No-KYC Privacy Wallets 2026 — XMR-First Reviews_

B Anonero ●

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

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

A Monero.com ●

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

fees Free · Monero network fees only

A Monero.one ●

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

fees Free · mobile · XMR-native

A Monerujo ●

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

fees Free · GPLv3 · F-Droid + Play

B Monfluo ●

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

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

A Bitcoin Knots ●

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

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

A Feather Wallet ●

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

fees Free · Monero network fees only

A Monero GUI ●

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

fees Free · Monero network fees only

A Ripley Terminal ●

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

fees Free · desktop · terminal-style UX

A Boltz ●

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

fees 0.1% swap fee + LN routing · no account

A Phoenix ●

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

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.

A Zeus ●

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

fees Free · LN routing fees only when self-hosted

B Cashu ●

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

fees Mint-fee varies · Lightning settle · Chaumian privacy

A Fedimint ●

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

fees Federation-fee varies · threshold guardians · Lightning

A Coldcard ●

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

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

B Ledger Nano ●

Hardware wallet for Monero — secret stays on the device.

fees Hardware device $79+ · Network fees only

A Foundation Passport ●

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

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

A SeedSigner ●

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

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

A Specter Desktop ●

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

fees Free · GPLv3 · Python · multi-vendor multisig

A Trezor Suite ●

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

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

B Trezor ●

Hardware wallet — open-source firmware, XMR support via Monero GUI.

fees Hardware device $69+ · Network fees only

B Edge Wallet ●

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

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

B Stack Wallet ●

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

fees Free · Network fees only

B EigenWallet ●

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

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.

B Mysu ●

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

fees Free · Network fees only

A Sparrow Wallet ●

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

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

B Wasabi Wallet ●

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

fees Free · CoinJoin coordinator fees 0.3% of mixed amount