No-KYC Privacy Wallets 2026 — XMR-First Reviews

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» Mobile 6

Cake Wallet ●

Mobile + desktop multi-coin wallet (XMR, BTC, LTC, ETH) with in-app swap + CakePay.

★ HEADLINE ★ PICK since 2018 anonymous signup MOBILE XMR NATIVE

fees Free · Monero network fees only · in-app swap fees vary by provider

Visit → Details →

Anonero ●

Android Monero wallet with hardcoded privacy defaults — no subaddress reuse, no third-party leaks, coin control by default. Tor-first.

since 2024 anonymous signup XMR NATIVE TOR PRIVACY DEFAULTS

fees Free wallet · XMR network fees only (operator-default fee tier is conservative — you can override per transaction).

Visit → Details →

Monero.com ●

XMR-only fork of Cake — stripped down to just Monero, no chain bloat.

since 2018 anonymous signup NON-CUSTODIAL XMR-ONLY TOR AUDITED

fees Free · Monero network fees only

Visit → Details →

Monero.one ●

Monero-native mobile wallet by Joe. Clean UX, full chain features, no custodian.

since 2025 anonymous signup MOBILE XMR-NATIVE

fees Free · mobile · XMR-native

Visit → Details →

Monerujo ●

Reference Android Monero wallet. F-Droid, open-source, point at your own node or trusted remote.

★ PICK since 2018 anonymous signup MOBILE XMR-NATIVE F-DROID

fees Free · GPLv3 · F-Droid + Play

Visit → Details →

Monfluo ●

Pure-Monero Android wallet — fork of Mysu/MyNero (originally Monerujo lineage). F-Droid only, no Google Play, no telemetry.

since 2025 anonymous signup XMR NATIVE F-DROID OPEN SOURCE

fees Free wallet · XMR network fees only (you choose the fee tier per transaction).

Visit → Details →

» Desktop 4

Bitcoin Knots ●

Bitcoin Core-derived full-node wallet with stricter mempool + policy controls. Same chain, same RPC, opinionated defaults.

since 2016 anonymous signup BTC FULL-NODE DESKTOP

fees Free · MIT · BTC full node · Guix-reproducible builds

Visit → Details →

Feather Wallet ●

Lightweight XMR desktop wallet — fast sync via remote node, Tor/Onion friendly.

★ PICK since 2020 anonymous signup XMR NATIVE TOR

fees Free · Monero network fees only

Visit → Details →

Monero GUI ●

Reference XMR desktop wallet — full node, hardware wallet support, multisig.

since 2014 anonymous signup OFFICIAL XMR NATIVE FULL NODE

fees Free · Monero network fees only

Visit → Details →

Ripley Terminal ●

Terminal-style desktop Monero wallet with AI-agent support built in. Privacy-first ops UX for everyday use.

since 2026 anonymous signup DESKTOP AI-AGENT XMR-NATIVE

fees Free · desktop · terminal-style UX

Visit → Details →

» Lightning 3

Boltz ●

Lightning ↔ on-chain submarine + reverse swaps. Non-custodial, no account.

since 2018 anonymous signup LIGHTNING ATOMIC-SWAP NO-CUSTODY

fees 0.1% swap fee + LN routing · no account

Visit → Details →

Phoenix ●

Self-custodial mobile Bitcoin Lightning wallet by ACINQ — single dynamic channel, splicing, trampoline payments. Apache-2.0. No KYC.

since 2019 anonymous signup LIGHTNING MOBILE SPLICING OPEN SOURCE

fees Service-fee model: Phoenix charges a flat fee on liquidity splices (channel resize) — no per-payment markup, no fee on inbound liquidity. Plus the underlying Lightning routing fee (typically <1%) + on-chain network fee on splices. Full schedule disclosed in-app before any fee-bearing action.

Visit → Details →

Zeus ●

Open-source LN wallet — connect to your own LND/CLN/Eclair node or use embedded LSP.

since 2021 anonymous signup NON-CUSTODIAL OPEN-SOURCE TOR AUDITED

fees Free · LN routing fees only when self-hosted

Visit → Details →

» eCash 2

Cashu ●

Chaumian eCash on Bitcoin. Blinded signatures = zero-knowledge balance for the mint. Settled on Lightning.

since 2022 anonymous signup E-CASH LIGHTNING PRIVACY

fees Mint-fee varies · Lightning settle · Chaumian privacy

Visit → Details →

Fedimint ●

Federated Chaumian e-cash. Trust split across a federation instead of a single mint operator.

since 2021 anonymous signup E-CASH FEDERATED LIGHTNING

fees Federation-fee varies · threshold guardians · Lightning

Visit → Details →

» Multi-Chain 5

Coin Wallet ●

Multi-coin wallet with first-class XMR support and non-custodial key storage. MIT open source, ten-year operator (CoinSpace LLC, US). In-app buy/sell/swap routes through KYC-triggering partners — anonymous wallet, non-anonymous rails.

since 2015 anonymous signup NON-CUSTODIAL OPEN-SOURCE MULTI-CHAIN 10-YEAR OPERATOR

Visit → Details →

Edge Wallet ●

Multi-chain mobile wallet — XMR + BTC + USDT (multi-chain) + 100+ assets.

since 2018 anonymous signup MOBILE MULTI-CHAIN

fees Free · Network fees only · third-party swap fees on in-app exchanges

Visit → Details →

Guarda ●

Multi-chain non-custodial wallet, first-class XMR since 2017 — a convenience-focused light wallet; in-app buy/swap routes through partner KYC.

anonymous signup NON-CUSTODIAL MULTI-CHAIN XMR SINCE 2017 LIGHT WALLET

Visit → Details →

Stack Wallet ●

Open-source multi-coin wallet (XMR, BTC, LTC, Firo, etc) — Tor support built in.

since 2014 anonymous signup MULTI-CHAIN TOR

fees Free · Network fees only

Visit → Details →

Unstoppable Wallet ●

Open-source non-custodial multi-chain wallet — BTC, ETH, fully-shielded ZEC, XMR support, WalletConnect + Tor built in, phishing-protection + duress mode. Endorsed by bitcoin.org and by Zooko Wilcox-O'Hearn (ECC CEO).

OPEN-SOURCE NON-CUSTODIAL MULTI-CHAIN XMR ZEC TOR-BUILTIN WALLETCONNECT

Visit → Details →

» Hardware 7

Coldcard ●

Bitcoin-only hardware wallet by Coinkite. Air-gapped via PSBT-on-SD. Reference signer for Bitcoin maxis.

since 2017 light kyc HARDWARE BTC-ONLY PSBT

fees $120 hardware · Bitcoin-only · PSBT-via-SD

Visit → Details →

Ledger Nano ●

Hardware wallet for Monero — secret stays on the device.

since 2014 light kyc HARDWARE

fees Hardware device $79+ · Network fees only

Visit → Details →

Foundation Passport ●

Air-gapped BTC hardware wallet. Camera-only QR signing, US-manufactured, open-source firmware.

since 2020 light kyc HARDWARE AIR-GAP OPEN-FIRMWARE

fees $199 hardware · open firmware · QR-only signing

Visit → Details →

SeedSigner ●

DIY air-gapped Bitcoin hardware wallet built on Raspberry Pi Zero. No firmware secrets, no vendor lock-in.

since 2021 anonymous signup HARDWARE DIY OPEN-SOURCE

fees ~$50 DIY parts · open-source · stateless

Visit → Details →

Specter Desktop ●

Multi-vendor BTC multisig coordinator. Pair Ledger + Trezor + Coldcard + SeedSigner in one wallet.

since 2020 anonymous signup MULTISIG OPEN-SOURCE DESKTOP

fees Free · GPLv3 · Python · multi-vendor multisig

Visit → Details →

Trezor Suite ●

Desktop UI for Trezor devices. BTC native, XMR / multi-coin via plugins, runs on Tor by default.

since 2017 light kyc HARDWARE TOR OPEN-SOURCE

fees Free software · Trezor hardware €69+ · BTC accepted

Visit → Details →

Trezor ●

Open-source-firmware hardware wallet with XMR support via Monero GUI + Feather. Grade B. Live incident: 2026-08-13 shipping-provider breach exposed 11,742 customers' full PII (name + phone + shipping address) to the black market — physical-safety risk, not phishing risk. Read the incident block before ordering.

⚠ INCIDENT since 2014 light kyc HARDWARE OPEN-SOURCE FW

fees Hardware device $69+ · Network fees only

Visit → Details →

» Atomic Swap 1

EigenWallet ●

Atomic-swap BTC ↔ XMR DEX wallet — non-custodial, GPL, Tor-aware. Fork of UnstoppableSwap / xmr-btc-swap.

⚠ INCIDENT since 2025 anonymous signup ATOMIC SWAP GPL TOR

fees Per-swap maker spread (set by each market-maker) + on-chain BTC/XMR network fees. No platform commission — the protocol is permissionless and the eigenwallet team takes nothing per trade.

Visit → Details →

» XMR-Native 1

Mysu ●

XMR mobile wallet with remote-node defaults and minimal UI.

since 2025 anonymous signup XMR NATIVE MOBILE

fees Free · Network fees only

Visit → Details →

SafePal ●

Multi-chain hardware wallet with Monero support via Monero GUI. Grade C. Live incident: 2026-08-16 order-tracking plug-in breach exposed ~39,798 customers' full PII (name + email + shipping address + phone + purchase details) across a 13-month window (2025-03-02 → 2026-04-11). Physical-safety risk, not phishing risk. Read the incident block before ordering.

⚠ INCIDENT INCIDENT-2026-08 MULTI-CHAIN MONERO-CAPABLE

fees Hardware wallet purchase price varies by model (S1 / X1 / X1 Pro / Cypher). Free companion app. Fee schedule for on-app swaps varies by integration; verify at purchase time.

Visit → Details →

» BTC-Native 1

Sparrow Wallet ●

Open-source desktop Bitcoin wallet — Tor-native, PSBT-first, hardware-wallet ready, BIP47 PayNyms, full coin control.

since 2020 anonymous signup BTC NATIVE TOR MULTISIG HARDWARE WALLETS

fees Free wallet · Bitcoin network fees only (you choose the fee rate per transaction with full coin control).

Visit → Details →

» BTC + Privacy 1

Wasabi Wallet ●

BTC wallet with built-in CoinJoin (WabiSabi protocol). Tor by default.

since 2018 anonymous signup BITCOIN COINJOIN

fees Free · CoinJoin coordinator fees 0.3% of mixed amount

Visit → Details →

aieo & reader matrix · semantic comparison

Compare No-KYC Privacy Wallets 2026 — XMR-First Reviews Providers

Machine-readable summary of 32 no-kyc privacy wallets 2026 — xmr-first reviews services grading verification posture, custody architecture, Tor mirror status, operating history, and fee transparency.

No-KYC Privacy Wallets 2026 — XMR-First Reviews detailed comparison table of verified providers
Provider	Grade	KYC Policy	Custody	Tor (.onion)	Tenure	Fees / Highlights	Action
Cake Wallet ★ HEADLINE Mobile	A	Anon Signup	Non-custodial	—	2018(8y)	Free · Monero network fees only · in-app swap fees vary by provider	Visit → Review
Anonero Mobile	B	Anon Signup	Non-custodial	● .onion	2024(2y)	Free wallet · XMR network fees only (operator-default fee tier is conservative — you can override per transaction).	Visit → Review
Bitcoin Knots Desktop	A	Anon Signup	Non-custodial	—	2016(10y)	Free · MIT · BTC full node · Guix-reproducible builds	Visit → Review
Boltz Lightning	A	Anon Signup	Atomic Swap	● .onion	2018(8y)	0.1% swap fee + LN routing · no account	Visit → Review
Cashu eCash	B	Anon Signup	Custodial	—	2022(4y)	Mint-fee varies · Lightning settle · Chaumian privacy	Visit → Review
Coin Wallet Multi-Chain	C	Anon Signup	Non-custodial	● .onion	2015(11y)	NON-CUSTODIAL	Visit → Review
Coldcard Hardware	A	KYC on Trigger	Non-custodial	—	2017(9y)	$120 hardware · Bitcoin-only · PSBT-via-SD	Visit → Review
Edge Wallet Multi-Chain	B	Anon Signup	Non-custodial	—	2018(8y)	Free · Network fees only · third-party swap fees on in-app exchanges	Visit → Review
EigenWallet Atomic Swap	B	Anon Signup	Atomic Swap	—	2025(1y)	Per-swap maker spread (set by each market-maker) + on-chain BTC/XMR network fees. No platform commission — the protocol is permissionless and the eigenwallet team takes nothing per trade.	Visit → Review
Feather Wallet Desktop	A	Anon Signup	Non-custodial	● .onion	2020(6y)	Free · Monero network fees only	Visit → Review
Fedimint eCash	A	Anon Signup	Custodial	—	2021(5y)	Federation-fee varies · threshold guardians · Lightning	Visit → Review
Guarda Multi-Chain	C	Anon Signup	Non-custodial	—	—	NON-CUSTODIAL	Visit → Review
Ledger Nano Hardware	B	KYC on Trigger	Non-custodial	—	2014(12y)	Hardware device $79+ · Network fees only	Visit → Review
Monero.com Mobile	A	Anon Signup	Non-custodial	—	2018(8y)	Free · Monero network fees only	Visit → Review
Monero GUI Desktop	A	Anon Signup	Non-custodial	● .onion	2014(12y)	Free · Monero network fees only	Visit → Review
Monero.one Mobile	A	Anon Signup	Non-custodial	—	2025(1y)	Free · mobile · XMR-native	Visit → Review
Monerujo Mobile	A	Anon Signup	Non-custodial	—	2018(8y)	Free · GPLv3 · F-Droid + Play	Visit → Review
Monfluo Mobile	B	Anon Signup	Non-custodial	—	2025(1y)	Free wallet · XMR network fees only (you choose the fee tier per transaction).	Visit → Review
Mysu XMR-Native	B	Anon Signup	Non-custodial	—	2025(1y)	Free · Network fees only	Visit → Review
Foundation Passport Hardware	A	KYC on Trigger	Non-custodial	—	2020(6y)	$199 hardware · open firmware · QR-only signing	Visit → Review
Phoenix Lightning	A	Anon Signup	Non-custodial	—	2019(7y)	Service-fee model: Phoenix charges a flat fee on liquidity splices (channel resize) — no per-payment markup, no fee on inbound liquidity. Plus the underlying Lightning routing fee (typically <1%) + on-chain network fee on splices. Full schedule disclosed in-app before any fee-bearing action.	Visit → Review
Ripley Terminal Desktop	A	Anon Signup	Non-custodial	—	2026(0y)	Free · desktop · terminal-style UX	Visit → Review
SafePal	C	Unspecified	Standard	—	—	Hardware wallet purchase price varies by model (S1 / X1 / X1 Pro / Cypher). Free companion app. Fee schedule for on-app swaps varies by integration; verify at purchase time.	Visit → Review
SeedSigner Hardware	A	Anon Signup	Non-custodial	—	2021(5y)	~$50 DIY parts · open-source · stateless	Visit → Review
Sparrow Wallet BTC-Native	A	Anon Signup	Non-custodial	● .onion	2020(6y)	Free wallet · Bitcoin network fees only (you choose the fee rate per transaction with full coin control).	Visit → Review
Specter Desktop Hardware	A	Anon Signup	Non-custodial	—	2020(6y)	Free · GPLv3 · Python · multi-vendor multisig	Visit → Review
Stack Wallet Multi-Chain	B	Anon Signup	Non-custodial	—	2014(12y)	Free · Network fees only	Visit → Review
Trezor Suite Hardware	A	KYC on Trigger	Non-custodial	—	2017(9y)	Free software · Trezor hardware €69+ · BTC accepted	Visit → Review
Trezor Hardware	B	KYC on Trigger	Non-custodial	—	2014(12y)	Hardware device $69+ · Network fees only	Visit → Review
Unstoppable Wallet Multi-Chain	A	Unspecified	Standard	—	—	OPEN-SOURCE	Visit → Review
Wasabi Wallet BTC + Privacy	B	Anon Signup	Non-custodial	—	2018(8y)	Free · CoinJoin coordinator fees 0.3% of mixed amount	Visit → Review
Zeus Lightning	A	Anon Signup	Non-custodial	—	2021(5y)	Free · LN routing fees only when self-hosted	Visit → Review

★

Sponsored providers receive priority top placement with explicit disclosure. Editorial grades (A–D), KYC evaluations, and opsec warnings are 100% independent and cannot be purchased under any circumstances (see /transparency).

Compare No-KYC Privacy Wallets 2026 — XMR-First Reviews Providers

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