Peach Bitcoin review
Peach Bitcoin is a peer-to-peer app for buying and selling bitcoin, operated by the Swiss company Peach Sàrl. It is a member of the self-regulatory organization PolyReg. Under Swiss law, trades without registration are limited to CHF 1,000 per day, or CHF 1,000 per month for peer-to-peer payment methods, with a yearly cap of CHF 100,000. Following a letter from its self-regulatory organization, Peach paused its escrow model. Sellers now control the escrowed bitcoin, and only KYC-verified or long-standing sellers may list sell offers. The fee is 2% of the released amount. Its terms exclude the US. In our view, Peach suits small purchases while the escrow pause continues.
ID above a limit
Peach Bitcoin asks for ID above a limit, per its own pages. You hold the keys.
Latest release: V0.69.0(397) (2026-09-17)
Choose Peach Bitcoin if
Who Peach Bitcoin suits, from the values on this page.
Peach Bitcoin suits you if
- You want to keep your own keys: on Peach Bitcoin, you hold the keys.
- You want open-source software.
Peach Bitcoin might not be the right fit if
- You want to skip ID checks: Peach Bitcoin's terms let it ask for ID.
- You want Monero: Peach Bitcoin does not list it.
- You want Lightning: Peach Bitcoin does not support it.
- You live in the US: Peach Bitcoin is not available there.
- You want a market with no incident on record: Peach Bitcoin had one in 2026.
What kycnot.me says about Peach Bitcoin
kycnot.me is an independent directory of services you can use without ID checks. The rating and notes below are its own, not ours.
No routine ID checks, but a legal order or an internal risk review can still lead to one or to a hold on funds. kycnot.me sorts services into five levels, from 0 (never asks for ID) to 4 (ID is mandatory).
Not accepted: Monero, Lightning.
Pros kycnot.me lists
- Identity-Free registration
- Non-custodial wallet
- Escrow available
- Peer to peer market
- Non-custodial protocol
- No JavaScript needed
Cons kycnot.me lists
- Data Sharing
- Account required
Also noted: Mobile app available, Some countries are restricted
Events kycnot.me lists
- 2026Jun 11, 2026: Update. kycnot.me writes: “Peach web released”
- No date given: Warning. kycnot.me writes: “New seller & escrow limits | pending regulatory review”
Source: the kycnot.me listing. Peach Bitcoin on kycnot.me (opens in a new tab)
Checked October 22, 2026
Inside Peach Bitcoin
Screenshots taken November 3, 2026
- Platforms
- Android via Google Play, APK or Zapstore; iOS via Apple TestFlight; web app paired with the mobile app by QR code
What you get with Peach Bitcoin
Yes, no or partly, from our dataPrivacy 1 of 6
- No IDNo
- No accountYes
- Tor built inNot statedNot statedPeach Bitcoin'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 statedPeach Bitcoin's own pages we checked do not say. This is not the same as no.
Coins 1 of 4
- BitcoinYes
- MoneroNo
- LightningNo
- ZcashNo
Custody and code 2 of 4
- You hold the keysYes
- Open sourceYes
- Reproducible buildsNot publishedNot published
- Address screeningNot statedNot statedPeach Bitcoin's own pages we checked do not say. This is not the same as no.
When can Peach Bitcoin ask for your ID?
Above a limit, per Peach Bitcoin'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 flaggedNo ID by default; checks when a risk system flags you
- 4Above a limitPeach Bitcoin is on this stepID once you pass a stated amount
- 5AlwaysID before you trade, deposit or withdraw
If a check comes and you do not pass it
Not statedPeach Bitcoin's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
What triggers a check: Trading above CHF1000/day (CHF1000/month for peer-to-peer payment methods) or CHF100'000/year without registration; creating sell offers during the escrow pause (from 2026-09): KYC required unless the seller has zero lost disputes and more than 60 seller trades, or more than 30 seller trades and more than 80 trades in total; non-KYC sellers limited to one trade at a time
Not stated on Peach Bitcoin's pages: fee on refusal, refund policyPeach Bitcoin's own pages we checked do not say. This is not the same as no.
- If a trade goes wrong
- A Peach mediator employee arbitrates disputes; the party opening a dispute shares its signature so the mediator can read the encrypted chat and payment details; dispute emails go to [email protected]
- How trust works
- Peach reputation per user, affected by disputes and their outcome; selling is temporarily limited to highly trusted sellers with a long reputation
Checked October 22, 2026
What Peach Bitcoin costs
| What | Peach Bitcoin |
|---|---|
| Trade fee | 2% of the amount released from escrow (also during the escrow pause); Bitcoin network fees for funding and releasing the escrow; releases batched every 24 hours unless the user pays for an immediate release |
| No-ID limit | CHF1000 per day (CHF1000 per month for peer-to-peer payment methods), CHF100'000 per year |
- Trade limits
- Without registration: CHF 1,000 per day (CHF 1,000 per month for peer-to-peer payment methods) and CHF 100,000 per year, set by Swiss law
What Peach Bitcoin 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
- Peach (Swiss company, licensed financial service provider) (company)
- Requests from authorities
- In a dispute Peach gains access to the chat and payment details; no statement on requests from authorities found on the fetched pages
- Warrant canary
- Not published
Checked October 22, 2026
Track record and code
Regulatory review and escrow pause announced by the founder on 2026-08-31; no hack or loss of funds found.
Incidents
- 2026Aug 31, 2026: Swiss SRO letter seeking to requalify the KYC-free compliance setup approved in 2022; Peach paused its escrow model, moved to seller-controlled escrow and limited selling to KYC-verified or long-standing sellers while the assessment runs.
- License
- App frontend: MIT; github api: NOASSERTION
- Audits
- Not published
- Bug bounty
- Not published
- Support
- Email [email protected] (PGP); email [email protected] (disputes, PGP); Telegram; Discord; Nostr; X
- Wallet needed
- No: the app includes a self-custody Bitcoin wallet
Checked October 23, 2026
More facts we checked on Peach Bitcoin
- Coins listed
- Count: 1; assets: BTC
- Networks
- Bitcoin on-chain (2-of-2 multisig escrow)
- Rate type
- Premium in percent above the market price at the time of the match
- Log retention
- IP address: at most 1 hour; disputes: a hash of the IP and other data while the dispute is open
- Onion address
- Not published
- I2P address
- Not published
- Security deposit
- Not published
Peach Bitcoin in the US and elsewhere
In the US
US availability: Not available
- Blocks US IPs
- Terms: US citizens, residents and anyone located in the US may not use Peach; technical block: blocked IPs and no app in the US app stores (per 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 Peach Bitcoin does not serve
20 places in its terms- United States of America (incl. states, DC, U.S. Virgin Islands and possessions)
Iran
North Korea
Myanmar
China- Algeria
- Bangladesh
Nepal
Afghanistan
Morocco
Egypt- Bolivia
- Qatar
- Tunisia
Pakistan
Vietnam
Indonesia
Nigeria- EU/EEA member states as to active offering or marketing (reverse solicitation only)
- UN embargoed or OFAC/EU-sanctioned jurisdictions
Show all 20 places+14 moreShow fewer
Regional rule: Not statedPeach Bitcoin's own pages we checked do not say. This is not the same as no.
- Site blocks by region
- Blocked IPs, no app in the local app stores and no local currencies or payment methods for restricted countries; Peach may restrict EU/EEA access and does not market there
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. Peach Bitcoin's terms say it can ask for ID in these cases: Trading above CHF1000/day (CHF1000/month for peer-to-peer payment methods) or CHF100'000/year without registration; creating sell offers during the escrow pause (from 2026-09): KYC required unless the seller has zero lost disputes and more than 60 seller trades, or more than 30 seller trades and more than 80 trades in total; non-KYC sellers limited to one trade at a time. 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.
Checked October 22, 2026
P2P markets to compare with Peach Bitcoin
Active P2P markets from our list. The shield shows each one's ID rule from its own terms.
Peach Bitcoin side by side
From our privacy data, the same fields for every marketChecked October 23, 2026
Short answers about Peach Bitcoin
From the data on this page.
Does Peach Bitcoin ask for ID?
Peach Bitcoin asks for ID above a limit, per its own pages. There is no account.
How much can you trade on Peach Bitcoin without ID?
1,000 CHF a day, trades.
Who holds your coins during a Peach Bitcoin trade?
You hold the keys. Escrow-multisig by design (2-of-2 multisig between seller and Peach, on-chain); temporarily since the escrow pause the seller alone controls the escrowed BTC and Peach has no signature.
Can you buy Monero on Peach Bitcoin?
No. Peach Bitcoin does not list Monero, per its own pages.
What does Peach Bitcoin cost?
Trade fee: 2% of the amount released from escrow (also during the escrow pause); Bitcoin network fees for funding and releasing the escrow; releases batched every 24 hours unless the user pays for an immediate release.
Who checked this page
Sources, how we read the terms and our process
Sources
- api.github.com/repos/Peach2Peach/peach-app/releases/latest, for latest release, checked October 22, 2026
- kycnot.me/service/peach-bitcoin, for kycnot.me rating, checked October 22, 2026
- peachbitcoin.com, for custody, custody in detail, account, Zcash, bitcoin, onion address, ways to pay, platforms, governance, wallet needed, networks and I2P address, checked October 22, 2026
- peachbitcoin.com, for open source, checked October 23, 2026
- peachbitcoin.com/blog/peach-at-a-crossroads, for status, what triggers a check and incidents, checked October 22, 2026
- peachbitcoin.com/privacy-policy, for data collected, warrant canary, license, What your payment reveals and log retention, checked October 22, 2026
- peachbitcoin.com/support, for I2P address, bug bounty and support, checked October 22, 2026
- peachbitcoin.com/terms-and-conditions, for ID rule, no-ID limit, Monero, Lightning, operator, excluded countries, US availability, fees, if a trade goes wrong, how trust works, trade limits, requests from authorities, audits, blocks US IPs, site blocks by region, coins listed, rate type and security deposit, 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: Peach Bitcoin'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.