Bisq, RoboSats, RetoSwap, Hodl Hodl, Peach, Vexl and atomic swaps — escrow model, what you need to start, apps and the latest status, including the 2026 security incidents.
Snapshot from 2026-10-02 21:00 UTC · live premium index →
| Platform | Coins | Pay with | Escrow & security | Account / ID | Need crypto first? | Apps | Status |
|---|---|---|---|---|---|---|---|
| Bisq (Bisq 1)KYC 0Experienced users who want the widest choice of payment methods | BTC ↔ fiat & altcoins (incl. XMR) | Bank transfer, cash by mail, face-to-face and many more | 2-of-2 multisig, security deposits from both sides, mediation/arbitration | No account; Tor built in | Yes — a BTC security deposit | Desktop | Active (v1.10.9, Oct 2026). May 2026 altcoin-trade exploit; victims reimbursed; max trade now 0.25 BTC. source |
| Bisq Easy (Bisq 2)KYC 0Newcomers buying their first small amounts of BTC | BTC ↔ fiat | Bank transfer, payment apps, cash | Seller-reputation model; no escrow, buyers protected by the seller's reputation | No account; Tor built in | No — designed for first-time buyers | Desktop and mobile app | Active (v2.1.13, Sep 2026). source |
| RoboSatsKYC 0Small to mid amounts, fast settlement over Lightning | BTC (Lightning) ↔ fiat & others | Bank transfer, payment apps, gift cards and more | Lightning hold invoices + fidelity bonds; federated coordinators | No account — throwaway robot identities; Tor | A small Lightning bond (a few % of the trade) | Web/Tor, Android, self-hosted client | Active (v0.8.7-alpha, Sep 2026); new coordinators added. source |
| RetoSwap (Haveno)KYC 0Buying Monero directly with fiat | XMR ↔ fiat & crypto | Bank transfer, cash by mail, payment apps, crypto | 2-of-3 multisig with an arbitrator; security deposits | No account; Tor built in | Usually — an XMR security deposit | Desktop | Active on Haveno v1.8.0 (Jun 2026) after two exploits in May–June 2026. source |
| Hodl HodlKYC 0Larger BTC trades with on-chain escrow | BTC ↔ fiat | Bank transfer, payment apps, cash | Non-custodial 2-of-3 multisig escrow | Email account; terms allow ID requests | No (as a buyer) | Web | Online; some countries restricted — check their terms. source |
| PeachKYC 0Existing users — check status before relying on it | BTC ↔ fiat | Bank transfer, payment apps, cash | Escrow paused since 31 Aug 2026 | App account | No (as a buyer) | Mobile app | Restricted: only KYC'd or high-reputation sellers can sell; EU/EEA restrictions noted after 1 Jul 2026. source |
| VexlKYC 0Local, in-person cash trades | BTC | Cash in person, bank transfer — agreed with the other person | None — trades within your extended contact network | Phone number at signup; contacts are hashed | No | Mobile app | Active; redesigned app rolling out in 2026. source |
| eigenwalletKYC 0Turning BTC into XMR with no counterparty risk | BTC → XMR | Bitcoin you already hold | Atomic swap — trustless, protocol-enforced | No account; everything over Tor | Yes — Bitcoin | Desktop (Windows, macOS, Linux) | Active (v4.15.0, Sep 2026). Formerly UnstoppableSwap. source |
| BasicSwapKYC 0Cross-chain swaps without a company in the middle | BTC, XMR, LTC and more | Crypto you already hold | Atomic swaps on a decentralised order book | No account | Yes | Desktop (self-hosted) | Active (v0.18.10, Sep 2026). source |
KYC pills show each platform's LessKYC level (0 = never asks for ID). Click a platform for its full privacy score, reviews and live status.
Bisq is a desktop app with on-chain multisig and the widest payment-method choice, but Bisq 1 needs a BTC deposit and trades are capped at 0.25 BTC. RoboSats runs in a browser or on Android, settles over Lightning in minutes and needs only a small bond, which makes it better for small, fast trades. Both run over Tor and need no account.
Both are desktop, Tor-based P2P apps with security deposits. Bisq is Bitcoin-centric; RetoSwap is built around Monero and uses arbitrator-backed 2-of-3 multisig. RetoSwap was exploited twice in May–June 2026 and patched in v1.8.0, while Bisq 1 had an altcoin-trade exploit in May 2026 with victims reimbursed.
RoboSats uses Lightning and throwaway identities with no account; Hodl Hodl uses on-chain multisig escrow and an email account. RoboSats suits smaller amounts; Hodl Hodl is often used for larger trades. Hodl Hodl's terms allow it to request ID.
Status checked against each project's own releases and announcements on 2 Oct 2026. Features change; always confirm on the official site.