No KYC. Ever. Here's why.
Neloxi never asks for your name, ID, selfie, address, or any personal data. Below is the legal reasoning, the technical setup that makes it possible, and what "no KYC" actually means for your privacy when you use the service.
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Short answer
Mobile recharges are low-value retail purchases, not money transmission. Under FATF Recommendation 16 and most national interpretations, retail transactions below a few hundred dollars are exempt from customer due diligence. Selling a $20 phone top-up does not legally require identifying the buyer, any more than selling a prepaid scratch card at a kiosk does.
The legal reasoning
1. Not money transmission
FinCEN guidance (FIN-2014-R012, FIN-2019-G001) clarifies that a merchant accepting crypto for goods or services is not a money transmitter. Neloxi sells a service (airtime delivery), it does not transfer crypto on behalf of users.
2. Below FATF thresholds
FATF Recommendation 16 sets a $/€1,000 occasional-transaction threshold for CDD. A single phone top-up is capped at $200–$500 depending on the operator. No order we sell crosses that line.
3. Already-regulated end product
The operator (MTN, Vodafone, Vivo, Jio…) is the regulated entity. They know the SIM and the line. We just deliver credit to a number — the same way a kiosk does when it sells scratch cards anonymously.
What "no KYC" means in practice
It means we never ask, never collect, never storepersonal data. There is no account to create. There is no "upload your passport for larger amounts" warning that appears at checkout. There is no email, no phone number on file, no profile linking your orders together.
It also means we cannot tie your orders together. Order #1 made yesterday with a Lightning payment, and order #2 made today with Monero, are not linkable on our side — there is no user identifier to join them on.
It does not mean Neloxi is invisible.The phone number you recharge is the line owner's identifier with their operator. If your threat model includes the operator itself, no top-up service can fix that — the operator already knows the line.
Compared to other services
| Service | Account required | Email required | KYC for top-ups | Accepts Monero |
|---|---|---|---|---|
| Neloxi | No | No | No | Yes |
| Bitrefill | Yes (for most purchases) | Yes | For higher amounts | No |
| CoinsBee | Yes | Yes | For higher amounts | Yes (some products) |
| MobileTopUp.com | Yes | Yes | Yes | No |
Information based on public sign-up flows as of 2026. Each service's policy can change — verify on their own site before relying on this.
Common KYC questions
The questions we get most often about no-KYC.
Why does Neloxi not require KYC?
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.
Is buying mobile credit with crypto anonymous?
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.
Does the operator know who paid for the recharge?
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.
What is the maximum amount I can recharge without KYC?
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.
Ready to try?
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