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RetoSwap

RetoSwap

Private, non-custodial P2P exchange for seamless crypto and fiat trading. Built on Haveno, Tor and Monero for maximum privacy and security.

RetoSwap is an exchange and p2p service that accepts Monero, Bitcoin, Fiat, and Cash. It has a guaranteed no-KYC policy and has a score of 9/10. There are 21 user ratings averaging 4.6/5.

Scores

9
Overall
Excellent
95
Privacy
Excellent
72
Trust
Good
lvl. 0/4
Guaranteed no KYC
Terms explicitly state KYC will never be requested.

-20 trust from active incidents. See details

KYC Policy

The service is a locally run client that lacks the technical capability to verify identities. Furthermore, its trading rules actively penalize users who demand unnecessary ID copies from counterparties.

Privacy 95 × 60% + Trust 72 × 40% = Overall 9/10
Learn about scores All attributes list

Terms of Service Review

RetoSwap is a decentralized, non-custodial peer-to-peer exchange software. It operates over Tor, stores data locally, and uses security deposits with a built-in arbitration system.

Real details required

Users are required to use their real name and accurate data when setting up fiat payment accounts, matching their actual banking details.

Non-custodial software

RetoSwap operates as a decentralized, open-source software client and never takes custody of your funds.

Local data storage

User profiles and trade data are stored locally on your device and are only shared directly with your specific trade partner.

Peer KYC penalized

Traders can be penalized up to 10% of their security deposit for demanding unnecessary personal data, such as ID copies, from their counterparties.

Payment memo penalties

Arbitrators can deduct up to 25% of a buyer's security deposit for including crypto-related terms or unagreed references in fiat payment memos.

Arbitration penalties

Rule violations, including fraud or non-responsiveness during active disputes, can result in losing up to 100% of your security deposit and potentially the trade amount.

Reviewed from retoswap.com/#faq retoswap.com/Trading%20Rules.html retoswap.com/Penalties%20and%20Resolutions.html

ToS reviews are AI-generated and should be used as a reference only.

Security incidents

How trust is affected

Combined trust impact across 2 active incidents: -20 trust

Events

View all

  1. Android app v1.0.7 released | update encouraged

    A new version of the RetoSwap Android app has been released, making this release compatible with Haveno v1.8.0. It also adds Zcash support and brings the ability to use stablecoin market value when making an offer, besides small UX improvements. Since this release is compatible with Haveno v1.8.0, the one containing the security enhancements, Android users are strongly encouraged to update.

    Source

  2. RetoSwap 1.8.0 released | security issue fixed

    Shortly after Haveno lead developer woodser released version 1.8.0, RetoSwap shipped the update, fixing the previously exploited vulnerability and patching other related issues. Additionally, you can now enable passphrase protected offers, where by only users whom you share the passphrase with can take them. Trading can be resumed. Refunds are still pending but are expected to be covered mostly by future trading fees.

    Source

  3. Attribute added

    Attribute "Decentralized network" was added to RetoSwap

  4. Attribute removed

    Attribute "KYC depends on partners" was removed from RetoSwap

  5. Attribute added

    Attribute "KYC depends on partners" was added to RetoSwap

  6. Attribute removed

    Attribute "Strict no-log policy" was removed from RetoSwap

  7. Attribute change

    An attribute was removed (details unavailable)

  8. Attribute added

    Attribute "Peer to peer network" was added to RetoSwap

  9. Attribute removed

    Attribute "Personal info is not verified" was removed from RetoSwap

  10. Attribute removed

    Attribute "Source available code" was removed from RetoSwap

  11. Attribute removed

    Attribute "Identity-Free registration" was removed from RetoSwap

  12. Attribute added

    Attribute "Mature service" was added to RetoSwap

  13. Attribute added

    Attribute "No registration needed" was added to RetoSwap

  14. Attribute added

    Attribute "Strict no-log policy" was added to RetoSwap

  15. Verification update

    Verification status changed from COMMUNITY_CONTRIBUTED to APPROVED

  16. Service updated

    KYC level changed from 4 to 0. Added currencies: CASH, MONERO

  17. Attribute removed

    Attribute "No registration needed" was removed from RetoSwap

  18. Attribute removed

    Attribute "API available" was removed from RetoSwap

  19. Attribute removed

    Attribute "Peer to peer network" was removed from RetoSwap

Learn about events

Evidence and Review History

How statuses work Our review process
Approved

Passed limited recent checks and met our approval threshold.

  • No review checks have been published yet
  • Last review Jan 13, 2025
  • Approved Jan 13, 2025
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Comments

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  • Double-check before trusting.
4.8
5
86%
4
5%
3
0%
2
5%
1
5%

AI Summary

Updated

Users report that RetoSwap is a reliable P2P exchange for trading Monero without KYC. However, several reviewers note issues with low liquidity, complex installation, and recent software exploits.

  • no kyc
  • p2p platform
  • responsive arbitrators
  • low liquidity
  • complex installation
  • software exploits
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Newest Upvoted Lowest Highest Trusted
medieval_shtetl_1576
0 •

Current version works fine, excellent so far would recommend

hurtful_transceiver_6939
0 •

They faced another exploit, launching haveno opens a prompt that trading is halted until a new version is released and mentions a specific user with whom you shouldn't complete trades. More info on their forum? I suppose that's their simplex but I don't have the app. Unfortunate

tender_stringency_2359
0 •

I’ve had a positive experience with RetoSwap so far. I like that it puts privacy and user control first, and I don’t have to rely on a centralized exchange to trade

social_laundering_4514
0 •

A very nice exchange platform. Had a nice experience using it.

old_terminology_5961
Single review
0 • 5/5 10%

I have used RetoSwap in the past and have had transaction that went well and also recently these decentralised exchanges have been facing exploits which are being abused just to alert anyone most likely more exploits will be used in the future take care and who knows maybe governments are targeting these decentralised exchanges just a theory

nthpyrodev
0 •

An exploit was recently found in Haveno. As a result, the minimum software version for Retoswap has been updated to a non existent version to disable all trading until a patch is released.

improved_bike_7203
Single review
0 • 5/5 10%

If you are a "normal user", hear me out. I´ve been discovering Monero only a few months back, and it honestly has been a revelation to me. I am what u prob would call "normie" in many respects, plus sitting in the EU, so finding time not only to read up on opportunities, but then executing them was difficult. Never had used Tor before, P2P I only know from ebay. RetroSwap was not the easiest software to install, but I dedicated a day, plus another one to fight with SimpleX (to contact arbitrators etc), and find out about nostr and such. Now I´ve done my first 10 trades or so buying XMR, and for most part, it´s been working perfectly. When I did face my first issue over Easter (be aware you only have 48h to reply!) we found a solution. I don´t mind thin liquidity, as all trades are not time sensitive with me and you do find a counterparty in the end. Can´t assess the privacy claims as I am, like I said, just a normal guy, doing IBAN transfers. Also not out to hide anything, but privacy is a human right and I intend to not give it up for anyone. I do believe P2P is the future, and happy to recommend RetoSwap.

aggregate_x-ray_8770
0 • 5/5 10%

GOTO P2P DEX. Longtime user since launch

accursed_relish_1857
Single review
0 • 5/5 10%

Most useful DEX P2P platform to us. TOR sync is sometimes slow, but still very reliable solution. Waiting for the coming updates!

deviant_mitten_5520
Single review
0 • 2/5 10%

worked well until today. Update 1.2.3 was pushed out, and running the installer in the folder I chose wiped out completely the folder one layer up from the patch chose, together with all the data I stored there which was important for me. Absolutely stupid how there is no way of communicating with the team for issues like those aside from a SimpleX group. Be careful while installing, create a folder directly from your drive and hope it doesnt wipe the rest

unchecked_fireside_3617
Single review
0 • 5/5 10%

Amazing experience, the best P2P platform ;) as well very helpfull kycnot.me

flushed_gown_4653
Single review
0 • 5/5 10%

Simply the best, hope one day more people will use xmr, creating a more liquid market on retoswap

melodramatic_clamor_6968
Single review
0 • 4/5 10%

Made a few successful trades even without a verified payment method. When a blockchain issue blocked fund release, the arbitrator resolved it within 24 hours.

third-floor_tread_905
-1 • 1/5 10%

I almost got scammed, y'all better be careful when using this, I don't know why people keep hyping their service when it's filled with lots of scammy traders

fearsome_mortgage_3797
0 •

I tried using RetoSwap because it’s advertised as a private, no-KYC option, but I ran into a few issues that made me uneasy. Liquidity was quite low, so finding matching trades was difficult, and the process felt slow. I also noticed that some of their privacy promises and listed features on KYCnot.me have changed over time, which raises questions about consistency and long-term reliability. I like the idea behind RetoSwap, but as a customer I’d feel more confident if they were more transparent about their policies, had verifiable open-source code, and improved liquidity. Until then, I’d be cautious using it for anything beyond small amounts.

dignified_murder_2444
0 •

The code has always been open source though?

nthpyrodev
1 • 5/5 80%

Have made several successful trades, despite my payment method not being signed. When I did encounter an error preventing me from releasing funds to the buyer (due to blockchain reorgs), the arbitrator was able to resolve it within 24 hours.

powdered_trance_7903
0 •

Yes but I had problem to begin with. Couldn't find the installation intuitively on the website.

smoldering_clustering_7161
0 • 5/5 10%

pretty good, app is a bisq fork running on haveno

dissimilar_pottery_6095
0 •

Have had multiple trades with different peers for fiat/cash trades since launch. Have not required any arbitration. Recommend users to place an offer for their region to show that there are people in the region active to entice more users to place offers.

macabre_holly_6537
0 • 5/5 10%

Liquidity is low, and initial signature is a big hurdle. However, given how this exchange works, this is hardly surprising.

Other than that, of course, there is no KYC, and honestly, during the actual trade, the process is far more seamless than it used to be on LocalMonero.

crumbling_jowl_8867
Single review
0 • 5/5 10%

Wonderful, it was my first time I ever traded crypto this week and I was worried it would be a lot of trouble and scamming risks but the more I learn how this platform work, the more optimistic I am about it. I completed two XMR sales for fiat (CAD) and it went very well although the last trade took a long time to complete (almost the full 24 hours).

The only other downside I can think of is the low liquidity (few trades available) between XMR and CAD but that's not a reason to NOT use it. That a reason to START USING IT ! Come on, people ! This is the best platform and all it needs is more of YOU !

glorious_productivity_8263
Single review
0 • 5/5 10%

Amazing service. Punctuality, Professionalism, Integrity

non-Communist_noose_9065
0 • 5/5 20%

Good service, good support, if you have Arch linux, installation via AUR is also possible. For some reason, this is not indicated on the site :)https://aur.archlinux.org/packages/retoswap

masked_subculture_9735
0 • 5/5 10%

so far, more than 8.000 euros converted into monero without any KYC. 100% recommended

invading_atom_8819
Active user
0 • 5/5 45%

Bisq for Monero instead of Bitcoin. Not many users yet but this will change. Very cool platform. The only problem is that you need to put a security deposit, which is annoying if you want to buy XMR but don't have XMR for the security deposit.

dissimilar_pottery_6095
0 •

No Deposit offers now exist. The xmr seller/maker will have to create one first. The seller must share with you a password that is created so that you can take it. Usually external contact info is provided so you can talk to the maker and they share the password.

invading_atom_8819
0 •

Thank you for the information! However not easy to find someone as long as it is not for example someone you know in real life.

picturesque_sheepskin_1472
0 • 5/5 10%

Amazing exchange! Have sold a lot of monero for EUR with no issues so far!

dignified_murder_2444
0 • 5/5 10%

Especially for Europeans, Retoswap is the best way to buy and sell Monero. I have traded a decent bit of volume on Retoswap over the last year without any issues. It's a super anon way to trade XMR & fiat because, unlike bisq, the payments are practically impossible to map to any on-chain transactions. It is also a lot cheaper and faster because of Monero being the base currency instead of Bitcoin.

intoxicating_samovar_4245
0 • 5/5 20%

The best fiat on ramp currently for Monero. Powerful tool. Based on Haveno which is a for of Bisq, but based on monero. Only inconvenient is you need to already have some XMR for security deposit.

measuring_detective_1164
0 •

You can publish a no deposit offer https://haveno.exchange/faq/#do-i-need-to-own-monero-xmr-to-buy-xmr-on-haveno.

bony_zealot_6833
0 •

I am currently engaging in trading on Haveno and OM, with the impression that Haveno offers a somewhat higher level of trustworthiness due to its implementation of multi-signature (2-of-3) security for ongoing trades. It would be valuable to obtain data on the ratio between open offers and active trades to better understand the extent of liquidity that is effectively protected. Currently, I am unable to find this ratio on haveno.markets.

Additionally, would it be possible to introduce a new attribute labeled 'Multi-signature Trades' with an associated trust rating of 5 points?

dissimilar_pottery_6095
0 •

Haveno is the software provider. Retoswap and dawnswap team package and run respective separate networks. Just keep this in mind in case a network goes rogue. There has been recent discussion by haveno team to put in place some mitigation against arbitrators that may collude or act as a peer to clear the order book. Any suggestions for the haveno software should be taken to haveno github or the matrix chat channel.

rubbery_cabal_2625
Active user
0 • 5/5 45%

Been using Retoswap since it first dropped on the scene early last year. Never had a problem with a trade. A solid Haveno network.