We found 13 instant swaps and aggregators that support Monero and do not ask for ID up front. If a check fails, 1 refunds your coins, 1 refunds them minus a fee, 4 hold them until you show ID, 5 can freeze them and 2 do not say.
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.
A Monero swap converts bitcoin or another cryptocurrency into XMR, or vice versa, without requiring an exchange account. Each service listed here says it does not request ID before a standard swap, though they may still do so if their risk assessments flag a deposit, such as one associated with sanctioned addresses or illegal activities.
In our view, the key difference lies in the treatment of your coins during such a check. ChangeHero says it refunds a swap you decline to verify, minus a 10% operational fee of at least $100. Quickex may freeze a flagged deposit until full KYC is completed and returns the funds only after the check is successful, charging a 5% commission. Wagyu says that blocked deposits are returned to their original address.
Aggregators like Trocador and Swapzone forward your swap to a partner exchange, where the partner's own checks are applied. The rows below outline each service's policy, organized by when they request ID. In our view, read what happens after a failed check before you send a large amount.
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
No hard maximum per swap; minimum per pair
If a check fails
Refund minus a fee"In case the User does not wish to disclose their identity for certain reasons and refuses to undergo the KYC/AML procedure, ChangeHero has the right to terminate the exchange and the deposited funds are then transferred back to the initial address the deposit was made from, subtracting the network fee and ChangeHero operational fee in amount of 10% from transferred assets but not less than 100 USD equivalent."
Who holds your coins
Held during the swap
What triggers a check: Flag by the automated risk-scoring system (criteria not disclosed); occasional transactions of 1,000 EUR or more (AML policy 2022); suspicion of money laundering or terrorist financing; high-risk criteria named in the AML policy incl. use of TOR network services with changing country IPs, mixer or tumbler use, secure untraceable cryptocurrencies, high-risk regions; PEP, FATF high-risk countries (EDD).
Several limitsMaximum: no set amount restrictions stated; With ID: basic KYC up to 10,000 EUR per 48 hours
If a check fails
Held until ID"In case a transaction is spotted by our risk scoring system as suspicious, the transaction will be put on hold,"
Who holds your coins
Held during the swap
What triggers a check: Transaction flagged by the risk scoring system: put on hold, identity collected; AML/KYC may be applied to particular users, addresses and transactions; basic KYC (passport) up to 10,000 EUR per 48 hours; advanced KYC above.
Data exposure (API broken access control), May 2026
Instant swap
Monero, Bitcoin, Lightning, No account
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
No maximum limit stated
If a check fails
Can be frozen"If the funds that came to the deposit under your transaction were recognized by the system as suspicious, we may ask you for information to verify the source of the funds. If you refuse to provide such information, we are not responsible for ensuring the refund or completion for this transaction."
Who holds your coins
Held during the swap
What triggers a check: Transaction amount; transaction frequency; blockchain analysis results; source of funds indications; sanctions screening results; geographical risks; wallet risk assessment; pattern of suspicious transactions; request of regulatory or law enforcement agencies; third party exchanges requirements; EDD: high value transactions, high risk jurisdictions, PEP, sanctions, high risk wallets.
Several limitsMin 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
If a check fails
Held until ID"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."
Who holds your coins
Held during the swap
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. Zcash: only as the coin you receive.
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
Maximum per swap: USD 400,000
If a check fails
Not stated
Who holds your coins
Held during the swap
What triggers a check: Partner real-time AML screening flags links to sanctioned wallets or criminal activity; automated screening by Houdini (third-party analytics, IP geolocation) for illicit activity, fraud, phishing, sanctioned persons; access from restricted jurisdictions or via Tor.
Monero, Bitcoin, Lightning, Zcash, No account, Tor onion
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
Several limitsPer-pair minimum and maximum in the calculator; no general cap stated
If a check fails
Can be frozen"Return of blocked assets is possible only after passing a KYC check. [...] Based on the results of a positive KYC check, the client will be refunded with a commission of 5%. [...] Return of assets is not possible if the Client does not provide the information requested by the Quickex.io AML Officer by email within 30 calendar days."
Who holds your coins
Held during the swap
What triggers a check: AML risk score above 40%; labels incl. dark service, scam, stolen, mixing (mixer), ransomware, hack, phishing, sanctions, gambling and others; request from the liquidity provider (exchange); request from competent authorities; suspicion of the Quickex AML officer; funds from Garantex, Tornado Cash, Hydra, Blender.io, Lazarus Group, Genesis Market, ChipMixer, Shinbad.io, Commex, Iranian and sanctioned-country platforms, darknet markets (blocked); FreeWallet, Join Market Project, Railgun, Rapira, Capitalist, Nobitex, Wasabi Wallet may be high risk.
Several limitsMaximum at a floating rate: no strict upper limit; Fixed rate: may be limited by pair and liquidity; Minimum: per pair, shown in the exchange flow
If a check fails
Can be frozen"we reserve the right to freeze any funds that are suspected to be involved in illegal activity. [...] We impose an additional fee of 1% of the retuned amount to cover administrative expenses, with a minimum charge of $100."
Who holds your coins
Held during the swap
What triggers a check: Transaction flagged as suspicious by SimpleSwap or a partner system; compliance, AML, governmental or financial institution requirements; mandatory KYC on any transaction at SimpleSwap discretion after risk triggers; fiat purchases: provider KYC.
Several limitsMaximum at a floating rate: no maximum; Minimum: per pair, shown on the main page
If a check fails
Can be frozen"Compliance Hold Risk. Transactions may be delayed, withheld, refunded, or (where legally required) transferred to a competent authority as a result of compliance screening, verification requirements, or legal orders."
Who holds your coins
Held during the swap
What triggers a check: Wallet blacklisted by liquidity providers; transaction considered suspicious; risk-based KYC or source-of-funds request at any time, before, during or after a transaction.
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
Not stated
If a check fails
Held until ID"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."
Who holds your coins
Held during the swap
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).
Monero, Bitcoin, Lightning, Zcash, No account, Open to US residents
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
Not stated
If a check fails
Can be frozen"A VC exchange can retain and confiscate all VCs sourced from what they believe to be illegal or suspicious sources at its sole discretion. Swapzone is not responsible for any actions taken by VC exchangers in this regard. [...] For this reason, Swapzone can not be responsible for any reimbursements, refunds as well as carry any other financial liability towards Clients."
Who holds your coins
Held during the swap
What triggers a check: Suspicious activity detected (Swapzone or partner); suspicious or large transactions (Swapzone may share the IP address with the relevant authority and contact the exchange); funds a partner believes come from illegal or suspicious sources.
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
Several limitsMinimum, for example: 0.000614 BTC (BTC to XMR, home page default); Maximum: per partner, not stated by Trocador
If a check fails
Held until ID"Trocador will reimburse the user up to the protected amount. The protected amount is defined at the moment of the transaction's creation, shown as a percentage of the transaction and stored together with it. [...] This guarantee does NOT cover trades with exchanges rated as D. [...] Trocador will not reimburse transactions that are known to be halted because of a police request and/or legal order"
Who holds your coins
Held during the swap
What triggers a check: Partner believes funds are from illegal activities; funds with high AML risk, from mixers or illegal activities: orders refused by partners; OFAC sanctioned addresses automatically refused; Trocador Guarantee claim where the exchange reports a suspected sanctioned person: Trocador asks for information.
Monero, Bitcoin, Zcash, No account, Open to US residents
ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
When they ask for ID
If a payment is flagged
No-ID limit
Several limitsDaily limit: none stated; Minimums: SOL to XMR $20, BTC to XMR $40, XMR to BTC $25 (default networks)
If a check fails
Refund"Transactions will not be permitted to proceed and will be returned to the originating address. No Assets will be frozen or seized under this paragraph absent a court order as required by paragraph (a). [...] A formal court order or equivalent legal instrument is required before Wagyu will act to freeze or seize User Assets. This requirement applies without exception."
Who holds your coins
Held during the swap
What triggers a check: Address or transaction fails pre-execution screening; address associated with a Restricted Person or sanctions; address Wagyu determines may be associated with illegal activity (Blocked Address); Prohibited Transactions (e.g. darknet markets, unlicensed gambling, money laundering).
No services match all of these filters.
Questions
Do these Monero swaps ask for ID?
Not before a normal swap. Each one says it can ask for ID, or for proof of where the funds came from, if its risk checks flag a deposit. Aggregators also follow the rules of the partner exchange that runs the swap.
What happens to your coins if a check fails?
It depends on the service. SimpleSwap can freeze suspected funds during an investigation and charges 1% of a returned amount, at least $100. Changelly holds a flagged swap until it has your identity data. Wagyu returns blocked deposits to the address they came from.
Which Monero swaps can you reach over Tor?
Quickex and Intercambio publish a Tor onion address. Our page of crypto services with a Tor onion lists every service we found with one. Crypto services with a Tor onion
Do these services also swap Zcash?
Most of them support Zcash. Our page of Zcash swaps lists them and shows which ones pay out to a shielded address. No-KYC Zcash swaps
api-beta.wagyu.xyz/v2/swaps/assets, for Wagyu coins, checked October 22, 2026
api.swapuz.com/api/home/v1/coins, for Swapuz coins, checked October 22, 2026
cdn.prod.website-files.com/69143df941a2491956546ef7/6a579a7d3db98c279dc6020b_Houdini%20Swap%20-%20Terms%20of%20Service-14673161-v6.pdf, for Houdini Swap who holds your coins, Houdini Swap what triggers a check, Houdini Swap custody, in detail, Houdini Swap operator, Houdini Swap excluded countries and Houdini Swap us availability, checked October 23, 2026
changehero.io, for ChangeHero tor onion, checked October 14, 2026
changehero.io, for ChangeHero i2p, checked October 15, 2026
changehero.io, for ChangeHero no-id limit, ChangeHero account and ChangeHero status, checked October 22, 2026
changehero.io, for ChangeHero who holds your coins, ChangeHero custody, in detail and ChangeHero fee, checked October 23, 2026
changehero.io/currencies, for ChangeHero coins, checked October 23, 2026
changehero.io/legal/aml-kyc, for ChangeHero what triggers a check, checked October 22, 2026
changehero.io/legal/privacy-policy, for ChangeHero data the policy collects, checked October 22, 2026
changehero.io/legal/terms-of-use, for ChangeHero when they ask for id, ChangeHero if a check fails, ChangeHero fee on refusal, ChangeHero excluded countries and ChangeHero us availability, checked October 22, 2026
changehero.io/mrkt/contact-us, for ChangeHero operator, checked October 22, 2026
changelly.com, for Changelly status, checked October 5, 2026
changelly.com, for Changelly no-id limit, Changelly tor onion and Changelly i2p, checked October 22, 2026
changelly.com/aml-kyc, for Changelly when they ask for id, Changelly if a check fails and Changelly what triggers a check, checked October 22, 2026
changelly.com/privacy-policy, for Changelly data the policy collects, checked October 22, 2026
changelly.com/supported-currencies, for Changelly coins, checked October 22, 2026
changelly.com/terms-of-use, for Changelly refund policy, checked October 5, 2026
changelly.com/terms-of-use, for Changelly who holds your coins, Changelly custody, in detail, Changelly account, Changelly excluded countries, Changelly us availability and Changelly fee, checked October 22, 2026
docs.houdiniswap.com/overview/coverage-and-economy/chain-tokens-partners.md, for Houdini Swap coins, checked October 23, 2026
docs.houdiniswap.com/overview/coverage-and-economy/monetization-and-fees.md, for Houdini Swap fee, checked October 22, 2026
docs.houdiniswap.com/overview/getting-started/privacy-and-compliance.md, for Houdini Swap no-id limit and Houdini Swap tor onion, checked October 22, 2026
docs.houdiniswap.com/products/swap-transfer/privacy-notice.md, for Houdini Swap data the policy collects, checked October 22, 2026
docs.houdiniswap.com/support-and-faqs/faqs.md, for Houdini Swap when they ask for id, checked October 22, 2026
docs.wagyu.xyz/compliance-policy, for Wagyu if a check fails, Wagyu what triggers a check, Wagyu address screening, Wagyu excluded countries and Wagyu us availability, checked October 22, 2026
docs.wagyu.xyz/privacy-policy, for Wagyu data the policy collects and Wagyu operator, checked October 22, 2026
exolix.com, for Exolix tor onion, Exolix i2p and Exolix status, checked October 22, 2026
exolix.com, for Exolix who holds your coins, Exolix custody, in detail and Exolix works without javascript, checked October 23, 2026
exolix.com/about, for Exolix no-id limit, checked October 22, 2026
exolix.com/aml-kyc, for Exolix when they ask for id and Exolix what triggers a check, checked October 22, 2026
exolix.com/aml-kyc, for Exolix excluded countries, checked October 23, 2026
exolix.com/api/v2/currencies, for Exolix coins, checked October 22, 2026
exolix.com/faq, for Exolix account, checked October 22, 2026
exolix.com/privacy, for Exolix data the policy collects, checked October 22, 2026
exolix.com/terms, for Exolix if a check fails and Exolix fee, checked October 22, 2026
ff.io, for FixedFloat status, checked October 5, 2026
ff.io, for FixedFloat tor onion and FixedFloat i2p, checked October 22, 2026
ff.io/faq, for FixedFloat fee, checked October 23, 2026
ff.io/privacy-policy, for FixedFloat data the policy collects, checked October 22, 2026
ff.io/rates/float.xml, for FixedFloat coins, checked October 23, 2026
ff.io/terms-of-service, for FixedFloat refund policy, checked October 5, 2026
ff.io/terms-of-service, for FixedFloat when they ask for id, FixedFloat no-id limit, FixedFloat if a check fails, FixedFloat who holds your coins, FixedFloat what triggers a check, FixedFloat custody, in detail, FixedFloat account, FixedFloat operator, FixedFloat excluded countries and FixedFloat us availability, checked October 22, 2026
houdiniswap.com, for Houdini Swap account, Houdini Swap i2p and Houdini Swap status, checked October 22, 2026
intercambio.app, for Intercambio when they ask for id, Intercambio who holds your coins, Intercambio coins, Intercambio custody, in detail, Intercambio account, Intercambio data the policy collects, Intercambio tor onion, Intercambio i2p, Intercambio works without javascript, Intercambio operator, Intercambio us availability, Intercambio status and Intercambio fee, checked October 22, 2026
quickex.io, for Quickex i2p and Quickex status, checked October 22, 2026
quickex.io, for Quickex account and Quickex tor onion, checked October 23, 2026
quickex.io/api/v2/instruments/public, for Quickex coins, checked October 22, 2026
quickex.io/docs/aml-policy, for Quickex when they ask for id, Quickex if a check fails, Quickex what triggers a check and Quickex fee on refusal, checked October 22, 2026
quickex.io/docs/privacy-policy, for Quickex data the policy collects, checked October 22, 2026
quickex.io/docs/terms-of-use, for Quickex operator, Quickex excluded countries, Quickex us availability and Quickex fee, checked October 22, 2026
quickex.io/docs/terms-of-use, for Quickex who holds your coins and Quickex custody, in detail, checked October 23, 2026
quickex.io/exchange-btc-xmr, for Quickex no-id limit, checked October 23, 2026
rastersec.com/blog/exolix-swapper-dump, for Exolix incidents, checked October 14, 2026
simpleswap.io, for SimpleSwap tor onion and SimpleSwap i2p, checked October 22, 2026
simpleswap.io/aml-kyc, for SimpleSwap when they ask for id, checked October 22, 2026
simpleswap.io/api/v3/currencies, for SimpleSwap zcash address type, checked October 22, 2026
simpleswap.io/coins, for SimpleSwap coins, checked October 22, 2026
simpleswap.io/faq, for SimpleSwap no-id limit, SimpleSwap what triggers a check, SimpleSwap account and SimpleSwap fee, checked October 22, 2026
simpleswap.io/privacy-policy, for SimpleSwap data the policy collects, checked October 22, 2026
simpleswap.io/terms-of-service, for SimpleSwap refund policy, checked October 5, 2026
simpleswap.io/terms-of-service, for SimpleSwap if a check fails, SimpleSwap who holds your coins, SimpleSwap fee on refusal, SimpleSwap custody, in detail, SimpleSwap excluded countries, SimpleSwap us availability and SimpleSwap status, checked October 22, 2026
stealthex.io, for StealthEX tor onion and StealthEX i2p, checked October 22, 2026
stealthex.io/api/exchange/pairs/btc, for StealthEX zcash address type, checked October 22, 2026
stealthex.io/exchange-pairs/bitcoin-to-monero, for StealthEX coins, checked October 23, 2026
stealthex.io/faq, for StealthEX no-id limit, StealthEX who holds your coins, StealthEX what triggers a check, StealthEX address screening, StealthEX custody, in detail and StealthEX account, checked October 22, 2026
stealthex.io/privacy-policy, for StealthEX data the policy collects, checked October 22, 2026
stealthex.io/terms, for StealthEX refund policy, checked October 5, 2026
stealthex.io/terms, for StealthEX when they ask for id, StealthEX if a check fails, StealthEX excluded countries, StealthEX status and StealthEX fee, checked October 22, 2026
swapuz.com, for Swapuz account, Swapuz tor onion, Swapuz i2p and Swapuz status, checked October 22, 2026
swapuz.com/privacy-policy, for Swapuz data the policy collects, checked October 22, 2026
swapuz.com/terms-of-use, for Swapuz operator, checked October 14, 2026
swapuz.com/terms-of-use, for Swapuz when they ask for id, Swapuz if a check fails, Swapuz who holds your coins, Swapuz what triggers a check, Swapuz custody, in detail, Swapuz excluded countries, Swapuz us availability and Swapuz fee, checked October 23, 2026
swapzone.io, for Swapzone tor onion and Swapzone i2p, checked October 22, 2026
swapzone.io/about, for Swapzone account, checked October 22, 2026
swapzone.io/docs/terms, for Swapzone when they ask for id, Swapzone if a check fails, Swapzone who holds your coins, Swapzone what triggers a check, Swapzone custody, in detail, Swapzone data the policy collects, Swapzone operator, Swapzone excluded countries, Swapzone us availability and Swapzone fee, checked October 22, 2026
swapzone.io/exchange/btc/xmr, for Swapzone coins and Swapzone status, checked October 23, 2026
trocador.app, for Trocador no-id limit, Trocador coins, Trocador zcash address type, Trocador tor onion, Trocador status and Trocador fee, checked October 23, 2026
trocador.app/docs, for Trocador i2p, checked October 23, 2026
trocador.app/en, for Trocador account, checked October 22, 2026
trocador.app/en/privacypolicy, for Trocador data the policy collects, checked October 22, 2026
trocador.app/en/termsofuse, for Trocador when they ask for id, Trocador if a check fails, Trocador who holds your coins, Trocador what triggers a check, Trocador address screening, Trocador custody, in detail, Trocador operator, Trocador excluded countries and Trocador us availability, checked October 22, 2026
wagyu.xyz, for Wagyu when they ask for id, Wagyu no-id limit, Wagyu who holds your coins, Wagyu zcash address type, Wagyu custody, in detail, Wagyu account, Wagyu tor onion, Wagyu i2p and Wagyu fee, checked October 22, 2026
wagyu.xyz, for Wagyu status, checked October 23, 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 5, 2026 and October 23, 2026. Ethan Parker, Senior Content Editor, checked this page; updated October 23, 2026.
