Private Swap when you want extra hops

A Standard swap follows the quoted route directly: your deposit goes to a partner, the partner pays out the receive asset. If both legs are on transparent chains, an analyst with both transaction hashes can argue that “address A funded address B” by timing and amount. Private Swap (1% fee) inserts additional hops — typically through Monero — between deposit and payout, so that argument becomes much harder to make from public data alone.

It is not a mixer, not a tumbler and not a legal shield. You still send a listed asset to a single-use deposit and receive a listed asset in a wallet you control. Swap.bz does not custody funds in between, does not pool them with other users’ funds, and does not promise anonymity. It reduces linkability; it does not eliminate every side channel (your IP, your exchange withdrawal, your reuse of an address).

Choose Private when the receive asset is transparent — BTC, ETH, USDT, USDC, SOL — and you care about the payout not being trivially traced to the deposit. Typical cases: moving from an exchange-withdrawn address to a fresh cold wallet, separating DeFi activity from savings, or receiving payment in stablecoins without exposing where the funds came from.

Stay on Standard when you receive Monero (the receive chain already hides amounts and addresses), when speed matters more than unlinkability, or when the amount is small enough that the extra fee outweighs the benefit. Standard into XMR is the most common privacy swap on Swap.bz and costs 0.5%.

• Private: transparent receive asset, you want extra hops → 1%, 15–45 min.
• Standard: receive XMR, or speed first → 0.5%, often under 10 min on fast pairs.
• Both: no account, no KYC to quote, payout to your wallet.

You take a quote with the Private toggle on. The receive amount already includes the 1% fee. You send the deposit as usual. Instead of paying out directly, the routing partner converts through one or more intermediate legs — most often into Monero and back out — and then pays your receive address. Each leg needs its own confirmations, which is why Private typically takes 15–45 minutes instead of a few.

Nothing changes on your side: same deposit address format, same order page, same status tracking, same refund address rule. If any hop cannot complete, the deposit is refunded to your refund address rather than left stranded mid-route.

Liquidity partners still screen deposit addresses. A deposit flagged by automated AML tooling can be paused before the route starts, exactly as on Standard. Private Swap does not bypass that screening and Swap.bz will not claim otherwise. Very large Private orders may be quoted with wider spreads or split, because the Monero legs must be sourced from real liquidity.

If your threat model requires no counterparty at all, a Monero atomic swap is the right tool. Private Swap is for the far more common case: you want a simple widget, always-available liquidity, and meaningfully less on-chain linkability than a direct swap — without running software or waiting for a peer.