Je MEXC bezpečný? Bezpečnost, soukromí a rizika vysvětlena v roce 2026

MEXC is a leading global cryptocurrency exchange that operates as a centralized exchange using advanced security features to protect your account and funds. The platform supports spot and futures trading, offers thousands of trading pairs, and lists a wide range of digital crypto assets for users worldwide. 

It is highly safe as it offers mandatory two-factor authentication (2FA), withdrawal whitelist protection, anti-phishing codes, multi-signature cold wallet storage, hot-cold wallet separation, SSL data encryption, DDoS protection, AI-driven risk monitoring, and public proof-of-reserves reports. The exchange also maintains a $100 million Guardian Fund along with an additional insurance pool to help protect user assets in case of unexpected security incidents.

In this guide, we will review whether MEXC is a safe and legitimate crypto exchange for trading and explain all its security measures.

Overview of Account Security on MEXC

MEXC uses a multi-layered defense system to protect your assets from every possible angle. Well, the foundation of their protection starts with a massive $100 million Guardian Fund. Basically, it acts as a dedicated insurance policy to cover you if the exchange ever faces a technical breach or a platform-wide hack. 

They also keep over 95% of all user digital assets in offline cold storage using advanced multi-signature technology. In addition, MEXC offers multiple account protection tools like withdrawal whitelists and anti-phishing codes. The exchange regularly publishes PoR data. This proves they actually have the coins they say they have.  

Now, all data transfers use SSL encryption, and DDoS protection helps keep the platform stable during attacks. An AI-driven risk control system monitors trades, deposits, and withdrawals for suspicious behavior and can trigger temporary freezes to prevent losses.

MEXC Authentication and Login Protection

MEXC secure login starts with a username and a password that meet strict complexity rules. You need at least ten characters, combining upper and lower case letters and numbers. A strength meter shows you if your password is weak, moderate, or strong. 

Plus, MEXC also logs every device that accesses your account. So, through the security center, you can review the list of phones, tablets, and computers that have logged in and remove any that you don’t recognize.

Two-Factor Authentication (2FA)

You know, passwords alone are not enough to protect a crypto account. MEXC requires 2FA for nearly all meaningful actions, including logging in, changing security settings, and withdrawing funds. You should manually turn on Two-Factor Authentication, or 2FA, as soon as you open the app. This is probably the most important thing you can do to protect your cryptocurrency from thieves. 

Well, MEXC supports a few different types for you. You can use SMS codes that come to your phone, but that is a bit risky because of things like SIM swapping. A much better way is to use an app like Google Authenticator or Microsoft Authenticator. Plus, they also support passkeys. It uses your phone’s built-in fingerprint or face ID scanner.

You should also save your backup codes in a secure place. Because if you lose your phone, you can unlink the authenticator using backup keys or by completing identity verification. It’s a bit of extra work, but gives a strong layer of protection.

Withdrawal Confirmation Controls

The MEXC platform has a very strict set of rules for withdrawing funds from the exchange. You cannot just click the “withdraw” button and be done with it. You usually have to enter codes from your email and your 2FA app at the exact same time.

You can further secure your account by setting a withdrawal whitelist. It’s a list of wallet addresses you have pre‑approved for withdrawals. This means you tell the exchange only to allow money to go to specific crypto addresses that you already trust. Now, if a hacker somehow gets into your account, they cannot send your coins to their own wallet because their address is not on your “whitelist”. 

So, no way they can bypass this easily if you have the 24-hour lock turned on for new addresses. Hence, this gives you plenty of time to stop a theft before it actually happens. You can also check out our guide on how to withdraw money from MEXC to a bank account.

MEXC Monitoring and Suspicious Activity Detection

MEXC’s AI-powered automated risk control system checks deposits, orders, and withdrawals for signs of trouble. Basically, it looks for things like rapid self‑trading, unexpected spikes in order size, deposits from flagged addresses, or many accounts controlled by one user. 

Now, when the system spots something odd, it may temporarily block an action or freeze the account until you confirm that everything is legitimate.

Account Freeze and Risk Alerts

MEXC can impose a temporary freeze if it believes an account is compromised or being used for money laundering or price manipulation. Well, during a freeze, you may not be able to trade, deposit, or withdraw. You’ll receive a risk alert explaining why the restriction was triggered. 

You can upload documents through the “Help Center” to request removal, such as proof of identity, transaction evidence, or source‑of‑funds statements. Generally, verified users enjoy faster reviews, while unverified accounts may be required to complete KYC before restrictions are lifted.

Anti-Phishing Mechanisms

Phishing attacks are one of the most common threats to traders, and MEXC takes several steps to help you tell real messages from scams. Here, one useful feature is the anti‑phishing code: you have to choose a short word or number sequence that appears in every official email from the exchange, and if a message lacks your code, you know it’s fake and can ignore it.

The security center also includes a tool for verifying social media profiles. You can type in the handle of a Telegram, X, or Facebook account, and the tool will tell you whether it belongs to MEXC. Plus, official notices always come from domains that end in “mexc.com” or “mexc.co,” so you should be wary of look‑alike sites or addresses on other domains.

How MEXC Protects User Funds

MEXC follows a cold‑hot wallet strategy: most user deposits sit in offline cold wallets that are not connected to the internet, while a smaller portion stays in hot wallets for day‑to‑day withdrawals. The platform also uses secure socket layer (SSL) encryption for all data transfers and deploys distributed denial‑of‑service (DDoS) protection to keep trading services running during attack attempts.

Hot and Cold Wallet Infrastructure

MEXC describes a cold‑hot wallet separation setup, where most funds sit offline in cold storage, and a smaller portion sits in hot wallets for day‑to‑day withdrawals. The platform also states that hot wallets typically hold only a small share of total user assets (it describes a limit of around 5%).

They use multi-signature technology for their cold storage now. This means several high-level managers must all sign off with their private keys before any large amount of money can move.

Well, it narrows the damage from many online attacks. But again, you should also remember that cold storage does not make an exchange “invincible.” A big breach can still happen through key management failures, insider risk, or bad approvals, so you still need personal risk limits. Hence, never store large amounts on centralized crypto exchanges.

Internal Risk Management Systems

MEXC uses multi‑signature for sensitive moves, meaning multiple approvals are needed to move funds. The platform also has penetration testing and plans for bug bounties, which aim to find weak spots before attackers do. 

The company has a dedicated team of experts that manages the liquidity and the technical risks of the site. They have a “Guardian Fund”. It is currently worth $100 million. Well, this special fund is there specifically to pay back users if something goes wrong on the platform’s side, like a technical glitch. Also, they have a futures insurance pool that is even bigger, sitting at over $550 million.

Is MEXC Legit and Regulated?

Yes, MEXC is a legit crypto exchange, but not a regulated one. It operates in many regions but does not hold formal licences due to its no-KYC trading nature. In fact, MEXC operates globally across hundreds of countries. 

Does MEXC Have a License?

The MEXC platform is mainly an offshore exchange based in places like the Seychelles. Well, they do have some registrations in certain regions, such as the MTR registration in Estonia for European operations. But they are not officially regulated by the biggest agencies in the United States or the United Kingdom. 

In fact, some government regulators have even warned people about them because they allow users to trade futures with up to 500x leverage without having a local license in those specific spots. The Financial Conduct Authority warned in 2024 that “MEXC Global Ltd” is not authorized and may be targeting people in the United Kingdom. The Securities and Futures Commission listed MEXC on an alert list and said it is not licensed by the regulator while targeting investors in Hong Kong.

Also, some governments even ordered Apple and Google to remove the MEXC app from their stores for local users. And, as a result, the mobile app is not available in South Korea, India, Japan, or the UK. But users can still access the web platform in some of these places, but you may face extra restrictions or require special domains like mexc.co (India).

Basically, they operate in what we call a “gray area” in many parts of the world. So, you should keep this in mind if you prefer a platform that follows every single local law in your own home country.

Is KYC Verification Mandatory on MEXC?

No, KYC is not mandatory on MEXC for basic cryptocurrency trading, especially for basic spot trading activities. It has different ID verification levels: No KYC, Primary, Advanced, and Institutional.

• No KYC: You can trade and deposit coins, but you cannot withdraw more than 10 BTC per day in most regions.
• Primary KYC: You need to give your full name and a photo of your ID. This lets you withdraw up to 80 BTC every single day.
• Advanced KYC: You have to do a live facial recognition scan on your phone, and this lets you move up to 200 BTC a day and gives you access to special events. 

Note: You should also expect extra checks during risk events, as MEXC says withdrawals may require KYC facial verification based on circumstances.

Where is MEXC Not Allowed?

MEXC is not allowed in countries such as North Korea, Cuba, Sudan, Iran, China, Singapore, the United States, the United Kingdom, Hong Kong, Ukraine regions described as Russian-controlled (including Crimea, Donetsk, Luhansk, and Sevastopol), and Canada.

So, if you live in one of these places, you are technically not supposed to use the site at all. Look, some people try to use VPNs to hide their location, but that is a really bad idea. Now, if you are a new user, you can also use our MEXC referral code during sign-up and get a free welcome bonus.

Does MEXC Share User Data With Third Parties?

The MEXC exchange says they care about your privacy, but they are also a huge business that has to follow international rules. They collect a lot of info like your IP address, what kind of phone you use, your deposits in fiat currencies, and even your trading habits. 

Generally, they share this data with their “service providers,” like the companies that check your ID or the firms that watch for money laundering. Also, if a government sends them a real legal request for a police investigation, they will likely hand over your data to stay out of trouble. Anyway, they don’t just sell your email to random companies for advertising, but you are definitely being tracked while you are active on the platform.

Common Security Risks and Scams on MEXC

The common security risks and scams on MEXC are phishing websites, fake tokens and investment products, fake support staff, and social engineering attacks.

• Phishing websites and apps: Cybercriminals create websites and mobile apps that mimic MEXC’s interface. Mainly, they trick you into typing your login details or recovery phrases. So, you should use only bookmarked links or type the address manually, and download the app only from the official Apple App Store or Google Play Store. Also, if the app is unavailable in your region, do not download it from a third‑party store.
• Fake tokens and investment products: You might receive offers to buy newly launched tokens or get free airdrops if you send stablecoins to a certain contract. The tokens often turn out to be worthless or don’t exist at all. So, you should participate only in token sales or promotions announced by MEXC itself, and verify contract addresses on official channels.
• Fake Support Staff: Sometimes, someone on Telegram or X (Twitter) pretends to be “MEXC Help” and then asks you for your secret password. You should never give it to them.
• Social Engineering: A scammer might call your phone and act like there is an emergency with your account to panic you into giving them access. Well, you need to avoid them too.

What to Do If Your MEXC Account Is Hacked?

You can follow these steps if your MEXC account is hacked:

• Step 1: Freeze Your Account: You should go to the security settings page or the login screen and hit the “Freeze Account button immediately. This will stop all trading and withdrawals for at least 24 hours.
• Step 2: Change Your Email Password: The hacker might have gotten in through your private email first. So, you need to use a new, strong password for your email and turn on 2FA there, too.
• Step 3: Contact Official Support: You have to open the Live Chat inside the official app, and tell the agent exactly what happened and provide your UID number.
• Step 4: Check Your Authorized Devices: Go to the “Device Management” list in your settings, and then delete every single device that you do not recognize as your own.
• Step 5: Gather Your Evidence: You can take screenshots of the stolen transactions and find the IP addresses from the login logs to show the police or the support team.

MEXC Customer Support for Security Incidents

The MEXC support team is available every hour of the day, which is good for people in different time zones. But honestly, they can be a bit slow to respond when the market is really busy, and everyone is panicking. You should always use the official chat button inside the app or on the real website, and do not ever trust “support” accounts that you find on social media sites.

Now, if you need personal assistance, you can easily submit a ticket through the customer service form. You’ll be asked to provide your name, email, issue category, and supporting files like screenshots. The form accepts documents up to 50 megabytes. 

But again, MEXC has faced criticism for inconsistent communication during account freezes, most famously in a 2025 case where it froze a large account without a clear explanation. And, after public pressure, the exchange apologized and refunded the funds. It then promised to improve its complaint resolution process.

How to Keep Your MEXC Account Safe

To keep your MEXC account safe, you need to follow measures such as a strong password, enable 2FA, activate anti-phishing code, use the withdrawal whitelisting feature, and many more, as explained below.

• Use a strong, unique password: You should combine upper and lower case letters, numbers, and symbols. A password manager can help you generate and store complex passphrases.
• Enable multi‑layer 2FA: You should set up Google Authenticator or another time‑based app, and pair it with email and SMS verifications if available. Also, check that the security level indicator in your account turns green, showing all key protections are active.
• Activate an anti‑phishing code: This is the code that appears in official emails. So, add this and then treat any email missing this code as suspicious and delete it without clicking links.
• Use withdrawal whitelists: You should only withdraw to wallets you have approved in advance. Update or add new addresses only through the official site, not through instructions sent in messages.
• Limit API permissions: If you use trading bots, set API keys to read and trade only. You need to avoid enabling withdrawal permissions and rotate keys regularly. Plus, delete unused keys to minimize exposure.
• Check domains and apps: Always access MEXC by typing the address or using a bookmark. Download mobile apps from official stores, and if the app is unavailable in your region, do not install it from third‑party sources.
• Beware of high‑leverage groups: Generally, some groups on Telegram or Discord that promise secret strategies or high returns are often scams.
• Store large holdings offline: For long‑term holdings, use a hardware wallet and transfer only what you need for trading onto MEXC. This reduces your exposure if something goes wrong on the exchange.
• Monitor announcements: You know, regulations and platform policies change. So, check the Help Center for updates on restricted countries, KYC requirements, and new security features.

Is MEXC Crypto Exchange Truly Safe and Trustworthy?

Yes, the MEXC exchange is generally a very safe choice for people who want to trade coins actively on a global investment platform. They have a solid track record, and they have not had a massive, platform-wide hack that destroyed the whole company. Well, they have over 40 million users and massive daily trading volume (over $10 billion), which proves that a lot of people trust them with their money. 

Many users also choose the platform because of its competitive trading fees, which are generally lower compared to many other major exchanges. The platform is especially popular among experienced traders who want access to high-leverage products and advanced order types.

But you have to remember that a crypto exchange is not a regulated bank. They are an offshore company that operates with its own rules. So, the best way to be safe is to use them for trading, but keep your main wealth in your own private wallet where you own the keys. It also offers features like demo trading MEXC accounts for users who want to test strategies before risking real funds.

Is the MEXC App Safe To Use?

MEXC mobile app mirrors most of the security features found on its website, including 2FA, withdrawal whitelists, and risk monitoring. It has very high ratings, like 4.7 stars, because it is fast, secure, and provides a user-friendly trading environment for beginners and advanced users. It uses your phone’s biometrics, like your face scan or your thumbprint, to keep your wallet locked tight.

However, because the app has been removed in some countries due to regulatory orders (as discussed above), you should not download it from third‑party websites, as fake apps are a common way to steal credentials. So, if the official app isn’t available in your region, stick to the web version and check for regional announcements on alternative domains.