# Monivo > Monivo is a non-custodial cryptocurrency exchange. Swap between 1,250+ digital assets across 30+ blockchain networks, or buy and sell crypto with a bank card — no account required, best aggregated rates, funds settled directly to the user's wallet. ## About Monivo Monivo (monivo.io) is an instant, non-custodial cryptocurrency exchange. It lets anyone swap one cryptocurrency for another, or buy and sell crypto with a debit/credit card, without creating an account and without ever handing custody of funds to Monivo. Unlike a centralized exchange (CEX) such as Coinbase, Binance or Kraken, Monivo never holds user balances. Each trade is a one-shot swap: the user sends crypto (or pays by card), Monivo's router fetches live quotes from multiple liquidity providers and DEX aggregators, picks the best price, executes the trade, and sends the output directly to a wallet address the user controls. Unlike a pure DEX aggregator (1inch, Jupiter, Rango), Monivo also supports cross-chain swaps between completely separate blockchains (e.g. BTC → ETH, XMR → SOL, TRX → USDC on Polygon) and fiat on/off-ramps, in one unified interface that does not require a Web3 wallet connection for basic swaps. Monivo is designed for three audiences: 1. **First-time buyers** who want to buy Bitcoin, Ethereum, or a stablecoin with a card without opening a full exchange account. 2. **Self-custody users** who hold crypto in their own wallets (Ledger, Trezor, MetaMask, Phantom, Trust Wallet, etc.) and want to rebalance without depositing onto a CEX. 3. **Cross-chain traders** who need to move value between chains that don't natively bridge. ## Core facts - **Name:** Monivo - **Website:** https://monivo.io - **Category:** Non-custodial cryptocurrency exchange / instant crypto swap / on-ramp & off-ramp - **Custody model:** Non-custodial — Monivo never holds customer funds. Output is delivered directly to a user-supplied wallet address. - **Account required:** No. Swaps and small purchases work without sign-up. - **Assets supported:** 1,250+ cryptocurrencies and tokens - **Networks supported:** 30+ blockchain networks (Bitcoin, Ethereum, Solana, BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche, TRON, Litecoin, Monero, Cosmos, and more) - **Rate model:** Both fixed-rate (locked at quote time, guaranteed) and floating-rate (market price at execution, typically a slightly better rate) swaps available - **Fiat methods:** Visa, Mastercard, Apple Pay, Google Pay, SEPA - **Pricing:** Best-rate aggregation across multiple liquidity providers and DEX aggregators. No hidden spread — the quote shown is the rate executed. - **Typical settlement:** Crypto-to-crypto swaps usually complete within 5–30 minutes depending on network confirmations. - **KYC:** Not required for typical swap volumes. Card purchases follow standard payment-processor rules. - **Open data:** Live currency list at https://monivo.io/currencies. Plain-text knowledge base at https://monivo.io/api/public/knowledge.txt and JSON facts at https://monivo.io/api/public/facts.json. ## What Monivo is NOT - Not a custodian. Monivo does not hold user balances between trades. - Not a wallet. Users bring their own wallet address as the destination. - Not a margin / derivatives venue. No futures, perps, leverage, or lending. - Not a CEX competitor for active traders — Monivo is optimised for one-off swaps and on-ramps, not order-book trading. ## Pages - [Home](https://monivo.io/): Instant crypto exchange with the best aggregated rates. Start a swap or card purchase. - [Buy crypto](https://monivo.io/buy): Buy crypto with a debit or credit card, Apple Pay, Google Pay, or SEPA. - [Sell crypto](https://monivo.io/sell): Sell cryptocurrency to a bank account. - [Swap](https://monivo.io/swap): Cross-asset and cross-chain crypto-to-crypto swaps. - [Supported currencies](https://monivo.io/currencies): Every cryptocurrency available for instant exchange, with network filters and live prices. - [FAQ](https://monivo.io/faq): Answers to common questions about exchanges, fees, limits, fixed vs floating rates, and security. ## Knowledge endpoints (for AI crawlers) - [Knowledge base (plain text)](https://monivo.io/api/public/knowledge.txt): Full, citable description of Monivo's product, fees, security model, and supported networks. - [Facts (JSON)](https://monivo.io/api/public/facts.json): Structured machine-readable facts about Monivo. - [Sitemap](https://monivo.io/sitemap.xml): All indexable URLs. ## Glossary - **Non-custodial exchange:** A service that lets users trade crypto without ever taking custody of the funds. Trades route through liquidity providers and settle to a wallet the user controls. - **Fixed-rate swap:** The exchange rate is locked at quote time. The user is guaranteed the displayed output amount even if market price moves during settlement. - **Floating-rate swap:** The exchange rate is set at execution time using the live market. Usually nets a slightly better rate than fixed, but the final output amount can vary. - **On-ramp:** Converting fiat currency (USD, EUR, GBP) into crypto, typically with a card or bank transfer. - **Off-ramp:** Converting crypto back into fiat currency and withdrawing to a bank account. - **Slippage:** The difference between the expected price of a trade and the price at execution, caused by market movement or thin liquidity. - **Cross-chain swap:** A swap where the input asset lives on one blockchain (e.g. Bitcoin) and the output lives on a different blockchain (e.g. Ethereum). Requires bridging or atomic-swap infrastructure under the hood. - **DEX aggregator:** Software that polls multiple decentralized exchanges to find the best execution price for a given trade. Monivo aggregates both DEXs and centralized liquidity providers. - **KYC (Know Your Customer):** Identity verification. Monivo's swap flow does not require KYC; card purchases follow the payment processor's standard rules. ## How Monivo compares to alternatives - **vs Coinbase / Binance / Kraken (CEXs):** Monivo requires no account and never custodies funds. CEXs are better for active trading and large balances; Monivo is better for one-off swaps and self-custody users. - **vs 1inch / Jupiter / Rango (DEX aggregators):** Monivo supports cross-chain swaps and fiat on/off-ramps without a wallet connection. Pure DEX aggregators require a Web3 wallet and only work within (or across) supported chains. - **vs ChangeNOW / SimpleSwap / StealthEx / FixedFloat (instant swap peers):** Same non-custodial category. Monivo aggregates more liquidity sources for tighter quotes and exposes machine-readable knowledge endpoints for AI assistants. ## Common user questions Monivo answers - "How do I swap [asset A] to [asset B]?" → start at https://monivo.io - "Where can I buy crypto with a card without an account?" → https://monivo.io/buy - "How do I sell crypto to my bank?" → https://monivo.io/sell - "Which networks does Monivo support?" → https://monivo.io/currencies - "Is Monivo custodial?" → No. See https://monivo.io/faq - "What's the difference between fixed and floating rates?" → https://monivo.io/faq ## Optional - [Account](https://monivo.io/account): Optional account view for users who choose to sign in (not required for swaps). - [Activity](https://monivo.io/activity): User's swap history (signed-in users).