FixedFloat Froze Your Funds or Asked for KYC? What to Do (2026 Guide)

Who this is for

You sent Bitcoin, USDT or another coin to a FixedFloat (ff.io) deposit address. The order did not complete. Instead the status says something like "suspended", "verification required" or "AML check", and an e-mail asks where the funds came from — sometimes with a request for ID. This guide explains what is happening, what to send, and how to lower the odds of it happening again.

It is written to be useful whether or not you ever use Swap.bz. Where Swap.bz works differently, we say so; where it works the same way, we say that too.

Why FixedFloat holds funds

FixedFloat is a no-registration instant exchange, but it is not a no-screening exchange. Every incoming deposit is scored by blockchain-analytics tooling. Its Terms of Service (§7.1) allow suspending an order whose funds appear "clearly related to criminal activity" until the sender provides source-of-funds information. In March 2025 the policy was extended to any funds traceable to eXch, and according to xmr.club's incident log FixedFloat confirmed in June 2026 that it also suspends funds originating from certain sanctioned or high-risk exchanges (HTX/Huobi was named) pending verification.

Triggers most often described in user reports and reviews:

• Direct or one-hop exposure to a mixer, a sanctioned address, or a service on a risk list.
• Coins withdrawn from an exchange or "guarantee merchant" flow that analytics vendors score as high-risk.
• Larger amounts. Small swaps usually clear; holds cluster on bigger orders.
• Repeated sends from the same UTXO or address after a first successful swap — one public report describes a $3,000 swap completing and a $4,000 swap from the same address being frozen ten minutes later.

Independent directories put FixedFloat's freeze rate on aggregator-routed traffic below 0.05% of orders, while direct walk-in users report holds far more often. The point is not that a hold is likely — it is that when it happens, the process is opaque and the outcome depends on documents.

What to do right now

1. Stop sending. Do not "top up", re-send or open a second order to "test". Each new deposit is a new screening.
2. Save everything. Order ID, deposit address, your transaction hash, timestamps, screenshots of the order page and of every e-mail. You will need these in every message.
3. Write to support once, completely. Use the support contact published on ff.io. In one message include: order ID, TXID, the origin of the funds (which wallet or exchange, with a withdrawal record or wallet history if you have one), and a clear request: *release the order, or refund to the following address*. Give a refund address on the same network.
4. Ask two explicit questions in writing: what exactly is required to close the case, and by what date. A hold without a stated requirement and a stated date is what turns a two-day problem into a two-month one.
5. Decide on KYC on your own terms. FixedFloat does not publish a refund-to-source path for flagged deposits, and reviews consistently describe ID (sometimes video) being required before release. If you provide documents, send exactly what is asked, nothing more, and keep a copy of what you sent and when.
6. Escalate calmly if there is no answer within a week. FixedFloat replies to about 98% of negative Trustpilot reviews, typically within 24 hours — a factual review with your order ID often gets a faster human answer than a fourth e-mail. Community directories (KYCnot.me, xmr.club, NoKYCZone) also log cases; stick to facts, dates and amounts.
7. Do not pay anyone who promises to "recover" your funds. Recovery scams target exactly this situation. FixedFloat will never ask you to send crypto to unlock an order.

Realistic expectations

There is no published timeline for an AML hold at FixedFloat. Reviews describe cases resolved in a few days once documents were accepted, and public cases of funds held for many months — including one 1.9 BTC order documented as unresolved after 180+ days. Two variables matter most: how quickly and completely you can document the origin of the funds, and whether you are willing to identify yourself.

Also useful to know: FixedFloat lost about $28M in two hot-wallet incidents in 2024. Users were not affected according to the operator, but pending orders were delayed for weeks. A hold and an incident look the same from the order page, so check their status channels before assuming your case is an AML case.

How to avoid this next time

• Know your inputs. Coins straight from a well-known exchange withdrawal or from your own long-held wallet score low. Coins that recently touched a mixer, a sanctioned service or a high-risk venue score high — regardless of your intent.
• Send from a wallet you control, with a simple history. Fresh addresses funded from a clean source are the lowest-risk pattern. Avoid consolidating many small inputs of mixed origin right before a swap.
• Test small on any new service. A first $50–100 order tells you a lot before you commit a large one.
• Prefer services that collect a refund address before you deposit. If an order cannot complete, the value has somewhere to go that is not "pending review".
• Keep the order ID and TXID in a note, every time. Support at any service starts there.
• Compare freeze policies, not just rates. A slightly better rate is worth nothing if the deposit sits in review. Our no-KYC exchange comparison lists each service's stated hold policy side by side, with sources.

Where Swap.bz stands

Honestly: any instant exchange, including Swap.bz, can see a deposit paused by a liquidity partner's AML screening. We will not tell you otherwise.

What is different in how a Swap.bz order is built:

• No account, ever — there is no balance to freeze and nothing to log into. You quote, deposit, receive.
• Refund address first. Before the deposit address is shown, you enter a receive address and a refund address for the coin you send. If the order cannot complete, value goes back to that address on the same asset and network, minus network fees. You are not left negotiating where a refund should go.
• One order ID, human support. Every order page shows the ID and the live status from deposit to payout. Support (Telegram or e-mail) follows the order with the partner; the ID is all we need.
• Published fees and public stats. 0.5% Standard or 1% Private Swap, shown in the quote before you send — and live swap counts on /stats.

If you are looking at alternatives after a hold, read the full FixedFloat vs Swap.bz comparison — it also lists where FixedFloat is the better fit (Lightning in and out, fixed-rate orders). And if you just want to see the flow before sending anything, the animated walkthrough shows every step, addresses included.

Sources

• FixedFloat Terms of Service, §7.1
• FixedFloat — terms update on eXch-linked funds (March 2025)
• xmr.club — FixedFloat review and June 2026 incident note
• NoKYCZone — FixedFloat review 2026
• Seven Trading — FixedFloat review (Trustpilot response rate, AML complaints)
• Trevoid — public notices on held FixedFloat orders