# No-KYC services in France (2026)

> Source: https://fuckyc.org/country/france/
> ISO: FR · Last verified: 2026-05-12

## TL;DR

From France, **SEPA P2P** on Bisq, Peach Bitcoin, Hodl Hodl, or RoboSats. Email — **Proton Mail** (Swiss), **Tuta** (German), or **Posteo** (German cash-by-mail). VPN — **Mullvad** or **AirVPN** (Italian operator). Anonymous eSIM via **Silent.link** because of SIM-registration. Standard EU-wide privacy stack; nothing France-specific is meaningfully different from German conditions.

France's regulatory posture on no-KYC services follows the EU AMLD framework. SEPA-zone P2P is the durable on-ramp; SIM-registration is enforced; privacy-email operators have to be picked outside the country if you want non-French jurisdiction. AMF regulates crypto-asset service providers.

## Legal context

- EU AMLD framework applies; transposed into French law via the monetary and financial code.
- AMF (Autorité des Marchés Financiers) regulates Prestataires de Services sur Actifs Numériques (PSAN).
- SIM-registration is required at the carrier level.
- France has historically applied EU-wide rules without significant local-specific carve-outs for crypto.

## Payment rails

- SEPA Instant — primary European rail.
- Cash by mail — legal in normal amounts.

## Crypto and exchange routes

- **bisq** — P2P, no central operator
- **peach-bitcoin** — Mobile-first SEPA P2P
- **hodlhodl** — Multisig P2P
- **robosats** — Lightning P2P
- **trocador** — Instant swap aggregator
- **monero** — Privacy coin

## VPN and network

- **mullvad** — No-account, cash by mail
- **airvpn** — Italian activist-roots, port forwarding
- **protonvpn** — Free tier

## Email

- **proton-mail** — Swiss, mainstream
- **tuta** — German, default-on encryption
- **posteo** — German, cash-by-mail

## Mobile, hosting, messaging

- **silent-link** — Anonymous eSIM
- **njalla** — Anonymous hosting and domains
- **signal** — Messaging
- **simplex-chat** — Messaging without phone

## Caveats

- SIM-registration enforced — no anonymous prepaid SIMs.
- AMF-registered PSAN exchanges enforce KYC at signup.
- EU AMLD rules apply to anyone operating a crypto-asset business in France.

## FAQ

**Q: Is Monero legal in France?**

Holding and transacting peer-to-peer is legal. AMF-registered exchanges generally do not list XMR.

**Q: Can I buy crypto with cash in France?**

Yes, via P2P routes. Cash-by-mail to a vetted P2P seller works. Cash-in-person trades happen on AgoraDesk.

## Sources

- [AMF France](https://www.amf-france.org/)
- [Economy ministry — AML/CFT](https://www.economie.gouv.fr/lutte-blanchiment-financement-terrorisme)