Crypto swap FAQ

The rate you see already includes everything: the provider's spread (typically 0.3–1%) and the network fee needed to deliver your coins. Monivo adds no separate account, deposit or withdrawal fee, and the quote is the amount the receiving wallet is expected to get.

Index sites show a volume-weighted mid price across dozens of markets. A swap quote is an executable price for your exact size on the route being used, so it includes the spread and the cost of moving the asset on-chain. On thin pairs that gap is wider than on BTC or ETH.

Yes for the outgoing transfer — the delivery fee on the destination chain is priced into the estimate. The fee you pay to send your deposit from your own wallet is set by your wallet and paid to that network, not to Monivo.

Floating quotes settle at the market rate when your deposit confirms, which usually gives the better result. Fixed-rate routes lock the number for a short window and carry a slightly wider spread to cover that risk. The order screen shows which one applies before you confirm.

Yes, and it is per pair. The minimum has to cover the destination network fee, so it is small for cheap chains (Litecoin, Tron, Solana) and larger for Ethereum mainnet when gas is high. The widget shows the exact minimum as soon as you pick a pair.

Maximums are set by the liquidity available on the chosen route at that moment, not by an account tier. Large orders are still possible — splitting them into a few smaller swaps often gets a better blended rate and avoids hitting a single provider's ceiling.

Underpayments below the pair minimum cannot be processed automatically and go to the refund flow. Overpayments are normally executed at the current rate for the amount actually received. Always send the exact amount shown on the order page.

No. A crypto-to-crypto swap needs only the asset pair and a receiving wallet address. There is no sign-up, no password and no balance held with Monivo.

Standard crypto-to-crypto swaps do not ask for identity documents. A provider may request verification for an individual order if its AML screening flags the funds or the size — that is a compliance requirement on their side, and it applies to a small minority of orders. Card purchases of crypto always require KYC through the card processor.

What is needed to route and support the order: the pair, amounts, timestamps and the addresses involved. There is no identity profile attached because there is no account. See the privacy policy for retention detail.

Yes. Tax treatment does not depend on whether you verified your identity — in most jurisdictions a crypto-to-crypto swap is a disposal and a taxable event. Keep the order records for your filings.

Most complete in 5–20 minutes. The clock is dominated by confirmations on the deposit chain: Bitcoin usually needs 1–2 blocks, Ethereum and most L2s settle within a minute or two, and Monero needs around 10 confirmations.

Assets that exist on several chains (USDT, USDC and most tokens) have a separate deposit address per network. Sending on a network the order was not created for means the deposit may not be creditable automatically — contact support with the transaction hash straight away and do not send more.

First confirm the deposit transaction has the required confirmations on a block explorer. Then check the order status page, which shows the live provider state. Anything stuck for longer than an hour after confirmation should go to support with the order ID.

Yes, when it cannot be executed — an amount below the minimum, an expired fixed rate, or a route that fails. Refunds go back to the refund address you supply when creating the order, minus the network fee for sending them, so always provide one.

No. Monivo never holds your balance. Your deposit goes straight to the provider executing the trade and the output goes straight to the wallet address you entered — there is nothing to withdraw afterwards.

Blockchain transfers are irreversible, so an order already delivered to a wrong-but-valid address cannot be recalled. Contact support immediately after creating the order and before your deposit confirms; if the payout has not been sent yet it can sometimes be stopped.

Use the contact page with your order ID and the deposit transaction hash. Those two items let support trace the order with the provider directly, which is far quicker than a description of the problem alone.