Guardarian

Guardarian is a non-custodial fiat on-ramp and off-ramp platform founded in 2018 and licensed as a VASP in Lithuania. It lets you buy crypto with euros, dollars, and 39+ other fiat currencies or sell crypto back to fiat without creating a full account on a centralized exchange. Purchased crypto goes directly to the wallet address you provide; Guardarian never holds your funds. On Swapzone, it appears as a fiat exchange partner alongside buy and sell functionality covering 322+ crypto assets across 77+ countries.

Yes. Guardarian holds a VASP (Virtual Asset Service Provider) registration in Lithuania, supervised by the Financial Crime Investigation Service. As a regulated entity, it is subject to AML and KYC requirements under Lithuanian financial law and operates within the EU regulatory framework. The platform has been running since 2018, supports Visa, Mastercard, SEPA, Google Pay, and Revolut, and delivers crypto directly to user wallets — no custodial exposure. Identity verification is required for each transaction as part of its regulatory obligations, not as an optional step.

Yes, KYC is required for every transaction on Guardarian, not just for larger amounts. This is due to AML regulations mandated by Lithuanian financial authorities. Verification involves uploading a government-issued ID (passport, national ID, or driver's license) and taking a selfie. Guardarian's KYC frequency is rated Often on Swapzone. Users who want to buy crypto with fiat using a regulated, licensed provider should expect to go through this process each time; users looking for crypto-to-crypto swaps without KYC should compare rare-rated exchange partners on Swapzone instead.

Select the fiat currency and amount you want to spend and the crypto asset you want to receive. Enter your wallet address. Choose a payment method — card, SEPA bank transfer, Google Pay, or Revolut. Complete KYC by uploading your ID and a selfie. Pay, and Guardarian sends the crypto directly to your wallet, typically within minutes for card payments. For an off-ramp (selling crypto), the process works in reverse: you send crypto to Guardarian's address and receive fiat to your bank account, with refunds taking up to 10 business days depending on your bank.

Guardarian supports Visa, Mastercard, SEPA bank transfer, Google Pay, and Revolut. Available methods depend on your country and the fiat currency you are using. Card and Google Pay purchases are the fastest, typically delivering crypto within minutes. SEPA bank transfers take longer due to bank processing times. All fees are included in the rate shown before you confirm no additional charges appear at checkout.

The closest alternatives available through Swapzone for fiat-to-crypto purchases are Banxa and MoonPay, both regulated on-ramps supporting card and bank payments with similar KYC processes. For users who primarily want crypto-to-crypto exchanges without any fiat involvement, the relevant comparison is among Swapzone's instant exchange partners such as ChangeNOW, SimpleSwap, or StealthEX, which carry rare KYC ratings and require no account or identity verification for standard swaps.