycnot.me lists

  • May require KYC/SOF by policy/law
  • Refunds may require KYC
  • Data Sharing
  • May Freeze or Seize Funds
  • KYC required for refund on AML flag
  • Liquidity Provider may block funds
  • Transaction monitoring

Also noted: Hybrid Liquidity, Third-Party Liquidity, JavaScript needed, Mobile app available, Some countries are restricted

Events kycnot.me lists

  1. No date given: Warning. kycnot.me writes: “Possible hidden fees | Act with caution”

Source: the kycnot.me listing. Swapuz on kycnot.me

Checked October 22, 2026

Platform

Inside Swapuz

Screenshots taken November 3, 2026

What you get with Swapuz

Yes, no or partly, from our data

Privacy 1 of 6, 1 partly

  • No IDIf a payment is flagged
  • No account
  • Tor built inNot statedSwapuz's own pages we checked do not say. This is not the same as no.
  • Onion addressNone published
  • I2P addressNone published
  • Works without JavaScriptNot statedSwapuz's own pages we checked do not say. This is not the same as no.

Coins 3 of 4

  • Bitcoin
  • Monero
  • Lightning
  • Zcash

Custody and code 0 of 3

  • You hold the keys
  • Open sourceNot statedSwapuz's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
  • Address screeningNot statedSwapuz's own pages we checked do not say. This is not the same as no.
ID check

When can Swapuz ask for your ID?

If a payment is flagged, per Swapuz's own pages. Labels come from each provider's terms, never from our guess.

  1. 1Never, by designNo company holds your order, so nobody can ask
  2. 2Only if you chooseID only for extras you opt into
  3. 3If a payment is flaggedSwapuz is on this stepNo ID by default; checks when a risk system flags you
  4. 4Above a limitID once you pass a stated amount
  5. 5AlwaysID before you trade, deposit or withdraw

If a check comes and you do not pass it

Held during checks; refund only after proof of entitlement (signature with the sending key and/or KYC); no refund after a request from a competent authority or a freeze by an exchange partner; requested information due within 30 days, otherwise the unclaimed-funds rules apply: free for 90 days, then a monthly fee of 3% or USD 200 equivalent, whichever is greater; after 36 months applied to the company's costs or to charity

“The Company may require proof of entitlement to the funds: a signature of a verification message with the private key of the sending address and/or completion of KYC. No refund is made until such proof is provided. [...] From day 91, the Company may charge a monthly processing fee equal to the greater of 3% of the funds held for each started month or USD 200 equivalent. [...] If no claim is made within 36 months from the date of receipt, the funds are deemed unclaimed and are applied towards the Company's costs or to charity.”

What triggers a check: Suspicious activity or elevated risk; AML/KYC check; failure to provide requested information; technical security threats; requirements of competent authorities; breach of the Terms; indications of use from a restricted jurisdiction; refund: proof of entitlement (signature with the sending key and/or KYC)

Not stated on Swapuz's pages: fee on refusal, refund policySwapuz's own pages we checked do not say. This is not the same as no.

If a trade goes wrong
Claims through the official support channel within 7 calendar days, with order number, hashes and addresses

Checked October 23, 2026

Fees and limits

What Swapuz costs

WhatSwapuz
Trade feeExchange fee and third-party commissions included in the shown rate; fee level not published; account holders get 10% off the fee
No-ID limitNot statedSwapuz's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.

Checked October 23, 2026

Trade limits
Minimum shown in the interface when the order is created; no maximum published (home page says finding the limits is hard)
Typical time
2 to 10 minutes (home page claim)
Your data

What Swapuz knows about you

Who sees what during a trade, and who runs it.

During a trade

Data the policy collects
Personal: e-mail only if voluntarily submitted; technical: browser name, computer type, operating system, internet service provider and similar; cookies: yes, for analysis; sharing: third-party identity verification services, exchange service providers, law enforcement; IP addresses to partners or authorities on request
What your payment reveals

No ID check does not make a bank payment private.

Network and who runs it

Network
Onion: None publishedI2P: None publishedWithout JavaScript: Not statedSwapuz's own pages we checked do not say. This is not the same as no.
Who runs it
Operator: LIMITED LIABILITY COMPANY «METACHAIN», Ukraine
Requests from authorities
Requests from law enforcement and other competent authorities go to [email protected]; no refund while such a request is pending
Warrant canary
Not published

Checked October 22, 2026

Safety

Track record and code

None found; phishing lookalike domains reported.

Incidents

None found

Open source
Not statedSwapuz's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
Audits
Not published
Bug bounty
Not published
Support
E-mail [email protected]; online support 24/7 (stated)
Wallet needed
Yes: a recipient address that matches the chosen network

Checked October 14, 2026

Reddit

Community

Discussions about Swapuz on Reddit (r/Swapuz)

More facts

More facts we checked on Swapuz

Coins listed
Provider headline: 5000+
Rate type
Fixed rate guaranteed for 30 minutes
Onion address
Not published
I2P address
Not published
Where you live

Swapuz in the US and elsewhere

In the US

US availability: Not available

Blocks US IPs
Terms: not provided to persons located in, resident in or acting from the United States
VPN clause in terms
No: using a VPN or proxy to get around the territorial restrictions breaches the terms

If you are a US person, US sanctions rules apply to you whether or not a service asks for ID.

Outside the US

Where Swapuz does not serve

38 places in its terms
  • United States of America
  • Canada
  • France
  • North Korea
  • Sudan
  • Russian-occupiedregions of Ukraine (Donetsk, Kherson, Luhansk, Zaporizhzhia, Crimea, Sevastopol)
  • Cuba
  • Syria
  • China
  • Japan
  • Iraq
  • Yemen
  • Somalia
  • Republic of Congo
  • Libya
  • Liberia
  • Eritrea
  • Mali
  • Zimbabwe
  • Côte d'Ivoire
  • Mainland China
  • Singapore
  • Germany
  • Hong Kong
  • Malaysia
  • Malta
  • Spain
  • Netherlands
  • Bolivia
  • UK
  • Myanmar
  • Venezuela
  • Uzbekistan
  • Austria
  • India
  • Indonesia
  • Iran
  • any jurisdiction subject to sanctions or embargo regimes of OFAC, the EU, the UN or the United Kingdom
Show all 38 places+32 moreShow fewer

Regional rule: Not statedSwapuz's own pages we checked do not say. This is not the same as no.

Site blocks by region
Restricted: United States, Canada, France, North Korea, Sudan, Russian-occupied regions of Ukraine, Indonesia, Iran and sanctioned jurisdictions; the company does not have to verify location

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. Swapuz's terms say it can ask for ID in these cases: Suspicious activity or elevated risk; AML/KYC check; failure to provide requested information; technical security threats; requirements of competent authorities; breach of the Terms; indications of use from a restricted jurisdiction; refund: proof of entitlement (signature with the sending key and/or KYC). 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. Swapuz's terms say that if a check is requested and not completed: held during checks; refund only after proof of entitlement (signature with the sending key and/or KYC); no refund after a request from a competent authority or a freeze by an exchange partner; requested information due within 30 days, otherwise the unclaimed-funds rules apply: free for 90 days, then a monthly fee of 3% or USD 200 equivalent, whichever is greater; after 36 months applied to the company's costs or to charity.

Checked October 23, 2026

Alternatives

Instant swaps to compare with Swapuz

Other active services in this category from our list. The shield shows each one's ID rule from its own terms.

BitcoinVN ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
CCE Cash ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
ChangeHero Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
Changelly Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
EasyBit Bitcoin ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.

Swapuz side by side

From our privacy data, the same fields for every service
WhatSwapuzBitcoinVNCCE CashChangeHeroChangellyEasyBit
ID ruleID only if flaggedID only if flaggedID only if flaggedID only if flaggedID only if flaggedID only if flagged
AccountNoneNoneNoneNoneNone
You hold the keys
Monero
Lightning
Open source

Checked October 28, 2026

Browse Instant swapsWhere to buy MoneroBuy bitcoin without KYC
FAQ

Short answers about Swapuz

From the data on this page.

Does Swapuz ask for ID?

Swapuz asks for ID only if a payment is flagged, per its own pages. There is no account.

Who holds your coins during a Swapuz trade?

Held during the swap. Transit: single-use deposit address per order; Swapuz controls assets only for the time needed to execute the order, run checks and process refunds; no custody accounts or balances.

Can you buy Monero on Swapuz?

Yes. Swapuz lists Monero.

What does Swapuz cost?

Trade fee: Exchange fee and third-party commissions included in the shown rate; fee level not published; account holders get 10% off the fee.

Author

Who checked this page

Ethan Parker

Senior Content Editor

Every value on this page comes from Swapuz's own pages and code, read on the dates shown. The kycnot.me section is the exception: it shows kycnot.me's own rating. Checked Oct 14, 2026 to Oct 23, 2026.

More from Ethan ParkerHow we read the terms
Sources

Sources, how we read the terms and our process

Sources

  1. api.swapuz.com/api/home/v1/coins, for Monero, Zcash, bitcoin and Lightning, checked October 22, 2026
  2. kycnot.me/service/swapuz, for kycnot.me rating, checked October 22, 2026
  3. partner.swapuz.com, for coins listed, checked October 22, 2026
  4. swapuz.com, for status, account, onion address, I2P address and typical time, checked October 22, 2026
  5. swapuz.com/how-to-use, for wallet needed, checked October 22, 2026
  6. swapuz.com/privacy-policy, for data collected, checked October 22, 2026
  7. swapuz.com/terms-of-use, for operator, checked October 14, 2026
  8. swapuz.com/terms-of-use, for if a trade goes wrong, trade limits, requests from authorities, warrant canary, audits, bug bounty, support, blocks US IPs, VPN clause in terms, site blocks by region and rate type, checked October 22, 2026
  9. swapuz.com/terms-of-use, for ID rule, what triggers a check, what happens if a check fails, custody, custody in detail, excluded countries, US availability and fees, 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: Swapuz'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.