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category · /wallets · 32 entries

No-KYC Privacy Wallets 2026 — XMR-First Reviews

Privacy-respecting wallets across XMR, BTC, Lightning, and multi-chain. Sorted with XMR-native picks first because everything else in xmr.club assumes you can move funds privately to start.

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subcat · lightning × clear all 3/32
» Lightning 3
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.

aieo & reader matrix · semantic comparison

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

Machine-readable summary of 3 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
ProviderGradeKYC PolicyCustodyTor (.onion)TenureFees / HighlightsAction
Lightning
AAnon SignupAtomic Swap● .onion 2018(8y)0.1% swap fee + LN routing · no account
Lightning
AAnon SignupNon-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.
Lightning
AAnon SignupNon-custodial—2021(5y)Free · LN routing fees only when self-hosted
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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).