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Six no-KYC exchanges, compared in detail
Based on public documentation and third-party reviews as of September 2026 — not on our own
trading. Where a figure is an estimate or unverified,
we say so inline. Nothing here is financial advice; verify terms on each official site before swapping.
Some links below are affiliate links (notably ChangeNOW). We may earn a commission at no extra
cost to you. Full disclosure.
changenow.io · operating since 2017 · non-custodial
- KYC policy: No registration or KYC for standard crypto-to-crypto swaps. Automated AML can trigger KYC on a small minority of transactions — third-party estimates put it around 0.5% (estimate, not an official figure).
- Fees: No separate fee line; margin built into the quoted rate, roughly 0.5%–4% depending on pair and conditions (estimate range). Network fees are extra. Fixed rate locks your quote (around 20 min); floating rate uses the market price at execution.
- Limits: Minimum around $2 equivalent; no published maximum.
- XMR support: Yes — Monero supported in both directions.
- Affiliate program: 0.4% of every referred swap (base rate, adjustable), paid in BTC — the official blog also mentions 50+ payout currencies. Minimum withdrawal is listed as either 0.002 BTC or $100 depending on which official page you read (figures differ across official pages). Email-only signup reported by third parties (unverified).
- Reputation: Trustpilot 4.5/5 with 13,000+ reviews per multiple 2026 sources. No major security incidents reported.
Pros
- Long track record (since 2017), no major hacks reported
- Broad pair selection including XMR both ways
- Fixed-rate option locks the quote
- No-KYC affiliate program with BTC payouts
Cons
- True fee is opaque — baked into the rate, not itemized (varies)
- Rare AML-triggered KYC can still freeze a swap
- Affiliate payout minimum is inconsistent across official pages
Our pick for: beginners and anyone wanting the widest pair selection on a long-running no-KYC service.
Referral link — we may earn 0.4% of referred trades at no cost to you. Disclosure.
ff.io (migrated from fixedfloat.com after 2024 incidents — always use ff.io) · since 2018 · Estonian FIU licensed
- KYC policy: No registration or ID for standard swaps. KYC triggers are rare but strict when they happen. Not available to US users.
- Fees: 1% for fixed-rate swaps (rate locked 10 minutes), 0.5% for floating-rate swaps; network fees shown in the quote.
- Limits: Minimum around $1 equivalent; no published hard maximum.
- XMR support: Yes — both directions.
- Affiliate program: Per official terms: 40% of FixedFloat's income from qualified referral transactions; minimum payout 0.001 BTC; payout requests approved within 3 days. Payout currency is officially BTC-denominated; other currencies claimed by third parties (unverified). Affiliate KYC status unverified.
- Security history: Hacked twice in 2024 — approximately $26.1M and $2.8M — then rebuilt its infrastructure and relaunched on ff.io. Disclosed here honestly because it matters.
- Reputation: Trustpilot 4.9/5 is a pre-hack figure and dated; current score unverified. Swapzone 3.7/5 (91 reviews).
Pros
- Among the most transparent fees: 1% / 0.5%
- Regulated (Estonian FIU license)
- Low ~$1 minimums; XMR both ways
Cons
- Two major hacks in 2024 — rebuilt, but the history counts
- Strict KYC when triggered; no US users
- Current Trustpilot score unverified
Our pick for: fee-conscious swappers who value stated, itemized fees — if you're comfortable with the post-hack rebuild.
stealthex.io · since 2018 · non-custodial
- KYC policy: No registration or account for standard swaps; KYC triggers via AML are rare. Not available in the USA, Japan, North Korea, Cuba, Syria or Sudan.
- Fees: 0.4% service fee plus network/provider fees.
- Limits: No maximum for floating swaps; minimums are pair-specific.
- XMR support: Yes — both directions.
- Affiliate program: 0.4% per exchange (adjustable); minimum payout $300 equivalent in BTC; payouts in BTC. Email+password signup per third-party source; affiliate KYC unverified.
- Reputation: Trustpilot 4.8/5 per 2024 coverage (155 reviews) — current score unverified. Swapzone 4.5/5. No hacks reported.
Pros
- Low stated 0.4% service fee
- No account needed; no hacks reported
- No upper limit on floating swaps
Cons
- Blocked in several countries including the US and Japan
- Current reputation scores unverified beyond 2024 coverage
- High ($300) affiliate payout threshold
Our pick for: swappers outside restricted regions who want a low stated service fee.
sideshift.ai · since 2019 · integrated in Trezor Suite and Bitcoin.com wallet
- KYC policy: No account, registration or KYC for standard swaps. Swapzone labels its KYC frequency "Never" — the only partner with that label — but risk-based human reviews/freezes remain possible, and kycnot.me rates it as possibly requesting KYC in rare cases.
- Fees: Roughly 0.5–1% margin embedded in the rate (estimate); network fees separate. Fixed rate locks 15 minutes; variable rate locks at deposit.
- Limits: Pair-specific; exact numbers unverified.
- XMR support: Yes per 2026 sources — but XMR support has historically been intermittent (dropped around 2024), so verify availability for your pair before sending.
- Affiliate program: 0.5% of referred shift volume — but the payout currency conflicts between sources: the official help center says USDT on Ethereum, the white paper says XAI. Treat as unverified/conflicting. Minimum payout and affiliate KYC unverified.
- Reputation: ~304 Trustpilot reviews, strong — exact score unverified. Swapzone 4.3/5. No major hack.
Pros
- Strongest "rarely asks for KYC" reputation among the six
- Embedded in major wallets (Trezor Suite, Bitcoin.com)
- No account friction at all
Cons
- XMR support has been intermittent — verify first
- Affiliate terms conflict across official sources; not reliable as an affiliate choice
- Fee margin is an estimate, not a published figure
Our pick for: swaps inside Trezor Suite or Bitcoin.com wallet, where it's built in.
simpleswap.io · since 2018
- KYC policy: No KYC for standard crypto swaps ("rare" triggers). Voluntary KYC via SumSub is optional; KYC is mandatory for fiat purchases; risk-based AML holds possible.
- Fees: From around 0.2% bundled in the rate, varying by pair (estimate). Fixed rate = wider spread with a 20-minute guarantee; third-party estimates suggest ~1.21% floating / ~2% fixed (estimate). Network fees separate.
- Limits: No upper limit; minimums are pair-specific.
- XMR support: Yes.
- Affiliate program — read carefully: Per official terms (May 2026): 0.4% default one-tier, two-tier in open beta, API/widget users can set 0.4%–5%. Paid exclusively in USDT (minimum 300 USDT); a legacy BTC option (min 0.008 BTC) exists only for affiliates onboarded before March 2025. Affiliate withdrawals may require ID at their discretion, and API use requires KYC/KYB. Cookie: 30 days. This affiliate KYC requirement means the program does not fit a no-KYC affiliate strategy — SimpleSwap remains a fine no-KYC option for users swapping, but we do not recommend its affiliate program for this site's strategy.
- Reputation: Trustpilot 4.1 (2,500+ reviews). Swapzone 4.6/5. No major hack.
Pros
- No KYC needed to swap; no upper limit
- Optional fixed-rate with 20-minute guarantee
- Strong Swapzone rating (4.6/5)
Cons
- Affiliate program can require ID — incompatible with a no-KYC affiliate strategy
- Fee figures are third-party estimates, not published
- Trustpilot 4.1 is the weakest of the six
Our pick for: casual crypto-to-crypto swappers as a user tool — not as an affiliate partner for us.
letsexchange.io · founded 2020, platform launched 2021
- KYC policy: No registration or KYC for crypto-to-crypto swaps; KYC required for fiat via the payment provider; AMLBot screening applies.
- Fees: Network fee plus a liquidity-provider commission embedded in the rate — the LP commission percentage is undisclosed (unverified). Fixed and floating rates available.
- Limits: No upper limit; minimum around 0.002 BTC equivalent, pair-specific.
- XMR support: Yes.
- Affiliate program: 0.45% per swap via referral links per the official blog; custom revenue share via API. Minimum payout, payout currency and affiliate KYC all unverified.
- Reputation: Trustpilot 4.6. Swapzone 4.5/5. No major hacks reported.
Pros
- Highest stated base affiliate rate (0.45%)
- Both fixed and floating rates; no upper limit
- Solid third-party ratings
Cons
- Fee commission is undisclosed — you can't compute the true cost from published data
- Youngest platform of the six
- Affiliate payout terms unverified
Our pick for: swappers who want both fixed and floating rates in one place and don't mind an undisclosed fee margin.
Summary table
Referral link — we may earn 0.4% of referred trades at no cost to you. Disclosure.