Almost all wallets are integrating swaps to monetize their app. It started with coinomi and changelly, which somehow hasn't been charged with fraud yet.

The only moble xmr wallet that I know of that doesnt have a swap service integrated is monfluo.

I know some of these swap services do shotgun KYC, and at least in the Monero world anyone that does that has historically been completely shunned, but many of them don't do that, or haven't done it yet, and know that their market is largely the Monero community. Lots of users find them useful, and as long as the app maintainers stick to responding to concerns from users of their swap features like they've been doing, it's an OK compromise IMO. We have sites like nostr:nprofile1qqsrnnzne83l04ycpvsmaf0tezjmnn0hlfjnjsctt2pxazk4yutgv4spr9mhxue69uhhyetvv9ujuumwdae8gtnnda3kjctv9uq32amnwvaz7tmjv4skc7fwv3sk6atn9e5k7tcpzamhxue69uhhsmtj9e6hxetwdaehgu3wdaexwtch5wdjr that help us navigate the privacy landscape with regard to these services and the status quo seems positive, at least for now.

in last 7 years I’ve heard of shotgun kyc happen like twice with cake users. Basically non-existent.

We have a deal with our providers that if user refused kyc, the funds will be returned. But like i said its happened twice. Furthermore you can choose your provider in cake. All good questions and concerns.

If you need more suggestions for your wallet feel free to ask us.

In the suggested model above there might even be a business opportunity to operate an ASR.

If EigenWallet or some other trustless swaps could be integrated then great.

You may have deals with those other providers to refund the money if users refuse to do KYC, but that can change suddenly and still ultimately amounts to "trust me bro".