What each gateway ACTUALLY asks for at signup — running list, corrections welcome

Every "no KYC gateway" list on the internet copies the same six lines off each other and none of them have opened an account. This is what happened when I did, with the date I did it.

Rule for this thread: one row per post, and say when. "They didn't ask me anything" from 2023 is not information.

Gateway	Asked at signup	Asked later	Tested
BTCPayServer	nothing — it's your server	n/a	2025-01-19
NowPayments	email, password	not yet	2025-01-21
Plisio	email, password	not yet	2025-01-22
Coinremitter	email, password	not yet	2025-01-22
Cryptomus	email, password	not yet	2025-02-02
OpenNode	email, company name, website, what you sell	—	2025-02-04
SpicePay	email, business info, category declaration	—	2025-02-06

"Not yet" is doing a lot of work in that column and that's the part I want filled in. The signup form is the easy question. What I actually want to know is what they ask on day 90, at 20k, or the first time someone charges back.

I'll keep the table updated as long as people keep posting.

the column that matters is the one you left blank. everyone's signup is email

Correct, which is why I said so. Fill it in then.

Cryptomus. Signup is email only like you say, February 2024 for me.

Then October 2024 they ask source of funds when balance is 3,100 USDT. Not big money. They want invoice or contract showing where it come from. I send, eleven day, they release.

So for your table: "asked later" = yes, at three thousand dollar, not at twenty thousand. Is lower than people think.

Plisio, opened October 2024, still nothing asked. About 40k through it since.

Worth noting the thing they ask for isn't always ID — twice now they've asked me to confirm the destination address by email before a large withdrawal went out. That's not KYC but it is a human looking at your account, which is usually how the other thing starts.

40k over four months, or 40k in a week? The trigger is usually rate, not total.

Four months, fairly even. Biggest single week was about 6k.

Row one is the only row where the answer is stable, because there's nobody to ask. Everything below it is a policy that can change on a Tuesday and you'll find out from a banner.

This is going to be so useful, following

One correction to the OpenNode row, which is a distinction worth keeping straight: what they ask at signup and what they ask for USD settlement are two different gates.

Signing up and settling in Bitcoin is the light version you listed. Electing to settle in dollars to a bank account triggers a full identity process — documents, address, the lot. Their own documentation says so. It is not a change of policy waiting to happen; it is the published design.

Good distinction. Splitting that row on the next update.

Nobody in this thread has mentioned what they collect without asking, which is the column I'd want.

Every hosted gateway on that list logs the IP that created the account, the IP of every dashboard login, and the destination addresses you've ever set. None of that appears on a signup form and all of it exists. Two of them run analytics on the checkout page your customer loads, so your customer's IP is in there too.

"They didn't ask for ID" is a statement about the form, not about what they know. Your threat model is not the onboarding flow.

correct and irrelevant to the question he asked

It's irrelevant right up until the day it's the only thing that matters.

Sorry if this is obvious — does "email, password" mean a throwaway email is fine, or do they check it resolves? I don't want to burn a real one.