No-KYC services in France (2026)

No-KYC services from France in 2026: SEPA-friendly, EU AMLD applies, SIM-registration strict.

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 available

• 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
• Hodl Hodl Multisig P2P
• RoboSats Lightning P2P
• Trocador Instant swap aggregator
• Monero Privacy coin

VPN and network

• Mullvad VPN No-account, cash by mail
• AirVPN Italian activist-roots, port forwarding
• Proton VPN Free tier

Email

• Proton Mail Swiss, mainstream
• Tuta (Tutanota) 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 specific to France

• 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

Is Monero legal in France?

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

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

1. AMF France
2. Economy ministry — AML/CFT

Country page reviewed May 12, 2026. Cite as: https://fuckyc.org/country/france/