WARNING — historical KYC-creep. Listed for comparison; not recommended. Historically no-KYC but routinely requests verification on flagged tx.
Acceptable with reservations. Posture intact but evidence is older, lighter, or the provider sits on a known weakness (custody risk, history of customer-fund freezes resolved, etc.).
Full rubric + 7-step verification walkthrough at /methodology.
Listed for completeness. ChangeNow markets itself as no-KYC but in practice requests KYC on a meaningful percentage of trades, especially on the receiving leg. Use only when other paths are unavailable.
Floating ~0.5% · fixed-rate 2% spread
Computed from kyc.rip routing observations · 90d window · last updated 2026-06-26
xmr.club
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