SplitNOW

Distinct capability. SplitNOW is the only no-KYC aggregator we've found that splits a single deposit across up to 100 destination wallets in one transaction by routing through centralized exchanges. The closest spiritual analog in our own ecosystem is [kyc.rip/dispenser](https://kyc.rip/dispenser), which spins up a per-session burner wallet in the user's browser and fan-outs to multiple providers from there — same end goal (one input → many outputs across providers), opposite trust model. [disperse.rip](https://disperse.rip) is a different beast: it executes batch on-chain transfers via a smart contract (or an opt-in custodial WalletConnect-free mode), so it splits at the chain layer, not the exchange layer. The product idea SplitNOW chases — pay payroll, fund ops wallets, rebalance custody without 100 separate trades — is genuinely useful.

Routes that single deposit through centralized exchanges (Bybit, WhiteBIT, Gate, etc.), instant exchangers, and OTC desks before distributing.

Live testing (0.2 XMR / 2 wallets, May 2026): quote shown before deposit did not match what the user received. Decomposed: 3.06% silent swap spread baked into the rate ($2.31), 1.13 USDT-per-address withdrawal-fee markup over the upstream CEX's actual cost ($2.26 across 2 wallets), $1.60 of actual network fees. Effective fee at this scale: 8.19% gross. At realistic 1–2 XMR deposits the fixed surcharges thin out to ~3–4% effective, but the 3.06% spread is amount-independent and by itself contradicts the founder's claimed 1% service fee.

hidden_fees pattern, not "high fees". Higher fees are fine if disclosed upfront — xmr2cex.com is the reference point: openly states a flat 5% on CEX-routed swaps. SplitNOW's user-visible quote understates what the operator keeps. Support has confirmed via Telegram that partner exchanges 'give slightly worse execution on smaller orders' and offered a manual refund 'for the difference' on direct push-back — that is, the spread is recoverable only by users who notice and complain, not built into the quote.

Posture caveats: account creation is anonymous (Web3 wallet signature, no email/phone) but the connected public address is a persistent identifier across sessions; the operator does enforce hardcoded sanctions on Belarus, Cuba, Iran, Russia, Syria (visible in the frontend JS bundle). Backend and SvelteKit frontend are closed-source. UI defaults to Binance/BNB branding even though Binance delisted XMR in 2024 and the actual route is Ethereum ERC-20 — a misleading-network risk for unfamiliar users.

Project age: ~8 months online at the time of audit. Iteration window applies — re-test scheduled if the quote-vs-fill gap is addressed (visible spread on the rate card, withdrawal fee equal to the upstream network cost).

Listed at C for completeness — the multi-wallet feature is unique enough to be worth knowing about, but we don't recommend it as a primary tool until the fee transparency is fixed.