Head-to-head privacy comparison: KYC friction, trust score, jurisdiction, fees, audits, supported regions, and network support. Higher trust score: Phoenix Wallet.
Chaumian e-cash protocol on Bitcoin Lightning. The mint cannot link sends to receives — genuine transactional unlinkability. CAUTION: each mint is a custodian. If the mint disappears, tokens are worthless. Best for small amounts on trusted mints.
Self-custodial Lightning wallet by ACINQ. No account, no KYC, auto-manages channels. Hold your own keys with a 12-word seed. The cleanest Lightning experience for non-technical users.
| Metric | Cashu | Phoenix Wallet |
|---|---|---|
| KYC level | Zero KYC | Zero KYC |
| Trust score | 69/99 | 89/99 |
| Jurisdiction | — | FR |
| Fee | Free | 0.4% liquidity fee |
| Countries/regions | Global | Global |
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Cashu scores 69/99 and Phoenix Wallet scores 89/99. Use this page as a starting point, then review each provider profile for ownership, warnings, and policy changes.
