Frequently asked questions

Monivo is a non-custodial cryptocurrency exchange. You can swap between 1,000+ assets, or buy and sell with a card, without creating an account.

Pick the coin you want to send and the one you want to receive, enter the amount and your receiving address, then send the deposit to the one-time address shown on your order page. No account, no email. Your tracking link shows each step — deposit received, confirming, sending — until the new coins land in your wallet.

No. Crypto-to-crypto swaps need no account, no email and no ID. Buying or selling with a card is handled by a regulated payment partner, and banks require a one-time identity check on card transactions — that step belongs to them, not to Monivo.

Most swaps land in under 10 minutes once your deposit is confirmed on its source network. Slower chains such as Bitcoin and Monero can take longer, especially if you send with a low network fee.

Crypto swaps start from roughly $2 and have no upper limit. Card purchases follow our payment partner's daily / monthly thresholds, shown at quote time.

Fixed rate locks the quote at the moment you start the exchange — you know exactly what you'll receive. Floating rate quotes update with the market until your deposit lands, which can be better when prices move in your favour.

On a fixed-rate swap the countdown shows how long the provider guarantees your locked rate — for the quoted amount, asset and network. The timer stops the moment your deposit arrives at the order address. If it runs out before your deposit arrives, follow the instructions on your order page: providers typically let you continue at the live market rate or send the deposit back to your recovery address, less the network fee.

Monivo adds no fee of its own — the rate you are quoted is the rate the provider pays out. We earn a referral commission from the liquidity provider on each completed swap, which comes out of their margin and not yours. You still pay the blockchain's own network fee, which goes to miners or validators.

If an exchange can't be completed, the provider returns the funds to the recovery address you give at quote time. Monivo never holds your money, but the provider does hold your deposit while it processes the swap, so the refund follows that provider's policy: it can take network and service fees, and in some cases the provider asks for extra information before sending funds back.