How to swap BTC to XMR (Bitcoin to Monero)

Converting Bitcoin (BTC) to Monero (XMR) takes a few minutes with a non-custodial exchange — no account, no custody, settled straight to your Monero wallet. This guide walks through every step, the best wallets and no-KYC providers for BTC→XMR, the fees that matter, and how to keep the swap private.

Exchange CryptoBuy / Sell Crypto

You Send

B

BTCBTC

You Get

X

XMRXMR

Floating rateBest price, small variance at settlement

Aggregating providers

Best rate

+0.60% vs worst quote

You get

2.6196 XMR

via ChangeNOW·~8 min

Continue

Best Price Guarantee

We compared 6 providers in real time

You save

+0.54%

+0.014049 XMR extra in your wallet

Best rate

6 offers

ChangeNOWBest

~8m·floating·No KYC

2.6196 XMR

Best

LetsExchange

~11m·floating·No KYC

2.6092 XMR

-0.39%

SimpleSwap

~10m·floating·No KYC

2.6049 XMR

-0.56%

FixedFloatFast

~6m·floating·No KYC

2.6048 XMR

-0.56%

Show 2 more providers

Why swap Bitcoin to Monero?

Bitcoin is transparent by design: every transaction is permanently recorded on a public ledger, and chain-analysis firms can cluster addresses and trace funds. Monero (XMR) is the leading privacy coin — it hides the sender, receiver, and amount of every transaction by default using ring signatures, stealth addresses, and RingCT. People convert BTC to XMR to hold value privately, break the on-chain link between addresses, or transact without exposing their balance and history.

Step-by-step: convert BTC to XMR

1. Step 1

   Choose the BTC → XMR pair

   Set Bitcoin (BTC) as the asset you're sending and Monero (XMR) as the asset you want to receive. Enter the amount of BTC you want to convert and Monivo instantly shows the XMR you'll get after fees.

2. Step 2

   Get a live aggregated quote

   Monivo polls every connected non-custodial provider and surfaces the best BTC/XMR output for your amount. The quote includes the network fee and the exact XMR you'll receive — compare the net payout, not the headline rate.

3. Step 3

   Paste your Monero (XMR) wallet address

   Enter the XMR address from your Monero wallet (Cake Wallet, Monero GUI, Feather, or a hardware wallet). Monero addresses start with a 4 (or 8 for integrated addresses) and are long — paste, never type, and verify the first and last 6 characters.

4. Step 4

   Pick a fixed or floating rate

   A fixed rate locks the BTC→XMR price for ~10 minutes so you know exactly how much XMR you'll receive. A floating rate settles at the market price when your Bitcoin deposit confirms and is usually slightly cheaper.

5. Step 5

   Send your BTC deposit

   Send the exact BTC amount to the one-time deposit address shown. Bitcoin typically needs 1–3 confirmations, so the deposit leg takes roughly 10–30 minutes depending on the fee you paid and network congestion.

6. Step 6

   Receive your XMR

   Once the BTC confirms, the swap executes automatically and Monero is pushed straight to your wallet — no account, no withdrawal step, no custody. Monero confirms in about 2–20 minutes.

Best Monero wallets to receive your XMR

You need a valid XMR address before you swap. Use a non-custodial Monero wallet so you control your keys:

• Cake Wallet

  Popular open-source mobile wallet (iOS/Android) with a clean Monero experience and a built-in exchange. The most-searched way to receive XMR.

• Monero GUI / CLI

  The official desktop wallet from the Monero project — maximum trust and full-node support for advanced users.

• Feather Wallet

  Lightweight, privacy-focused desktop wallet that's fast to set up and pairs well with hardware wallets.

• Hardware (Ledger / Trezor)

  Cold storage for larger XMR balances — generate the receive address from the hardware-backed Monero account.

Address format: standard Monero addresses begin with a 4 and are 95 characters long; integrated addresses begin with 8. Always paste the address and confirm the first and last 6 characters before sending.

Fixed vs floating rate for BTC → XMR

Because the Bitcoin deposit needs confirmations, the BTC/XMR price can move while you wait. A fixed rate locks the amount of XMR you'll receive for around 10 minutes — best when you want certainty. A floating rate settles at the market price when your deposit confirms and is usually a little cheaper, but the final XMR amount can vary. For volatile market conditions, a fixed rate is the safer choice.

Fees and how long it takes

A BTC→XMR swap has two costs: the Bitcoin network fee you pay to send your deposit, and the provider spread baked into the quoted rate. Monivo aggregates live quotes and routes to the best executable rate with no added spread, so the XMR figure you see is what arrives. End to end, expect roughly 15–40 minutes: most of that is waiting for Bitcoin confirmations, while the Monero payout itself lands in about 2–20 minutes.

Keeping your BTC → XMR swap private

• Use a no-account, non-custodial route. Avoid depositing to a centralized exchange that links your identity to the transaction.
• Send from a fresh Bitcoin output. Your BTC deposit is visible on the transparent chain — using an unlinked UTXO reduces what chain analysis can infer.
• Receive to a wallet you control. Monero's privacy only protects you fully when you hold the keys to the destination wallet.
• Verify the destination address (first and last 6 characters) and only swap from the official Monivo URL — search-ad phishing is common in crypto.
• Start with a small test amount the first time you send to a new Monero wallet.

BTC to XMR FAQ

Canonical: https://monivo.io/guides/btc-to-xmr