Intercambio review
Intercambio is a swap aggregator created by OrangeFren and Majestic Bank that operates without requiring an account or having its own KYC. Users can prioritize rates from exchanges that do not require ID. It functions without the need for JavaScript and is accessible over Tor and I2P. It says it maintains no logs and deletes exchange data after two weeks or upon request. However, Intercambio does not disclose the KYC rules of the exchanges it aggregates. Visitors from countries it labels as authoritarian, including the US, must confirm they are accessing the service voluntarily. In our view, Intercambio is suitable for Monero users who value a minimal digital footprint.
ID only if flagged
Intercambio asks for ID only if a payment is flagged, per its own pages.
Choose Intercambio if
Who Intercambio suits, from the values on this page.
Intercambio suits you if
- You want no ID for normal use: Intercambio asks only if a payment is flagged.
- You want Monero: Intercambio lists it.
- You want to pay or get paid over Lightning.
Intercambio might not be the right fit if
- You want a market that can never ask for ID: Intercambio can ask if a payment is flagged.
Best for
Monero for bitcoin
What kycnot.me says about Intercambio
kycnot.me is an independent directory of services you can use without ID checks. The rating and notes below are its own, not ours.
The terms rule out ID checks altogether. kycnot.me sorts services into five levels, from 0 (never asks for ID) to 4 (ID is mandatory).
Not accepted: Lightning, Fiat money, Cash.
http://ybnc7t4gnaixrvawshppx6nauxrvyxf4nmppfk74ztqgd46q3ifjl4id.onionPros kycnot.me lists
- Accepts Monero
- Has Onion or I2P URLs
- No registration needed
- Legally registered
- No JavaScript needed
- Basic Customer Support
Cons kycnot.me lists
- KYC depends on partners
- Source code is private
Also noted: Mobile app available
Source: the kycnot.me listing. Intercambio on kycnot.me (opens in a new tab)
Checked October 22, 2026
Inside Intercambio
- Platforms
- Website without JavaScript, Tor and I2P hidden services, SimpleX bot
What you get with Intercambio
Yes, no or partly, from our dataPrivacy 4 of 6, 1 partly
- No IDPartlyIf a payment is flagged
- No accountYes
- Tor built inNot statedNot statedIntercambio's own pages we checked do not say. This is not the same as no.
- Onion addressYes
- I2P addressYes
- Works without JavaScriptYes
Coins 4 of 4
- BitcoinYes
- MoneroYes
- LightningYes
- ZcashYes
Custody and code 0 of 3
- You hold the keysNo
- Open sourceNot statedNot statedIntercambio's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
- Address screeningNot statedNot statedIntercambio's own pages we checked do not say. This is not the same as no.
When can Intercambio ask for your ID?
If a payment is flagged, per Intercambio'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 flaggedIntercambio 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
Not statedIntercambio's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
Not stated on Intercambio's pages: what triggers a check, fee on refusal, refund policyIntercambio's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
Checked October 22, 2026
What Intercambio costs
| What | Intercambio |
|---|---|
| Trade fee | Exchange fees included in the shown rate, around 0.5 to 2% depending on the exchange; for some exchanges the network fee is not included |
| No-ID limit | Not statedIntercambio's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no. |
- Typical time
- Depends on the transaction fee and block time; most partner exchanges process after about 1 to 2 confirmations
What Intercambio 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
ybnc7t4gnaixrvawshppx6nauxrvyxf4nmppfk74ztqgd46q3ifjl4id.onionI2P: http://yineeyt77uncalpxufaivt44mba4uqs2envz4hqqajspceojb3ha.b32.i2pWithout JavaScript: Yes, per its own notice- Governance
- Operators without named company: built by OrangeFren and Majestic Bank, "in undisclosed locations"; banner cites Seychelles rules
Checked October 22, 2026
Track record and code
None found for Intercambio.
Incidents
None found
- Support
- E-mail; SimpleX group; SimpleX bot; Reddit
- Wallet needed
- Yes: a receiving address
Checked October 14, 2026
More facts we checked on Intercambio
- Log retention
- No logs (no IP, timestamps or user agents); exchange data deleted after two weeks or on request
- Onion address
- Onion: http://ybnc7t4gnaixrvawshppx6nauxrvyxf4nmppfk74ztqgd46q3ifjl4id.onion; i2p: http://yineeyt77uncalpxufaivt44mba4uqs2envz4hqqajspceojb3ha.b32.i2p
- I2P address
- Http://yineeyt77uncalpxufaivt44mba4uqs2envz4hqqajspceojb3ha.b32.i2p
Intercambio in the US and elsewhere
In the US
US availability: With conditions: US visitors get an "Authoritarian Regime Notice"; service only on the user's own exclusive initiative after confirming the notice
If you are a US person, US sanctions rules apply to you whether or not a service asks for ID.
Outside the US
Excluded countries: Not statedIntercambio's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
Regional rule: Not statedIntercambio's own pages we checked do not say. This is not the same as no.
- Site blocks by region
- Visitors from what the site calls authoritarian countries see a notice and must confirm they came on their own initiative
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. The provider's terms may let it ask for ID later. 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
Swap aggregators to compare with Intercambio
Other active services in this category from our list. The shield shows each one's ID rule from its own terms.
Intercambio side by side
From our privacy data, the same fields for every service| What | Intercambio | CypherGoat | Houdini Swap | Swapzone | Trocador | OrangeFren |
|---|---|---|---|---|---|---|
| ID rule | ID only if flagged | ID only if flagged | ID only if flagged | ID only if flagged | ID only if flagged | Not stated |
| Account | None | None | None | None | None | Not stated |
| You hold the keys | No | Not stated | No | No | No | Not stated |
| Monero | Yes | Not stated | Yes | Yes | Yes | Not stated |
| Lightning | Yes | Yes | Yes | Yes | Yes | Not stated |
| Open source | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Checked October 23, 2026
Short answers about Intercambio
From the data on this page.
Does Intercambio ask for ID?
Intercambio asks for ID only if a payment is flagged, per its own pages. There is no account.
Who holds your coins during a Intercambio trade?
Held during the swap. Aggregator; the selected exchange executes the swap, shown inside Intercambio's own interface (deposit address of the exchange is not stated explicitly).
Can you buy Monero on Intercambio?
Yes. Intercambio lists Monero.
What does Intercambio cost?
Trade fee: Exchange fees included in the shown rate, around 0.5 to 2% depending on the exchange; for some exchanges the network fee is not included.
Who checked this page
Sources, how we read the terms and our process
Sources
- intercambio.app, for status, ID rule, custody, custody in detail, account, data collected, Monero, bitcoin, Lightning, onion address, I2P address, JavaScript, operator, US availability, fees, platforms, typical time, governance, support, wallet needed, site blocks by region and log retention, checked October 22, 2026
- intercambio.app, for Zcash, checked October 23, 2026
- kycnot.me/service/intercambio, 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: Intercambio'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.