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Lightning tools: when each one asks for ID

Of the 2 services in this category that have not closed, 2 never ask for ID by design.

By Ethan ParkerUpdated October 23, 2026How we read the terms

Best for you, by need

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.

Part of our privacy guide

2 services

Boltz

Paused

Lightning tool

Bitcoin, Lightning, You hold the keys, No account, Open source, Tor onion
ID rule: Never, by design. No company holds your order, so nobody can ask.
When they ask for ID
Never, by design
No-ID limit
Not stated
If a check fails
Holds 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."
Who holds your coins
You hold the keys

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).

Phoenix Wallet

Lightning tool

Bitcoin, Lightning, You hold the keys, No account, Open source, Open to US residents
ID rule: Never, by design. No company holds your order, so nobody can ask.
When they ask for ID
Never, by design
No-ID limit
Not stated
If a check fails
Holds no funds"The peer reserves the right to close channels, or reclaim liquidity from channels at any time."
Who holds your coins
You hold the keys

More in this guide

Sources

Sources, how we rate and our process

Sources

  1. apps.apple.com/us/app/phoenix-wallet/id1544097028, for Phoenix Wallet us availability, checked October 22, 2026
  2. github.com/ACINQ/phoenix, for Phoenix Wallet open source, checked October 22, 2026
  3. github.com/BoltzExchange/boltz-backend, for Boltz open source, checked October 22, 2026
  4. github.com/BoltzExchange/boltz-backend/blob/master/docs/index.md, for Boltz tor onion, checked October 22, 2026
  5. github.com/BoltzExchange/boltz-backend/blob/master/docs/swap-limits-and-fees.md, for Boltz fee, checked October 22, 2026
  6. github.com/BoltzExchange/boltz-web-app, for Boltz i2p, checked October 22, 2026
  7. github.com/BoltzExchange/boltz-web-app/blob/main/src/pages/Privacy.tsx, for Boltz data the policy collects, checked October 22, 2026
  8. github.com/BoltzExchange/boltz-web-app/blob/main/src/pages/Terms.tsx, for Boltz when they ask for id, Boltz if a check fails, Boltz who holds your coins, Boltz what triggers a check, Boltz coins, Boltz custody, in detail, Boltz account, Boltz operator and Boltz excluded countries, checked October 22, 2026
  9. itunes.apple.com/lookup, for Phoenix Wallet status, checked October 22, 2026
  10. phoenix.acinq.co/content/faq-2-trustnprivacy.md, for Phoenix Wallet who holds your coins and Phoenix Wallet custody, in detail, checked October 22, 2026
  11. phoenix.acinq.co/content/privacy.md, for Phoenix Wallet i2p, checked October 22, 2026
  12. phoenix.acinq.co/faq, for Phoenix Wallet fee, checked October 23, 2026
  13. phoenix.acinq.co/privacy, for Phoenix Wallet data the policy collects and Phoenix Wallet tor onion, checked October 22, 2026
  14. phoenix.acinq.co/terms, for Phoenix Wallet when they ask for id, Phoenix Wallet if a check fails, Phoenix Wallet coins, Phoenix Wallet account, Phoenix Wallet operator and Phoenix Wallet excluded countries, checked October 22, 2026
  15. x.com/Boltzhq/status/2084311537502630319, for Boltz status and Boltz incidents, checked October 22, 2026
  16. x.com/PhoenixWallet/status/1783878658014249027, for Phoenix Wallet incidents, checked October 22, 2026

How we rate

Every value we show comes from the provider's own pages: its terms, help center, app or code. We record when it asks for ID, its limit without ID and what its terms say happens to your coins if a check fails, each with the page and the date we checked it. Where its own pages disagree, we show both sides. How we rate

Our process

We take fees, availability, licenses and coin counts from primary sources: each provider'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. Ethan Parker, Senior Content Editor, checked this page; updated October 23, 2026.

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