Bisq
8.8/10 total
A peer-to-peer exchange desktop application that routes everything over Tor with no company, no server and no account. Trades settle into a 2-of-2 multisig escrow. The only genuinely trustless fiat on-ramp on this list, at the cost of a real learning curve and thin order books.
Scores
Weights are published in the method and applied identically to every entry.
For
- No company or server to seize, freeze funds, or demand ID
- Fully open source and Tor-native by default
- Multisig escrow means no counterparty custodies your funds
- Supports fiat on-ramps without any verification
Against
- Desktop application, not a website: real setup friction
- Thin liquidity and wide spreads on anything but BTC
- Trades take hours, not minutes, because a human is on the other side
- Requires a refundable security deposit
Agent access 2/10
Desktop application with a local RPC. Not practical for a remote agent, and trades need a human counterparty.
Reported separately and not counted in the total. It measures what an autonomous agent can do unattended, not whether the service is safe to use.
Fees
~0.1% – 0.7% + miner fee
Trading fee plus a security deposit that is returned on completion. Cheaper than any custodial swapper for fiat on-ramps.
Specification
- Type
- Peer-to-peer
- KYC policy
- No KYC
- Custody model
- escrow
- Account required
- no
- Assets
- 20+
- Chains
- 3
- Operating since
- 2016
- Jurisdiction
- none
- Onion service
- yes
- Works without JS
- yes
- Open source
- yes
- Facts checked
- 2026-07-31
Links
Plain links, no referral parameters. Verify the domain yourself; phishing clones of every service in this table exist.