Does Stack Wallet require KYC?

As of Jan 1, 2026, Stack Wallet does not require KYC for normal use. Self-custody multi-coin wallet; built-in swap and buy flows route through external providers with their own policies.

What payment methods does Stack Wallet accept?

Stack Wallet accepts: crypto, card (via partners).

Where is Stack Wallet based?

Operating jurisdiction listed as Cypher Stack (Canada, operator-disclosed). This is best-known information; corporate structure can be opaque.

Privacy wallets

Stack Wallet

Stack Wallet's value proposition is "one self-custody wallet that does Monero, Bitcoin, and some less-common privacy chains.

Website: stackwallet.com
KYC: no KYC — Self-custody multi-coin wallet; built-in swap and buy flows route through external providers with their own policies.
Status: active
Fiat on-ramp: yes
Payment: crypto, card (via partners)
Jurisdiction: Cypher Stack (Canada, operator-disclosed)
Founded: 2022
Open source: yes
Custodial: no
Last verified: Jan 1, 2026
Sources: 2

Overview

What Stack is#

A multi-chain self-custody wallet with broad privacy-coin support, by Cypher Stack.

Threat-model fit#

Good fit for users who need privacy-chain coverage beyond Monero in a single wallet.

Strengths

Multi-chain self-custody including Monero, Wownero, Firo, EpicCash, and Bitcoin.
Mobile and desktop builds; F-Droid available.
Tor support and built-in CoinControl on supported chains.

Caveats

Built-in fiat onramp uses third-party providers; their KYC profile applies, not Stack's.
Younger codebase than Cake/Feather; review the release history.
Facts need re-verification by operator (last seeded 2026-01).

Verdict

Stack Wallet's value proposition is "one self-custody wallet that does Monero, Bitcoin, and some less-common privacy chains." For users who want Wownero or Firo in the same app as XMR and BTC, it is the most-developed option.

FAQ

Does Stack Wallet require KYC?: As of Jan 1, 2026, Stack Wallet does not require KYC for normal use. Self-custody multi-coin wallet; built-in swap and buy flows route through external providers with their own policies.
What payment methods does Stack Wallet accept?: Stack Wallet accepts: crypto, card (via partners).
Where is Stack Wallet based?: Operating jurisdiction listed as Cypher Stack (Canada, operator-disclosed). This is best-known information; corporate structure can be opaque.

Stack Wallet

Overview

What Stack is#

Threat-model fit#

Strengths

Caveats

Verdict

FAQ

Sources

Mentioned in

Guides

Quick answers

Alternatives to Stack Wallet