Swap Monero (XMR) to Bitcoin (BTC)

Swapping Monero (XMR) to Bitcoin (BTC) is one of the most-requested privacy-preserving routes in crypto. Monivo routes XMR → BTC through non-custodial liquidity providers that never require an account, an email, or a KYC check for standard-sized trades — the same core reason Monero holders use Monero in the first place.

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. 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 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	Typically 20–40 minutes end to end	Typically 10–30 minutes end to end
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 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 XMR deposit lands. Usually pays out slightly 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, no email, no KYC for standard XMR/BTC volumes.
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

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.

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?

Yes for standard trade sizes. Monivo routes through non-custodial providers that don't require an account for typical XMR → BTC volumes. Very large trades may trigger risk-based review by the underlying provider.

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?

No. Because Monero balances aren't publicly viewable, providers cannot condition service on your on-chain history the way they might for BTC or ETH.

Related pairs

How Monivo stacks up against other exchanges and routes for these assets.

Compare exchanges

Keep exploring

All guides Monero hub All coins Compare coins Swap rate comparison Rate index Swap FAQ Help & FAQ Privacy coins Non-custodial exchanges Start a swap

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