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Aggregator

Swapzone review

Swapzone is an aggregator, comparing offers from approximately 18 exchanges per currency pair while allowing swaps to run without registration. It does not operate any KYC for swaps on its own. Instead, the partner exchanges handle KYC and AML. Swapzone categorizes each partner based on the frequency of checks initiated, ranging from KYC 0/3 Never and upward. Despite this, Swapzone can request documentation and halt a transaction if it detects suspicious activity. A partner exchange may retain funds it suspects originate from illegal activities. The terms specify restricted countries including Afghanistan, China, and Egypt. In our view, check the partner's label before you send.

Official siteCompare

ID only if flagged

Swapzone 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 22, 2026.
Not statedSwapzone's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.No-ID limit per trade
XMR + LNPlus BTC, ZECMonero, Lightning, Bitcoin, Zcash: supported.
Held in a swapWho holds your coinsNon-custodial aggregator; the deposit goes to the selected partner exchange (transit custody at the partner). Checked Oct 22, 2026.
Not statedSwapzone'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 Swapzone if

Who Swapzone suits, from the values on this page.

Swapzone suits you if

  • You want no ID for normal use: Swapzone asks only if a payment is flagged.
  • You want Monero: Swapzone lists it.
  • You want to pay or get paid over Lightning.

Swapzone might not be the right fit if

  • You want a market that can never ask for ID: Swapzone can ask if a payment is flagged.

Best for

Monero for bitcoin

Swapzone
Monero and bitcoin Swapzone lists Monero and bitcoin. Checked Oct 23, 2026.
kycnot.me

What kycnot.me says about Swapzone

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 34 out of 100, trust 52 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
  • Legally registered
  • No JavaScript needed

Cons kycnot.me lists

  • Refunds may require KYC
  • KYC depends on partners
  • Data Sharing
  • Liquidity Provider may block funds
  • Source code is private

Also noted: Third-Party Liquidity, API available, Some countries are restricted

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

Checked October 22, 2026

Platform

Inside Swapzone

Screenshots taken November 3, 2026

What you get with Swapzone

Yes, no or partly, from our data

Privacy 1 of 6, 1 partly

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

Coins 4 of 4

  • Bitcoin
  • Monero
  • Lightning
  • Zcash

Custody and code 0 of 3

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

When can Swapzone ask for your ID?

If a payment is flagged, per Swapzone'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 flaggedSwapzone 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

Transaction delayed or blocked until information is provided and verified; a partner exchange can retain and confiscate funds it believes come from illegal or suspicious sources; Swapzone accepts no refund liability

“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.”

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

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

Checked October 22, 2026

Fees and limits

What Swapzone costs

WhatSwapzone
Trade feeNo Swapzone fee for users; exchange and network fees are included in the quoted amounts and paid to the partner
No-ID limitNot statedSwapzone's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.

Checked October 22, 2026

Typical time
Example BTC to XMR: 5 to 30 minutes for the swap, 20 to 60 minutes in total under normal conditions
Your data

What Swapzone knows about you

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

During a trade

Data the policy collects
Collected: IP address, user agent, browser type, device identifiers and other access metadata; name and e-mail when contacting support; cookies incl. marketing cookies; metadata shared with Google Analytics; retention: usually limited to 1 year; transaction data: processed by the partner exchanges under their own policies
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 statedSwapzone's own pages we checked do not say. This is not the same as no.
Who runs it
Not statedSwapzone's own pages we checked do not say, checked Oct 22, 2026. This is not the same as no.
Requests from authorities
Access can be terminated on the request of law enforcement or other government agencies
Warrant canary
Not published

Checked October 22, 2026

Safety

Track record and code

None found.

Incidents

None found

Open source
Not statedSwapzone'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
24/7 live support
Wallet needed
Yes: your wallet address for the received coins

Checked October 14, 2026

Reddit

Community

Discussions about Swapzone on Reddit (r/Swapzone)

More facts

More facts we checked on Swapzone

Coins listed
Provider headline: 3000+
Rate type
Offers from about 18 exchanges per pair
Log retention
Usually 1 year, longer or shorter where data protection law requires
Onion address
Not published
I2P address
Not published
Where you live

Swapzone in the US and elsewhere

In the US

US availability: With conditions: Swapzone terms do not exclude the US; each swap is governed by the chosen partner exchange's terms, which may exclude US residents

Blocks US IPs
Terms: the terms restrict access from the United States
VPN clause in terms
Not published

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

Outside the US

Where Swapzone does not serve

32 places in its terms
  • Afghanistan
  • Algeria
  • Egypt
  • Bangladesh
  • Bolivia
  • Burundi
  • Cameroon
  • Chad
  • China
  • Republic of the Congo
  • Ethiopia
  • Gabon
  • Iraq
  • Lesotho
  • Libya
  • North Macedonia
  • Morocco
  • Myanmar
  • Nepal
  • Qatar
  • Sierra Leone
  • Tunisia
  • Ghana
  • Russian Federation
  • Kuwait
  • North Korea
  • Iran
  • Somalia
  • South Sudan
  • Sudan
  • Yemen
  • jurisdictions where VC transactions are prohibited
Show all 32 places+26 moreShow fewer

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

Site blocks by region
Afghanistan; Algeria; Egypt; Bangladesh; Bolivia; Burundi; Cameroon; Chad; China; Republic of the Congo; Ethiopia; Gabon; Iraq; Lesotho; Libya; North Macedonia; Morocco; Myanmar; Nepal; Qatar; Sierra Leone; Tunisia; Ghana; Russian Federation; Kuwait; North Korea; Iran; Somalia; South Sudan; Sudan; Yemen; jurisdictions where VC transactions are prohibited

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. Swapzone's terms say it can ask for ID in these cases: 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. 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. Swapzone's terms say that if a check is requested and not completed: transaction delayed or blocked until information is provided and verified; a partner exchange can retain and confiscate funds it believes come from illegal or suspicious sources; Swapzone accepts no refund liability.

Checked October 22, 2026

Alternatives

Swap aggregators to compare with Swapzone

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

CypherGoat Lightning ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
Houdini Swap Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
Intercambio Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
Trocador Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
OrangeFren

Swapzone side by side

From our privacy data, the same fields for every service
WhatSwapzoneCypherGoatHoudini SwapIntercambioTrocadorOrangeFren
ID ruleID only if flaggedID only if flaggedID only if flaggedID only if flaggedID only if flaggedNot stated
AccountNoneNoneNoneNoneNone
You hold the keys
Monero
Lightning
Open source

Checked October 23, 2026

Browse Swap aggregatorsWhere to buy MoneroBuy bitcoin without KYC
FAQ

Short answers about Swapzone

From the data on this page.

Does Swapzone ask for ID?

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

Who holds your coins during a Swapzone trade?

Held during the swap. Non-custodial aggregator; the deposit goes to the selected partner exchange (transit custody at the partner).

Can you buy Monero on Swapzone?

Yes. Swapzone lists Monero.

What does Swapzone cost?

Trade fee: No Swapzone fee for users; exchange and network fees are included in the quoted amounts and paid to the partner.

Author

Who checked this page

Ethan Parker

Senior Content Editor

Every value on this page comes from Swapzone'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. kycnot.me/service/swapzone, for kycnot.me rating, checked October 22, 2026
  2. swapzone.io, for onion address, I2P address, support, wallet needed and coins listed, checked October 22, 2026
  3. swapzone.io/about, for account and operator, checked October 22, 2026
  4. swapzone.io/docs/privacy, for log retention, checked October 22, 2026
  5. swapzone.io/docs/terms, for ID rule, what triggers a check, what happens if a check fails, custody, custody in detail, data collected, operator, excluded countries, US availability, fees, requests from authorities, warrant canary, audits, bug bounty, blocks US IPs, VPN clause in terms and site blocks by region, checked October 22, 2026
  6. swapzone.io/exchange/btc-lightning/xmr, for Lightning, checked October 23, 2026
  7. swapzone.io/exchange/btc/xmr, for status, Monero and bitcoin, checked October 23, 2026
  8. swapzone.io/exchange/btc/zec, for Zcash, checked October 23, 2026
  9. swapzone.io/exchange/offers, for typical time and rate type, 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: Swapzone'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.