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.

SwapBuy / Sell

You Send

B

BTCBitcoin

Enter the amount you want to exchange

You Get

0.00000000

X

XMRMonero

Fetching live quotes…

Floating rateBest price, small variance at settlement

All fees includedAggregating providers

Exchange

Fetching live quotes…

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

   Enter the BTC amount

   Select Bitcoin as the source and Monero as the destination, then enter the BTC amount you intend to deposit. The live amount determines provider coverage, minimums, and estimated XMR output.

2. Step 2

   Compare estimated XMR payouts

   Compare responding providers by the XMR expected at your wallet and by fixed or floating terms. Monivo compares connected providers that return a quote for this order, not every market.

3. Step 3

   Allow for Bitcoin confirmation time

   Review the deposit window before choosing fixed terms. Your wallet sets the Bitcoin miner fee, and a fee that confirms too slowly can take the deposit beyond the provider's quoted window.

4. Step 4

   Verify the Monero address

   Paste a native XMR address from a wallet you control and compare its first and last characters. Monivo does not create or hold a Monero balance for you.

5. Step 5

   Send the exact BTC deposit

   Send the required BTC amount to the one-time Bitcoin address before expiry. Do not reuse that address or send a second deposit if the order page is waiting for confirmations.

6. Step 6

   Track the XMR payout

   Keep the Monivo order link and your BTC transaction hash. The page follows source-chain confirmations and the provider's progress until XMR is sent to the destination address.

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.