Frequently asked questions

No. You enter the phone number and the amount, pay the crypto invoice, and the credit is delivered. No email, no password, no profile. The order is anonymous as long as your wallet is.

No. Neloxi never asks for ID, selfie, address, or any personal data. Mobile top-ups under typical retail amounts are not regulated as money transmission in most jurisdictions, which is why no operator we sell for requires KYC at the point of recharge.

Bitcoin (on-chain and Lightning), Monero, USDT (TRC-20, ERC-20, Solana), USDC, Ethereum, Solana, Tron, Litecoin, BNB, Dogecoin and Dash. Lightning is recommended for top-ups under $200 because of near-zero fees; Monero is recommended if you want unlinkable payments.

Lightning, Solana and Monero confirm in under 60 seconds and the recharge is delivered immediately after. On-chain Bitcoin and Ethereum take longer because they need 1 confirmation (10–60 minutes for Bitcoin, 1–3 minutes for Ethereum).

If the operator fails the recharge (wrong number, suspended line, or a temporary API outage), you receive a full refund in the same cryptocurrency to a refund address you provide on the order page.

Bitrefill requires an account for any purchase above a small threshold and asks for an email at minimum. Neloxi works without any account and accepts Monero alongside Bitcoin and Lightning, which Bitrefill does not.

Both. Enter any valid phone number for a supported operator and the credit lands on that number. You do not need to own the line.

150+ countries with around 900 operators covered, including all major operators in Nigeria, India, Brazil, Mexico, Philippines, Indonesia, Egypt, Kenya, Argentina, Turkey, Pakistan, Bangladesh, and most of Europe and Latin America.

Mobile top-ups are legal everywhere they are sold by retailers. Paying for them with cryptocurrency is also legal in most jurisdictions. Neloxi geo-blocks sanctioned jurisdictions and the United States. If you are unsure about your country, check local law before using the service.

Mobile recharges are low-value retail purchases. They are not classified as money transmission, securities, or any financial product that requires customer identification under FATF guidelines. Treating a $10 phone top-up the same as a bank transfer is regulatory theater, not a legal requirement.

It is as anonymous as your payment is. Using Lightning, Monero, or a fresh Bitcoin address makes the purchase unlinkable to your identity. If you reuse a KYC'd exchange withdrawal address, the purchase is traceable to that exchange account.

No. From the operator's point of view, the recharge arrives through a wholesale aggregator with no record of the buyer. The only data the operator stores is the phone number and amount, which is identical to what happens when you buy a scratch card at a kiosk.

There is no Neloxi-imposed limit beyond what the operator allows for a single recharge — typically the highest available denomination, which ranges from $20 to $500 depending on the country.

Three reasons. First, you avoid the credit-card markup mobile operators apply to foreign cards (often 3-5%). Second, you can recharge a phone in a country where you don't have a local bank. Third, you don't reveal a bank account or card number to the operator or to a payment processor.

Lightning Network for under $200 top-ups (sub-cent fees, instant) and Solana or USDT-TRC20 for larger amounts. Avoid on-chain Bitcoin and Ethereum if you care about fees.

Monero by default. Bitcoin via Lightning is mostly private but not perfectly. Litecoin with MimbleWimble and Dash with PrivateSend offer optional privacy. USDT/USDC are not private — every transfer is public.

When you create an order, Neloxi locks the exchange rate at the moment you confirm. Pay the invoice within 15 minutes and you get the exact amount of airtime quoted. If the crypto price moves before you pay, the airtime amount stays the same.