KYC level
None — no account
SplitNOW unverified
Multi-wallet OTC aggregator routing across 40+ exchanges, splitting one order into up to 100 wallets · no KYC documents, but its AML policy describes source-of-funds profiling and KYT monitoring · custodial clearinghouse, Hong Kong entity · since 2025
Verification criteria
⚠ Recorded incidents
critical
2026-04-01 Unproven allegation
Unresolved
Unproven but serious allegation: two Trustpilot reviewers report funds taken or held. One states funds were stolen while using the service directly; another states all user funds were halted with no response from the advertised 24/7 support, the founder visibly active on Telegram but silent on Discord and the site widget, and calls it an exit scam. No independent confirmation, no on-chain evidence published, and the operator has not replied to the negative reviews. Overall Trustpilot score 3.4 from only 6 reviews. Source: trustpilot.com/review/splitnow.io
major
2025-11-26 Policy
Ongoing
Marketing claims no KYC ever, but the AML policy states the operator profiles customer risk from source of deposit funds and usage pattern-tracking, runs automated KYT monitoring, applies enhanced due diligence to users from high-risk jurisdictions, and may reject transactions or suspend and terminate accounts. It also states full cooperation with regulatory authorities. Source: splitnow.io/aml-policy
major
2025-11-26 Policy
Ongoing
Custodial by its own terms: the service is described as a clearinghouse that processes and transfers user coins through its systems, so funds pass through operator control rather than routing non-custodially like Trocador or CypherGoat. Refunds require contacting support and supplying an address, with no contractual deadline. Source: splitnow.io/terms sections 2 and 5.2
minor
2025-11-26 Policy
Ongoing
The privacy policy claims minimal collection while listing email addresses, IP addresses, wallet addresses and transaction records retained for compliance. Governing law is stated only as international law principles with no named jurisdiction or court, which is not an enforceable choice-of-law clause. Operator declares a Hong Kong location on GitHub. Twenty-one jurisdictions are blocked, including all of Ukraine. Source: splitnow.io/privacy-policy, splitnow.io/terms section 14, splitnow.io/restricted-regions
Posture
Custody
Custodial
Logging policy
Standard
Data collected
email, ip, wallet_addresses, transaction_records
Authority data-sharing
Shares with authorities
JavaScript
Required
Open source
Partial
Frozen-funds policy
Freezes funds
Blocked jurisdictions
AF · BY · CF · CU · CD · ER · GW · IR · IQ · LB · LY · ML · KP · RU · SO · SS · SD · SY · UA · YE · ZW
Privacy — Aggregator
Non-custodial routing
No
No cross-provider tracking
No
Works over Tor without JS
No
Publishes per-provider KYC risk
No
Details
Providers compared
40
Best-rate routing
Yes
API available
Yes
Reliability
30-day uptime
100.0%
Incident history
4 recorded