Swap Bitcoin (BTC) to Monero (XMR)

Swapping Bitcoin (BTC) to Monero (XMR) is the canonical private on-ramp — you convert a publicly traceable Bitcoin balance into Monero's untraceable, view-key-protected form, all without opening an account. Monivo aggregates no-KYC quotes across FixedFloat, Changelly and ChangeNOW and delivers native XMR directly to a wallet you control (Cake, Feather, Monero GUI, Monerujo), typically in under 30 minutes.

You Send

You Get

Fetching live quotes…

How it works

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

BTC → XMR routing details

Monivo requests quotes from every connected liquidity provider for this route and shows the one that pays out the most XMR. Rates are live, so the exact amount you receive is confirmed in the widget above before you send anything, with zero added fees on top of the rate you see.

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

Fixed rate or floating rate for BTC → XMR?

Fixed rate

The XMR amount is locked when you confirm. The provider carries the market risk while your BTC deposit confirms, so the payout matches the quote even if the price moves. Best when you need certainty on the exact amount received.

Floating rate

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

Why swap BTC to XMR on Monivo

Aggregated rate comparison. Monivo compares quotes across multiple providers so your XMR 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 BTC or XMR. The Monero is sent straight to the wallet address you provide.
No account. No sign-up, no email, no KYC for standard BTC/XMR volumes.
Fixed or floating rate. Lock the BTC/XMR rate at quote time, or use the market rate at execution.

Why swap BTC → XMR

Convert BTC into fungible, private XMR for savings or spending.
Move a portion of a public Bitcoin stack into a wallet whose balance no one else can see.
Fund a fresh Monero wallet without going through Kraken or KuCoin's KYC gate.
Rotate between the two most-battle-tested crypto assets — deep-liquidity BTC and privacy-first XMR.

Network fees explained

Sending BTC

Standard Bitcoin miner fee applies on the send side and is set by your wallet at broadcast — usually a few dollars during normal mempool conditions. Fee bumps (RBF) work as usual; the swap provider watches for confirmation regardless of what fee you paid.

Receiving XMR

The XMR payout is paid by the routing provider — you don't need any Monero pre-funded to receive. Monero's own network fee (charged on future outbound sends) is famously cheap, typically a fraction of a cent.

Best wallets for XMR

Cake Wallet. Best mobile / all-platform starter — non-custodial, easy setup on iOS, Android, macOS, Linux and Windows.
Feather Wallet. Lightweight desktop wallet with first-class Tor support — the privacy purist's default.
Monero GUI. Official reference wallet — run in full-node mode for zero trust in third-party infrastructure.
Monerujo. Long-standing Android wallet, F-Droid distribution, Ledger over USB-OTG.

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

Zero added fees: Monivo does not add a platform fee, a minimum or a withdrawal charge — the rate you see is the rate you get. Blockchain network fees are shown in full before you confirm, and the final amount you receive is quoted up front.

Monivo does not add a separate fee or markup to the provider quote. Monivo may earn a commission from the liquidity provider when a completed swap is referred through our platform. Provider spreads and applicable network costs are 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.

BTC → XMR FAQ

How do I swap BTC to XMR?

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

How long does a BTC to XMR swap take?

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

What's the fee to swap BTC to XMR?

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 Bitcoin apply on top.

Do I need an account to exchange BTC for XMR?

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

What's the minimum BTC to XMR swap?

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

Is BTC → XMR really no-KYC?

Yes for standard trade sizes. Monivo routes through non-custodial providers that don't require an account or identity verification for typical BTC → XMR volumes. No email signup, no document upload.

How long does BTC → XMR take end-to-end?

Usually 20–40 minutes. The provider waits for 1–2 Bitcoin confirmations (10–20 min), then broadcasts the XMR payout, which typically lands in the next Monero block (<10 min).

Fixed rate or floating rate — which should I pick for BTC → XMR?

Fixed locks the XMR you'll receive at quote time — best when you want certainty and can accept a slightly wider spread. Floating settles at the market rate when your BTC confirms — often slightly better output but exposes you to short-term XMR volatility during confirmation.

Should I run my own Monero node for the receiving wallet?

It's a meaningful privacy upgrade. A remote node sees the IP address that queries it and can correlate subaddress lookups. If you can't run your own, point Cake or Feather at a community node over Tor rather than the vendor default.

Is the Monero I receive linked to the BTC I sent?

No. Once XMR lands in your wallet it inherits Monero's on-chain privacy — ring signatures obscure the sender, stealth addresses obscure the receiver, and confidential amounts hide the value. On-chain observers can see a XMR transaction happened, not who or how much.

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