No-KYC Privacy Wallets 2026 — XMR-First Reviews

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