Swap Monero (XMR) to Bitcoin (BTC)

Swapping Monero (XMR) to Bitcoin (BTC) is one of the most-requested privacy-preserving routes in crypto. Monivo compares quotes from non-custodial liquidity providers that do not ask for an account, an email or identity documents to start; the provider you select executes and settles it, and applies its own verification requirements, which can include requesting information or documents.

You Send

You Get

Fetching live quotes…

How it works

1. Enter the amount of XMR to swap.
2. Paste your Bitcoin wallet address.
3. Pick a fixed or floating rate.
4. Send XMR to the one-time deposit address.
5. Receive BTC in your wallet.

Read the full XMR → BTC step-by-step guide →

XMR → BTC routing details

Monivo requests quotes from every connected liquidity provider for this route and shows the one that pays out the most BTC. The amount shown is an estimate that depends on the rate type you pick and the provider's own terms; it is confirmed in the widget above before you send anything, with zero added fees on top of the rate you see. The selected provider receives your deposit and settles the payout.

Network and settlement details for swapping Monero to Bitcoin
Detail	You send — XMR	You receive — BTC
Supported networks	Monero (native)	Bitcoin (native)
Confirmations	10 confirmations (~20 minutes)	1–2 confirmations (~10–20 minutes)
Typical processing	Indicative: usually 20–40 minutes end to end, provider-dependent	Indicative: usually 10–30 minutes end to end, provider-dependent
Custody	Sent from your own XMR wallet to a one-time deposit address.	Paid straight to the Bitcoin address you provide — Monivo never holds funds.

Fixed rate or floating rate for XMR → BTC?

Fixed rate

The BTC amount is locked when you confirm. The provider carries the market risk while your XMR deposit confirms, so the payout matches the quote as long as you send on time and within the quoted limits. Best when you need certainty on the exact amount received.

Floating rate

The swap executes at the market rate when your XMR deposit lands. It can pay out more BTC than a fixed quote, but the final amount can move up or down while the deposit confirms.

Why swap XMR to BTC on Monivo

Aggregated rate comparison. Monivo compares quotes across multiple providers so your BTC payout reflects the strongest quote Monivo found at that moment — with zero added fees, so you can compare elsewhere before confirming.
Non-custodial. Monivo never holds your XMR or BTC. The Bitcoin is sent straight to the wallet address you provide.
No account. No sign-up and no email for standard XMR/BTC swaps; the executing provider may still request verification.
Fixed or floating rate. Lock the XMR/BTC rate at quote time, or use the market rate at execution.

Why swap XMR → BTC

Realise XMR gains into BTC without exposing balances to a centralised exchange.
Bridge from Monero into Lightning or on-chain BTC for wider merchant acceptance.
Rotate part of a private Monero stack into deep-liquidity Bitcoin storage.
Move to BTC ahead of a Monero hard fork or wallet upgrade cycle.

Network fees explained

Sending XMR

Monero fees are dynamic but genuinely cheap — usually a fraction of a cent thanks to bulletproofs+ and its ring-signature design. Your wallet sets the priority; standard confirms in about 20 minutes (10 confirmations).

Receiving BTC

The BTC payout is paid by the provider on-chain. You receive native BTC on the Bitcoin base layer — no wrapped tokens, no bridge tokens.

Best wallets for BTC

Sparrow Wallet. Desktop-first Bitcoin wallet, strong hardware integration.
BlueWallet. Mobile Bitcoin wallet with a clean interface.
Ledger + Sparrow. Cold storage for larger balances.
Wasabi. Bitcoin-only wallet with built-in CoinJoin privacy tooling.

Non-custodial

Encrypted end-to-end

Vetted swap partners

Routed via

Verify the destination address and network before confirming — crypto transfers are irreversible.

Fees and pricing

Monivo does not add a separate platform fee. The quoted receive amount reflects the executing provider's pricing and applicable payout costs. Your sending wallet or exchange may charge its own network or withdrawal fee. The amount shown is an estimate; fixed and floating quotes follow the provider's terms.

Monivo does not add a separate platform fee. Some partner quotes include a small affiliate margin that is retained by Monivo as a referral commission; this margin is included in the rate shown, not added on top. Provider spreads and applicable network costs are also reflected in the quoted amount.

Network fees are set by the blockchain, not by Monivo. No account, no subscription and no withdrawal charge. Live support is available 24/7.

XMR → BTC FAQ

How do I swap XMR to BTC?

Enter the amount of Monero you want to exchange, paste your Bitcoin wallet address, and confirm the deposit. Monivo aggregates quotes from multiple providers and settles BTC directly to your wallet — no account required.

How long does a XMR to BTC swap take?

Most XMR/BTC swaps complete in 5–20 minutes, depending on Monero network confirmation times.

What's the fee to swap XMR to BTC?

Monivo aggregates quotes and routes to the best executable rate. The displayed quote is what you receive — there is no hidden spread. Network fees for Monero apply on top.

Do I need an account to exchange XMR for BTC?

No. Monivo is non-custodial — provide a Bitcoin address and swap directly from your wallet.

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 Monivo's XMR → BTC swap really no-KYC?

Monivo does not ask you for an account or identity documents for an XMR → BTC swap, and routes through non-custodial providers. The provider that executes the swap applies its own verification requirements and may request information or documents.

How long does XMR → BTC take?

Around 20–40 minutes end-to-end: Monero requires ~10 confirmations before the provider releases BTC, then Bitcoin needs 1 confirmation to your wallet.

Do I need to disclose the source of my XMR?

Monivo does not ask for identity documents or a source-of-funds statement for crypto-to-crypto swaps. The provider that executes the swap applies its own verification requirements and may request information or documents, including about the origin of funds, before it releases your payout.

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