PE
Swiss-regulated P2P Bitcoin app with no registration and no KYC below CHF 1,000/day — funds locked in a 2-of-2 on-chain multisig escrow, source code on GitHub, EUR/CHF/GBP/SEK payment methods including cash and Revolut.
Peach Bitcoin is a non-custodial, peer-to-peer Bitcoin marketplace operated by Peach SARL, a Swiss company registered as an SRO member of Polyreg and licensed as a Financial Service Provider under Swiss AMLA. Co-founded by Steph and Czino, it is built around a single idea: let anyone in Europe buy or sell Bitcoin from another person, using the payment rails they already have (SEPA, Revolut, Wise, PayPal, Amazon vouchers, cash in person), without surrendering identity documents. The app is distributed via Apple TestFlight, Google Play, Zapstore and a direct APK, and source code is published on github.com/Peach2Peach.
You download the app and are instantly set up with a self-custodial Bitcoin wallet — no registration, no email, no ID. Browse the order book, pick an offer in EUR, CHF, GBP or SEK, and start a trade. As buyer, you send fiat via the payment rail you both agreed on; as seller, your sats are locked in a 2-of-2 on-chain multisig escrow until the buyer confirms. End-to-end encrypted chat lets you coordinate payment details without exposing personal information to Peach's servers. Trades average around nine minutes. Peach charges a ~2% fee to buyers; it's free to sell.
Peach does not run Personal Identification checks at signup — no account, no email, no document. Under Swiss AMLA, however, it operates a CHF 1,000-per-day threshold above which escalations can apply, so it sits cleanly in the tiered (L3) KYC bucket: most users transact fully anonymously under the threshold, larger traders do not. User data is encrypted and stored on-device; Peach's servers only keep a hash of the device identifier plus the trade metadata required to operate the escrow. The escrow is itself non-custodial — Peach can't take your Bitcoin because it never holds your Bitcoin; the 2-of-2 multisig requires either counterpart signatures or dispute arbitration.
Structurally, Peach stacks up well. The 2-of-2 multisig escrow is the canonical non-custodial pattern, the app is verifiable from the peach2peach repositories, and a regulated Swiss parent gives the project an unusual amount of operational stability for a privacy-leaning P2P product. Cash in-person meetups and gift-card trades keep the no-KYC path wide open. Limits: it is Europe-focused today, with only EUR, CHF, GBP and SEK in the order book; fees are around 2% for buyers, noticeably higher than a centralised exchange's spread; the app is mobile-only (iOS via TestFlight while the App Store review remains pending); and there is no formal third-party security audit published. Users who exceed the CHF 1,000/day threshold should expect the AMLA-mandated escalation.
Peach Bitcoin scores 7.2 / 10 at KYC level tiered (L3). For European users who want to buy or sell modest amounts of Bitcoin peer-to-peer without creating an account, it is one of the cleanest options in the category — non-custodial, source-verifiable, regulated enough to be durable. Keep trades below the daily threshold if full anonymity matters, favour cash or gift-card payment methods over bank rails when privacy is the goal, and pair Peach with a separate on-chain wallet for long-term cold storage.
NO
Non-custodial crypto swap aggregator with no signup, no email and zero KYC — single-use deposit addresses, 70+ coins across 20+ chains including Monero and Lightning, ~8-minute median settlement.
Cross-chain atomic-swap DEX from the Particl Project, run locally as a self-hosted node with Docker — trustless BTC↔XMR swaps via adaptor signatures, no accounts, no fees, MIT-licensed.
Non-custodial P2P Bitcoin marketplace with 2-of-3 multisig escrow, running since 2016 — 100+ fiat currencies, 300+ payment methods, 0.5-0.6% fees. Email required but no ID; US not served.
Decentralised P2P Bitcoin exchange with on-chain multisig escrow — no signup, no custody, desktop and mobile apps routed through Tor by default, with DAO governance and AGPL-3.0 source code.
SW
Non-custodial aggregator comparing instant-swap rates from 18+ partner exchanges across 1,600+ assets — no signup, no KYC at the aggregator layer, funds never touch Swapzone wallets.
XM
Peer-to-peer Monero marketplace for goods and services — non-custodial with optional 2-of-3 multisig escrow, no email or ID required, born out of the Monero Talk podcast community.
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