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Monivo

How to swap XMR to BTC: network, quote, and wallet guide

A XMR→BTC swap moves value from Monero to Bitcoin. Monivo compares estimates returned by connected providers for your amount; the provider you select issues the deposit address, executes the swap, and sends BTC to your wallet.

TL;DR

  • • Choose XMR → BTC and enter the amount you will actually send.
  • • Match the source and destination networks before copying an address.
  • • Compare estimated BTC output, rate type, minimum, and expiry.
  • • The selected provider issues the deposit address and executes the swap.
  • • Most swaps complete in under 10 minutes; timing is not guaranteed.
Swap XMR → BTC now →
Enter the amount you want to exchange
You Get

What changes from XMR to BTC

You are giving up Monero, a privacy-focused native asset, and receiving Bitcoin, a UTXO-based native asset. The important change is not only the ticker: the destination wallet must support Bitcoin, while the sending wallet must use the exact deposit network and amount in the order.

Network and address checklist

  • • Use an address that supports BTC on Bitcoin; a familiar ticker does not prove the network matches.
  • • Confirm the source and destination networks shown in the quote before sending.
  • • If the receiving wallet supplies a memo or tag, copy it exactly; otherwise do not invent one.
  • • Compare the first and last six characters of the BTC address after pasting it.

How to read the live estimate

Coverage
A provider appears only when it returns an executable XMR→BTC estimate for your amount. Missing providers are unavailable, not zero-priced.
Estimated output
Compare the estimated BTC delivered, not a headline rate. Provider pricing and payout costs are reflected in that estimate; your sending wallet may charge separately.
Fixed or floating
A fixed quote holds its stated output only under the provider's amount, expiry, and deposit-window terms. A floating quote is calculated at execution and can move.
Minimum and expiry
Use the minimum and expiry shown with the current quote. Refresh after changing the amount, asset, network, or after a quote expires.

Step-by-step: swap XMR to BTC

  1. Step 1

    Enter the XMR amount

    Select native Monero as the source and native Bitcoin as the destination, then enter the XMR amount. Provider minimums and the estimated BTC output depend on the current quote.

  2. Step 2

    Compare estimated BTC payouts

    Review the BTC expected at your destination, the rate type, and the provider executing the swap. The source is private by default, but the resulting Bitcoin payout is visible on Bitcoin's public ledger.

  3. Step 3

    Review confirmation and provider terms

    Check the quote's expiry and the provider's deposit requirements. Monivo does not require an account or identity documents to start, while the executing provider may apply its own verification rules to an order.

  4. Step 4

    Verify the Bitcoin address

    Paste a native Bitcoin address you control and compare its first and last characters. Use a fresh receiving address if that matches your normal Bitcoin wallet practice.

  5. Step 5

    Send the exact XMR deposit

    Send the required XMR amount to the one-time Monero address and retain the wallet transaction ID. Do not send another deposit while the first is confirming.

  6. Step 6

    Track the BTC payout

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

Illustrative example

Example: swapping 5 XMR into native Bitcoin

A Monero holder wants to exchange 5 XMR and receive BTC at a self-custody Bitcoin address.

  1. 1.They enter 5 XMR and compare the estimated native BTC payouts from providers currently quoting the route.
  2. 2.They check fixed or floating terms, the deposit deadline, and the selected provider's order conditions.
  3. 3.They verify the Bitcoin address, send the exact XMR deposit, and keep both the Monero transaction ID and order link.

Live-quote note: This example does not predict the BTC payout or completion time. Both depend on the live quote, source confirmations, and executing provider.

Connected provider availability

Currently connected swap providers: ChangeNOW, SimpleSwap, LetsExchange, StealthEX, Godex, Changelly, FixedFloat, ChangeHero, Lizex, Swapuz. This is an availability list, not a ranking. A provider is usable for a particular swap only when it returns a current estimate for that pair, amount, and network.

  • ChangeNOW
  • SimpleSwap
  • LetsExchange
  • StealthEX
  • Godex
  • Changelly
  • FixedFloat
  • ChangeHero
  • Lizex
  • Swapuz

Fees, rates, and safety

A XMR→BTC swap has two cost layers: the selected provider's pricing and payout cost, already reflected in the quoted estimate, and any network or withdrawal charge your own sending wallet or exchange applies when you send Monero.

Monivo adds no separate platform fee, and the estimate remains subject to the selected provider's terms. The aggregated quote shows the estimated BTC you receive before you deposit — compare that net estimate, not the headline rate; the provider that executes the swap confirms the final amount.

Use a fixed rate to lock the price before depositing, or a floating rate to settle at market when your deposit confirms. Always verify the destination network and the first and last 6 characters of your BTC address before sending.

If something does not match

Before sending

If the network, address, amount, rate type, or expiry is wrong, stop and request a new quote. Never test an uncertain address with the full amount.

After sending

Do not send a second deposit. Save the XMR transaction hash and order reference, check on-chain confirmations, then contact 24/7 live support if the status does not advance.

Wrong amount or late deposit

The provider may reprice or return the deposit under its terms. Only the executing provider can confirm the outcome once funds were sent.

XMR → BTC FAQ

How long does a XMR to BTC swap take?

Most crypto-to-crypto swaps complete in under 10 minutes. Actual time depends on source-chain confirmations and the executing provider, so this is typical, not guaranteed.

Do I need an account or KYC for XMR to BTC?

A standard crypto-to-crypto swap does not require a Monivo account, and Monivo does not run identity verification for it. The executing provider applies its own AML policy and may request verification on an individual order.

What fees apply to XMR to BTC?

Monivo adds no separate platform fee. The provider's spread and payout network cost are reflected in the estimate; your sending wallet or exchange may charge a separate withdrawal or network fee.

What is the minimum XMR amount?

Minimums depend on the provider, pair, network, and current conditions. The valid minimum is the one shown with the live estimate.

What if my BTC wallet uses another network?

Do not send until the destination network matches the quote. A BTC ticker can exist on multiple networks, and recovery from a mismatch may be impossible.

How do I swap Monero for Bitcoin?

Select XMR as the asset to send and BTC as the asset to receive, enter your amount, and compare the live estimates returned by connected providers. Choose a quote, verify your BTC wallet address and network, then send the exact XMR deposit to the one-time address and follow the order link until payout.

Should I use a fixed or floating rate for XMR to BTC?

Choose fixed terms when the stated BTC estimate matters and you can send the exact deposit within the provider's window. A floating quote follows the execution rate, so the final BTC amount can move while the XMR deposit confirms.

Which wallet can receive a XMR to BTC swap?

Use a wallet you control that supports BTC on Bitcoin. Copy the receiving address, compare its first and last characters, and include a memo or destination tag only when that wallet supplies one.

How can I track my XMR to BTC exchange?

Keep the Monivo order link and your XMR transaction hash. The tracking page follows source-chain confirmations and the executing provider's status; if it stops advancing, do not send again and contact 24/7 live support with those references.

Will I receive native Bitcoin when I exchange XMR for BTC?

Choose Bitcoin as the destination network and provide a native BTC address. Do not paste an address for wrapped Bitcoin on Ethereum, Solana, or another network unless the live quote explicitly names that route.

Related pair guides

Learn more about swapping XMR to BTC

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

Editorially reviewed: 2026-09-23

Methodology note: provider availability comes from the current connected-provider registry; timing is an observed typical duration, not a guarantee.