Does Haveno require KYC?

As of Jan 1, 2026, Haveno does not require KYC for normal use. Decentralized peer-to-peer Monero exchange forked from Bisq. No accounts; trades use a 2-of-3 multisig with an arbitrator.

What payment methods does Haveno accept?

Haveno accepts: sepa, faster-payments, revolut, cash-by-mail, bank-transfer, gift-card.

Where is Haveno based?

Operating jurisdiction listed as decentralized (federation of independent networks). This is best-known information; corporate structure can be opaque.

P2P exchanges

Haveno

Haveno is the decentralized Monero-native P2P exchange — Bisq's design rebuilt for XMR rather than BTC.

Website: haveno.exchange
KYC: no KYC — Decentralized peer-to-peer Monero exchange forked from Bisq. No accounts; trades use a 2-of-3 multisig with an arbitrator.
Status: active
Fiat on-ramp: yes
Payment: sepa, faster-payments, revolut, cash-by-mail, bank-transfer, gift-card
Jurisdiction: decentralized (federation of independent networks)
Founded: 2022
Open source: yes
Custodial: no
Last verified: Jan 1, 2026
Sources: 2

Overview

What Haveno is#

A Bisq-style decentralized P2P exchange built around Monero. Trades settle in a 2-of-3 Monero multisig; an arbitrator only signs when there is a dispute. There is no central operator and no account.

Threat-model fit#

Best fit when “non-custodial XMR P2P” is the binding requirement. The trade-off is that liquidity is split across independent federations and matching peers takes longer than on a custodial venue.

Strengths

The Monero-native equivalent of Bisq — no central operator, multisig escrow, no accounts.
Several independent federations (Haveno-Reto, Mons.haveno, etc.) run their own arbitrators.
Direct Monero P2P liquidity that does not require a custodial intermediary.

Caveats

Federation matters — each independent Haveno deployment has different fees, arbitrators, and liquidity.
Desktop-app workflow; the learning curve approaches Bisq's.
Facts need re-verification by operator (last seeded 2026-01).

Verdict

Haveno is the decentralized Monero-native P2P exchange — Bisq's design rebuilt for XMR rather than BTC. Independent federations operate their own arbitrators and liquidity. For users who want non-custodial Monero P2P trading without an operator that can shut down (as LocalMonero did), Haveno is the reference protocol. Pick a federation based on arbitrator reputation and active offer count.

FAQ

Does Haveno require KYC?: As of Jan 1, 2026, Haveno does not require KYC for normal use. Decentralized peer-to-peer Monero exchange forked from Bisq. No accounts; trades use a 2-of-3 multisig with an arbitrator.
What payment methods does Haveno accept?: Haveno accepts: sepa, faster-payments, revolut, cash-by-mail, bank-transfer, gift-card.
Where is Haveno based?: Operating jurisdiction listed as decentralized (federation of independent networks). This is best-known information; corporate structure can be opaque.

Haveno

Overview

What Haveno is#

Threat-model fit#

Strengths

Caveats

Verdict

FAQ

Sources

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