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How to swap XMR to BTC: step-by-step guide

Swap Monero (XMR) to Bitcoin (BTC) in a few minutes — non-custodial, no account, settled directly to your BTC wallet, typically in 10–25 minutes.

TL;DR

  • • Pick the XMR → BTC pair and enter your amount.
  • • Get a live aggregated quote across providers.
  • • Paste your BTC wallet address.
  • • Choose fixed or floating rate, then send your XMR.
  • • Receive BTC in ~10–25 minutes.
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Step-by-step: swap XMR to BTC

  1. Step 1

    Pick the XMR → BTC pair

    Select XMR as the asset you're sending and BTC as the asset you want to receive. Confirm the network on each side — BTC on the wrong network can mean lost funds.

  2. Step 2

    Get a live aggregated quote

    Monivo polls every connected provider and shows the best XMR/BTC output for your amount, including the network fee and the exact BTC you'll receive.

  3. Step 3

    Paste your BTC wallet address

    Enter the wallet that should receive your BTC. Double-check the first and last 6 characters — it must be a valid Bitcoin address.

  4. Step 4

    Choose fixed or floating rate

    Use a fixed rate to lock the XMR/BTC rate (~10 min), or a floating rate to settle at the market price when your deposit confirms.

  5. Step 5

    Send your XMR deposit

    Send the exact XMR amount to the one-time deposit address shown. XMR typically confirms within 10–25 minutes.

  6. Step 6

    Receive your BTC

    Once confirmed, the swap executes automatically and BTC is pushed directly to your wallet — no withdrawal step.

Recommended providers for XMR → BTC

Monivo aggregates quotes across these providers and auto-routes your XMR→BTC trade to whichever pays out the most at quote time. The picks below are the strongest fit for this pair.

  • #1

    FixedFloat

    Fast, privacy-friendly swaps with no registration and Lightning support.

    Why for XMR→BTC: Reliable XMR→BTC liquidity for privacy assets with no account or KYC required.

  • #2

    Godex

    Privacy-focused venue whose fixed rates hold for the full deposit window.

    Why for XMR→BTC: Reliable XMR→BTC liquidity for privacy assets with no account or KYC required.

  • #3

    ChangeNOW

    No-account, non-custodial swaps across 900+ assets and 70+ networks.

    Why for XMR→BTC: Reliable XMR→BTC liquidity for privacy assets with no account or KYC required.

Fees, rates, and safety

A XMR→BTC swap has two cost layers: the Monero network fee, and the provider spread baked into the quote. Aggregated routing shows the all-in BTC you receive up front, so compare the net payout — not the headline rate. 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.

XMR → BTC FAQ

How long does a XMR to BTC swap take?

Most XMR/BTC swaps settle in 10–25 minutes, depending on Monero network confirmation times and destination network congestion.

Do I need an account to swap XMR for BTC?

No. Monivo is non-custodial — provide a Bitcoin address and swap directly from your wallet. No sign-up or KYC for standard XMR/BTC volumes.

What's the fee to swap XMR to BTC?

Monivo aggregates quotes and routes to the best executable XMR/BTC rate with no added spread. The displayed quote is what you receive; the Monero network fee applies on top.

What's the minimum XMR to BTC swap?

Minimums are set by the underlying liquidity provider and shown live before you confirm a quote.

Is swapping XMR to BTC private?

Monero swaps are routed through privacy-friendly, no-account providers. Always verify the destination address and use the official Monivo URL.

Related pair guides

Learn more about swapping XMR to BTC

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