Xchange.me — no-KYC crypto swap review
Xchange.me is a non-custodial swap covering Monero pairs + majors assets. privacy-maximalist: JS-free, Tor, PGP proofs (slower swaps). We flag its KYC level honestly so you can match it to the size and privacy you need.
Key facts
| Service type | Non-custodial swap service |
|---|---|
| Custody | non-custodial |
| Account required | No |
| KYC policy | KYC 0No-KYC (any size) — no KYC ever |
| Rate mode | Fixed & floating |
| Fees | Built into the quoted rate |
| Avg swap time | Slower — privacy routing (chain-dependent) |
| Supported coins | Monero pairs + majors XMRBTCETH |
| Networks | XMR, BTC, ETH, LTC, +majors |
| Minimum | Network minimum (varies by coin) |
| Maximum | Liquidity-bound (no fixed cap) |
| Founded | 2017 |
| Updated | 2026-06 |
Xchange.me is a non-custodial crypto swap service. Below: how it works, fees, supported assets and the privacy trade-offs — with its KYC level called out plainly.
About Xchange.me
Xchange.me lets you exchange one coin for another without an account — you pick the pair, paste your receiving address, send the deposit, and the service routes the trade and pays out on-chain. privacy-maximalist: JS-free, Tor, PGP proofs (slower swaps).
How a Xchange.me swap works
A swap runs wallet-to-wallet: Xchange.me generates a one-time deposit address, you send to it, and the output is broadcast to the address you supplied. Rate mode: Fixed & floating. Typical settlement: Slower — privacy routing (chain-dependent).
Fees & rate model
Fees: Built into the quoted rate. There is no separate account or withdrawal fee beyond the on-chain network cost on each leg — the quote you see already includes the service margin.
Privacy & custody model
Because there is no account, there is no identity database to leak: no identity checks at any swap size. The on-chain trail is limited to the two wallet addresses, which are public anyway, and Xchange.me stays non-custodial throughout.
This service publishes PGP-signed proofs. Before trusting one, learn how to verify a PGP signature.
Pros & cons
Pros
- No KYC ever; privacy-maximalist
- JS-free mode + Tor mirror
- PGP-signed swap proofs
- Monero specialist since 2017
Cons
- Slower swaps (privacy routing)
- Smaller asset list
- Niche, utilitarian interface
FAQ
Does Xchange.me require KYC?
For standard swaps, no identity checks at any swap size. Xchange.me is non-custodial, so there is no account held in your name and no identity database behind a login.
Is Xchange.me custodial?
No — Xchange.me is non-custodial. You swap wallet-to-wallet; the service only routes the trade and never holds a long-term balance for you.
How fast is a Xchange.me swap?
Typically Slower — privacy routing (chain-dependent). Bitcoin can be slower at busy times; faster chains like TRON or Solana usually clear in minutes. Fixed-rate orders lock the rate; floating orders settle at the arrival rate.