Limited recent checks passed
Fixedfloat is an exchange offering swaps with a wide variety of cryptocurrencies.
FixedFloat is an exchange service that accepts Monero, Bitcoin, and Lightning. It may request KYC during risk checks and has a score of 4/10. There are 30 user ratings averaging 3.2/5.
Scores
- Shotgun KYC
- May request KYC or block funds mid-flow, typically via AML checks, transaction limits, or liquidity partner rules. Refunds are subject to policies.
- May require KYC/SOF by policy/law -6 -4
If obliged by law or in accordance with the service's internal policy, this service may at any time require mandatory procedures such as identity verification, KYC or provide Source of Funds (SOF) information.
If obliged by law or in accordance with the service's internal policy, this service may at any time require mandatory procedures such as identity verification, KYC or provide Source of Funds (SOF) information.
-6 Privacy-4 Trust - Refunds may require KYC -3 -3
In some cases, especially when funds are flagged for AML risk, linked to suspicious activity, or hit blacklist/compliance checks, the service may require KYC or other personal information before processing a refund.
In some cases, especially when funds are flagged for AML risk, linked to suspicious activity, or hit blacklist/compliance checks, the service may require KYC or other personal information before processing a refund.
-3 Privacy-3 Trust - May Freeze or Seize Funds 0 -3
These services use internal checks to monitor for suspicious activity. If a transaction is flagged as suspicious, your funds may be frozen or seized. Sometimes they allow users to unlock funds by providing Source of Funds information, or KYC.
These services use internal checks to monitor for suspicious activity. If a transaction is flagged as suspicious, your funds may be frozen or seized. Sometimes they allow users to unlock funds by providing Source of Funds information, or KYC.
0 Privacy-3 Trust - Transaction monitoring -1 0
Deposits are analyzed for blacklisted sources. This service automatically scans transactions AML scores. Flagged transactions may require KYC/SoF verification to complete the trade or unfreeze funds. Resolution depends on the individual service's policy, as some may issue refunds without verification.
Deposits are analyzed for blacklisted sources. This service automatically scans transactions AML scores. Flagged transactions may require KYC/SoF verification to complete the trade or unfreeze funds. Resolution depends on the individual service's policy, as some may issue refunds without verification.
-1 Privacy0 Trust - Own liquidity 0 +2
The service runs its own liquidity, so there is no third-party LP that could independently demand KYC or block funds.
The service runs its own liquidity, so there is no third-party LP that could independently demand KYC or block funds.
0 Privacy+2 Trust
- Shotgun KYC -15 0
May request KYC or block funds mid-flow, typically via AML checks, transaction limits, or liquidity partner rules. Refunds are subject to policies.
May request KYC or block funds mid-flow, typically via AML checks, transaction limits, or liquidity partner rules. Refunds are subject to policies.
-15 Privacy0 Trust - Hard KYC process -3 -6
This service is known for having a particularly difficult KYC process. They may repeatedly request additional documents and information, and sometimes may not be satisfied with any of the materials you provide, being an arbitrary and dull process.
This service is known for having a particularly difficult KYC process. They may repeatedly request additional documents and information, and sometimes may not be satisfied with any of the materials you provide, being an arbitrary and dull process.
-3 Privacy-6 Trust - Data Sharing -3 0
Personal and account data may be shared with authorities and third-party providers for compliance, fraud prevention, and service provision.
Personal and account data may be shared with authorities and third-party providers for compliance, fraud prevention, and service provision.
-3 Privacy0 Trust - Source code is private 0 -1
The service's source code is not public, so it cannot be reviewed or audited by the community. This limits transparency.
The service's source code is not public, so it cannot be reviewed or audited by the community. This limits transparency.
0 Privacy-1 Trust - Accepts Monero +5 0
This service accepts Monero, a privacy-focused cryptocurrency that provides enhanced anonymity.
This service accepts Monero, a privacy-focused cryptocurrency that provides enhanced anonymity.
+5 Privacy0 Trust - No registration needed +5 0
Users can access and use the service without creating an account. This enables a faster and more convenient user experience while also offering enhanced privacy and anonymity.
Users can access and use the service without creating an account. This enables a faster and more convenient user experience while also offering enhanced privacy and anonymity.
+5 Privacy0 Trust - Good Customer Support 0 +5
Customer support for this service is usually fast and helpful. They answer questions fast and solve problems.
Customer support for this service is usually fast and helpful. They answer questions fast and solve problems.
0 Privacy+5 Trust - Mature service 0 +5
This service has been operational for 7 years. While this indicates stability, it is not a future-proof guarantee.
This service has been operational for 7 years. While this indicates stability, it is not a future-proof guarantee.
0 Privacy+5 Trust - Approved 0 +5
Passed limited recent checks and met our approval threshold. Read more about the listing statuses.
Passed limited recent checks and met our approval threshold. Read more about the listing statuses.
0 Privacy+5 Trust - Legally registered 0 +2
Legally registered as FixedFloat in Marshall Islands 🇲🇭.
Legally registered as FixedFloat in Marshall Islands 🇲🇭.
0 Privacy+2 Trust - API available 0 0
An API is available for programmatic interaction with this service.
An API is available for programmatic interaction with this service.
0 Privacy0 Trust - JavaScript needed 0 0
The service requires the user to enable JavaScript in order to access and use its features.0 Privacy0 Trust - Telegram bot available 0 0
The service has a Telegram bot available.
- Base score +50 +50
Overall = 60% Privacy + 40% Trust (Truncated)
Terms of Service Review
FixedFloat is a non-custodial exchange that avoids mandatory registration but uses Shotgun KYC. They can suspend orders and freeze funds if transactions are flagged as suspicious.
Shotgun KYC
The service enforces Shotgun KYC. They may suspend orders and freeze funds if they suspect criminal activity or rules violations until identity and source of funds are verified.
Data sharing
They reserve the right to share your personal data, explicitly including IP addresses, with business partners and government authorities upon their request.
Transaction scanning
Transactions are subjected to automated scanning. Funds linked to sanctioned entities, criminal activity, or centralized non-AML compliant services will be frozen.
Strict refund penalties
Mistakes like missing MEMO tags or wrong networks incur commission fees, delays up to 30 days, or outright refusal of refunds. You may also need to prove ownership of the sender address.
Non-custodial service
FixedFloat is a non-custodial platform. They do not hold user balances or deposits, meaning users retain self-sovereignty over their assets outside of active trades.
Prohibited jurisdictions
Citizens and residents of the United States, as well as users in sanctioned countries, are strictly prohibited from using the service.
Reviewed from ff.io/terms-of-service
ToS reviews are AI-generated and should be used as a reference only.
Events
View all-
Attribute added
Attribute "May require KYC/SOF by policy/law" was added to FixedFloat
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Attribute added
Attribute "Telegram bot available" was added to FixedFloat
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Attribute removed
Attribute "Strict no-KYC policy" was removed from FixedFloat
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Domain change
Service URLs updated from https://ff.io/ to https://ff.io
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Attribute added
Attribute "Hard KYC process" was added to FixedFloat
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Attribute added
Attribute "Refunds may require KYC" was added to FixedFloat
Evidence and Review History
Passed limited recent checks and met our approval threshold.
- No review checks have been published yet
- Last review Dec 18, 2024
- Approved Dec 18, 2024
- Operating since Jun 6, 2018
Comments
On March 19, FixedFloat froze order number ****M5Z (trocador order ****MLHrh) of approximately 0.06 BTC, alleging these funds were associated with criminal activity.
Even after providing full SoF + full KYC + mountain of other personal info over the last 7 weeks, they are still keeping my money.
First they asked for all sorts of details and were given the full name of the person who the BTC was bought from, their phone number, the exact location and manner in which the tx was completed, the type of wallet that was used, the reason for purchasing BTC, etc. Fixedfloat refused to accept this information, stating the funds would remain with them as the information provided was inadequate. They also denied any possibility to transfer the funds to any government/police for safekeeping and never provided any details on the alleged "criminal activity" they were investigating.
After many days of back and forth over several dozen emails, their partner Trocador then reached out to inform that they have managed to convince Fixedfloat to waive their (made up) requirement of a legal paper receipt in our particular case, and that FF have agreed to simply verify identity before returning funds back. I later found that this "special option" is explicitly stated in FF's terms of service.
But of course, FF had never offered us any such recourse on their own.
FF then said there would be several more steps in the identity verification process but they couldn't say the exact requirements, nor did they ever commit to releasing the funds at the end of the process. Over several dozen more emails, FF first asked for a photo ID, then asked for a high resolution audio and video recording with specific instructions of movements to be made, something specific that had to be said, and asked for the fixedfloat order details to be shown in the video, shown on another electronic device.
When asked about the privacy issues surrounding this, they refused to state where in the world this personal data is stored and whether or not it is encrypted. They also refused to delete any of the data at absolutely any point in the future (even several years later). They also flatly refused to do further checks on a phone or video call, insisting on email alone for everything.
Keep in mind that they were already hacked TWO times in the last year - and the hackers seized complete control over all their servers and the data on it.
Reluctantly, I still sent them a video as per their demand, but including a watermark with their name and the current date, in hopes of getting them to keep it safe and not share it with (other) criminals. But FF then refused to accept this as being valid because the watermark was unacceptable to them.
But after I filed a claim under the Trocador guarantee, suddenly FF changed their mind (yet again) and suddenly accepted the ID and video as valid. Then, they demanded a full bank statement, which of course has no connection to identity whatsoever and is violation of their own ToS.
I have now filed complaints with my local police, US FBI's IC3, and with UK's Financial Ombudsmans Service since that is where FF is supposedly based (though they are UNLICENSED and UNREGISTERED). It also appears that FixedFloat is already officially BLACKLISTED in some countries.
Stay away from this criminal enterprise, as they will not hesitate to pocket your money and NEVER RETURN IT NO MATTER WHAT YOU DO. All under the guise of "anti money laundering"
EDIT: See FF's boilerplate response below. They neither deny operating without registration, nor violating their own ToS in keeping my funds frozen after having verified my personal info.
Hi sorry that these crooks are doing this to you. This soubds similar to my initial experience around a year ago with them, though in my case they only did the interrogation for a day then ghosted me. I did get my money back MONTHS later, but it sounds like theyve gotten even worse now.
These guys are possibly selective scammers I think. They want to make KYC nearly impossible. They asked me insane stuff too, they wanted a screenshot of the transaction list of not my wallet, but the wallet that first sent my wallet funds which makes NO SENSE, because thats someone else's wallet, how can I get such a screenshot? I told them they can check the blockchain for history, but they wanted a screenshot of the wallet (thats owned by someone else I did a trade with that I obviously dont have access to) software open, showing the transactions, and I think they also wanted the full doxx of that wallet owner too, I forget everything that they asked, but they demanded many things.
But it was obvious that they were shady within the First 5 mins of talking to them.
My funds were frozen six months ago (on October 26, 2025, at 12:31 PM), and I still haven’t been able to recover them. This service is a scam do not use FixedFloat!
They are stealing more and more funds from late 2025 after getting enough trust from users, they are a non-custodial and they are completely anonymous meaning that they have zero right to hold funds that are not eligible to them. the right for asking for proof of funds didn't given to them by law. it's just a stupid excuse to steal people money. you can't file a complaint or a normal lawsuit. they are not obligated to any law enforcement under any country. they are anonymous meaning you can't sue them. even FBI, INTERPOL, CIA whatever organization out there no one can hold your funds. the top they can do is to try and reach you out if they suspect you and make a lawful procedure. fixed float are not the law and anyone who faced same issue know that its a known new scam they are start to perform. just don't use them move on to different services.
A platform where KYC isn't required but still be careful as many users complain that their funds have been blocked by the platform, but there's no official statement of releasing funds. So use with caution.
No KYC requiered, just any email address. I did a trx around 6k USDT to BTC and didn't choosed the right net of my USDt (erc20 instead of BNB). They solved the problem kindly (1 chat and 1 email) in less than 4 days, incredible service. I hope they keep doing it that well, with really low fees and so quick with good liquidity. 5 stars by now.
My funds has been lock randomly. In the last months i seen that they lock more and more funds and ask impossible things.
Weird kyc also to record yourself, show your screen while recording, say their weird text. Never go with this guys please! I say this from my heart!
My funds were frozen two months ago (on October 26, 2025, at 12:31 PM), and I still haven’t been able to recover them. This service is a scam do not use FixedFloat!
I only used ff for testing purposes. I've heard a lot of bad reviews about them blocking funds and sending marked crypto to users.
There isn't much trust in this service. If you want no KYC, I don't think this is the place for you.
my 1000 USDT fund is blocked by them. They falsely claim that my funds were earned through illegal activities. They are dishonest and selectively scam users. After I increased the rate, the transaction got stuck, and now they are demanding numerous documents. Avoid these thieves!
i hear a lot of horror stories about ff but i have exchanged over a million dollars in xmr total over past year or two, usually ~$50kish at a time, into other coins (usually stables) and have never had any issues except when a solana transaction they sent didn't actually send, in which their support team fixed it in 20 mins
i can't speak on sending non-xmr TO fixedfloat - that is where i assume their AML systems may trigger, but in my experience, they've been really good
Only use it with money you are willing to loose they stole roughly 3000 euro from me, if I don't do their kyc they will keep the funds, keep the money I ain't doing your kyc fuck your exchange.
I've been using for months and never had any issues. I've swapped to XMR from multiple chains, sol, eth, arb, bsc.
Since mid-August they blocked access from Tor with a fake message "U.S. persons cannot make an exchange on FixedFloat.com". Support is very erratic, initially they said it was an error and they're working on fixing it, then they became hostile saying they could not help and advised using VPN instead.
FixedFloat has frozen 1500+ euros worth of bitcoin from me.
On August 5th I created the exchange order W4ES9H (attached screenshot). The order was marked as completed but the xmr was not paid out.
Support indicated that the order was blocked by the system and I should write to compliance@fixedfloat.com and provide proof of funding.
The Fixedfloat compliance team indicated that funds received from btc wallet 3GdtWyHMUAVkuAPQWCcv5c8tXaH8wHWNKy (coinbase) were reported as stolen and asked for proof in the form of screenshots. After I sent all the required screenshots (coinbase transaction ss, coinbase withdraw ss, bank statement) they asked for video proof as the screenshots are easy to modify.
The video was sent on August 6th at 6am GMT, and they have not released my funds until today. I have wroten emailsdaily, they always respond that they need more time to verify.
Again, the bitcoin was bought on Coinbase using Apple Pay and I provided all required information, including bank statement showing the money leaving the credit card. Also, the 'problem' transaction is about 190 euros but they blocked the whole exchange and are withholding 1500 euros in bitcoin from me.
At this point I believe I will not see my money again. Attached proof.
Should I receive my money I will update this thread.
https://ibb.co/SXTgZGj8 https://ibb.co/k2Rwz86s https://ibb.co/QvfL8g44 https://ibb.co/23WtxcyP https://ibb.co/sdY7Cd0J https://ibb.co/bMyNHz72
After freezing my money in August, today, after about 6 months, my bitcoin was refunded.
I am updating this thread to let everyone know what to expect with this service.
They have been dishonest throughout this whole process, going as far as providing me with a fake company name and address (maybe they do not know that the company list is public).
Also they are accusing me of crypto theft but they ignored me several times when I asked for even a single piece of evidence which suggests that.
Attached proof:
https://ibb.co/WdWMxp9 https://ibb.co/5h4Vs1NB https://ibb.co/Rp7QrYh7 https://ibb.co/7dL15Js1 https://ibb.co/Jjr5QgZs
After 6 weeks FixedFloat has not released my money and they have not provided any evidence or clue that the money originated from 'illegal activity'.
Attached proof, including coinbase purchase of bitcoin with transaction number.
https://ibb.co/0pC84j5Z https://ibb.co/NdytG4XN https://ibb.co/Z1TRCVmq https://ibb.co/Tx1yTQ5z
Also reuploaded previous proof. I appreciate that FixedFloat takes the time to thank users who post positive feedback but would not waste time to respond to people who have serious problems with their service.
https://i.postimg.cc/3rk7Yr47/0.png https://i.postimg.cc/9Xs2M3Z9/1.png https://i.postimg.cc/156QVWrj/2.png https://i.postimg.cc/CKvTp9wz/20.png https://i.postimg.cc/0QbgkZNZ/21.png https://i.postimg.cc/xC7wcHJQ/22.png https://i.postimg.cc/NFHWTMmH/23.png https://i.postimg.cc/h4QFNC6t/24.png https://i.postimg.cc/bwhjxQ6N/3.png https://i.postimg.cc/Jz5CPGg3/4.png https://i.postimg.cc/SKQF5mFB/5.png
I sent funds (a US$ stablecoin) from a major CEX to FF and on to my Monero wallet. The overall rate (including the CEX fee and FF's floating fee) was good, ending up within the candle for the day. Total transaction time took about 5 minutes. For me personally, very good service.
However, quite concerned about all the KYC issues people are allegedly facing. The whole point about Monero is privacy, so it would suck if FF requires KYC for people wanting to get some XMR.
tbh i haven't experined any issue , it was faster than i've expected i did transers with both xmr and btc and havent experienced any issue if you are going with 500 usr oe less i think it is far better than any platform by means of speed
The good thing is that exchanges are fast. Other than that, you trade at your own risk
I don't know what triggers KYC at FixedFloat, but it's certainly very hard to do. I have exchanged close to a $1M volume since 2021 and had never once been asked to do KYC, and boy did I interact with eXch and other very high-risk platforms.
Sending $8000 at once to a custodial exchange is just begging to be made example of. Most comments here can be classified as a user error.
They blocked my exchange 4 months ago, asking for SoF. Oddly though, they had immediately transferred my coins to their own hot wallet and on to their other customers (a practice in violation of industry practices as well as FF's own claims of fighting illegal activity).
After providing all details about the source of the coins, they refused the refund saying it was not enough to refund. Since I made the order on Trocador, I filed for a claim under the "Trocador guarantee". After pressure from Trocador, Fixedfloat reached out to me to say they will refund if I agree to go through AML. I provided them 3 pieces of ID, photo, video, and audio according to their specific instructions showing the order number via camera on my screen, and also saying it in my voice.
They then refused my refund because I had placed a watermark with their name and the exact date on all these items so they wouldn't be able to leak them so easily. They said this altered them and made them invalid and they would be unable to refund.
Still pressure from Trocador, they then reached out saying they had accepted all my KYC documents, but they now wanted to see my bank statement. Banks do not deal with crypto in my country and so my bank account is not even remotely connected to anything. Further, each of these demands from the very beginning was in violation of FF's own ToS.
Had I provided them my bank statements I'm convinced they would find a new excuse to keep my funds. This is also evidenced by scores of other testimonials all over the internet. Only in my case, Trocador was also involved and is still denying my claim under their spurious "guarantee".
I've used FixedFloat dozens of times for small amounts since 2023 with no issues. I wouldn't trust them with large amounts though, given the other comments.
I have never had any problems using this service. Orders were fulfilled quickly.
I used fixefloat multiple times and never had an issue. I heard you might have issues if it does not pass their AML system. Since that's not my case, as most of my coins were purchased on CEX many years ago, I still use them.
scammed by Fixedfloat! 8000+ EUR Do not use this service.
Added context: The commenter has not been scammed, he is refering to this bitcointalk thread
FixedFloat froze our funds for payment of a contributor to a DAO. We provided more and more information until the point where they wanted to forced submission of ID documents (Passport etc).
FixedFloat is many time accused of scamming users by freezing or stealing funds. I would not suggest anyone to use it.
Added context: BitcoinTalk Thread provided by user
Hello,
We never freeze user funds without reason, if the user has provided all the evidence that he is not involved in a crime - we unfreeze the funds and carry out an exchange or return the funds. If you are referring to claims by individual users, each of them was considered and resolved individually. We do not support the use of our service for fraudulent purposes.
The rules of our service prohibit using the service for any illegal purposes. If clearly fraudulent or stolen funds are sent to our addresses, we have the right to request information about the source of the funds to ensure that the funds were received in good faith.
We value our reputation and do not want to be accomplices in crimes, which, if ignored, could result in our service being blocked.
Never had any KYC issues with this exchange. Fast and a lot cheaper compared to competitors.
I personally have only used it twice and had no problems. Everything went quickly and easily and at 0.5% it is much cheaper than other exchanges.
But you should be careful. I've read a lot that sometimes the order is blocked and a KYC check is necessary. This was not the case for me. Maybe that's because I had a new address and wasn't suspicious anywhere.
They freeze all your orders if you have interacted with exch.cx If you complete their kyc (which is difficult) they release the funds.
Hello,
We never freeze user funds without reason, if the user has provided all the evidence that he is not involved in a crime - we unfreeze the funds and carry out an exchange or return the funds.
The rules of our service prohibit using the service for any illegal purposes. If clearly fraudulent or stolen funds are sent to our addresses, we have the right to request information about the source of the funds to ensure that the funds were received in good faith.
We value our reputation and do not want to be accomplices in crimes, which, if ignored, could result in our service being blocked.
I never said that you freeze without a reason I explicitly stated one reason that causes fund loss if deposited to your exchange if the user doesn't want to do kyc
Dont have the order ID to prove this since it was like a year ago, but they froze my funds, I contacted support and they started interrogating me, then suddenly stopped responding and ghosted me.
I thought they scammed me, but then 2 MONTHS later, they finally released my funds without further explanation.
So I am rating them 2 stars instead of 1 since they did eventually return my money, but them holding my money hostage for months was totally unacceptable.