Swap Monero without KYC
Buy or cash out native XMR from BTC, ETH, SOL, LTC and USDT. No account. The quote shows the amount before you send.
No KYC · 0.5% Standard · 1% Private · 1% THORChain, no AML
Last reviewed:
Most custodial platforms restricted or delisted Monero. Swap.bz still runs the pair: send a public-chain coin, receive native XMR in a wallet you control — or cash XMR out to BTC, ETH or USDT. No account to quote.
BTC→XMR is typically 20–40 minutes (Bitcoin plus ~10 Monero confirmations). ETH or USDT on a fast network to XMR is often 20–35 minutes. The live quote is the amount you accept before you send.
XMR addresses start with 4 or 8 — never a Bitcoin, Ethereum or exchange-memo address. Standard (0.5%) already pays native Monero. Private (1%) adds hops if you also want a less direct path from the deposit. Partners may still pause a flagged transfer.
Service fee
0.5% Standard · 1% Private Swap
Typical BTC → XMR
20–40 minutes
Receive asset
Native XMR (not wrapped)
Account / KYC
None to create a quote
Pairs on this route
Why people swap into and out of Monero
Monero is the only major chain where amounts, senders and receivers are hidden by default. Swapping BTC, ETH, SOL or a stablecoin into XMR moves value from a transparent ledger into a private one; swapping XMR back out lets you spend on chains that most services actually accept. Swap.bz supports both directions on every listed asset, without an account and without uploading ID.
Because the Monero receive leg leaves no public link to the deposit, a Standard swap into XMR already gives most of the privacy people are looking for. Private Swap (1%) adds extra routing hops before payout; it matters mainly when the receive asset is transparent — BTC, USDT, ETH — and you want the deposit-to-payout link harder to draw.
Timing on Monero pairs
Monero blocks arrive every two minutes, but partners wait for roughly ten confirmations before treating an XMR deposit as final — about twenty minutes. On the receive side, an XMR payout is usually visible in your wallet within minutes but shows as “pending” until it locks (ten blocks). So XMR → BTC is typically 25–40 minutes end to end, while USDT (Tron) → XMR can finish in under fifteen.
Your Monero wallet must be synced to see the payout. Cake Wallet, Monero GUI, Feather and Monerujo all work; if the balance does not appear, refresh or rescan from the block height of the swap rather than assuming the payout failed.
Addresses, subaddresses and payment IDs
Paste a standard Monero address (starts with 4, 95 characters) or a subaddress (starts with 8). Both are accepted for payouts. Integrated addresses and legacy payment IDs are not needed — if a service asks you for a payment ID to receive Monero, it is not Swap.bz.
For XMR deposits, the deposit address shown is single-use. Send the exact quoted amount from a wallet you control; sending from an exchange that batches withdrawals can delay detection. Set a Monero refund address of your own when you take the quote so a failed route comes back to you, not to the exchange.
- Standard address (4…) or subaddress (8…) — both fine for payout.
- No payment ID required.
- Refund address must be Monero for an XMR deposit.
What Swap.bz does and does not promise
Swap.bz does not ask for identity to create a quote and does not keep a customer account. Liquidity partners run automated AML screening on deposit addresses; a flagged deposit can be paused pending review, which is disclosed on the status page. That is the honest trade-off of a non-custodial aggregator versus a decentralized atomic swap: faster, simpler, always has liquidity — but a counterparty exists.
For the strongest possible guarantees, Monero atomic swaps (Haveno, UnstoppableSwap) remove the counterparty entirely, at the cost of needing an online peer, 30–60 minutes, and a CLI or dedicated app. For typical amounts, an instant swap is the practical choice; the Private Swap tier is there when you want extra hops without that complexity.
Ways to get Monero without KYC
| Swap.bz | Atomic swap (Haveno / UnstoppableSwap) | Kraken (outside EEA) | P2P (LocalMonero-style) | |
|---|---|---|---|---|
| Account / KYC | None to quote | None | Mandatory KYC | Depends on counterparty |
| Time to XMR | 15–40 min typical | 30–90 min, both parties online | Minutes after deposit | Hours to days |
| Counterparty risk | Liquidity partner (non-custodial payout) | None — cryptographic | Exchange custody | Trade partner |
| Liquidity | Always available | Needs a matching peer | Deep | Variable |
| Fee | 0.5% · 1% Private | Spread set by peer | ~0.2–0.4% + withdrawal | Premium 2–10% |
| Skill needed | Paste an address | Node / desktop app | Full KYC onboarding | Negotiation, escrow |
Competitor data from their public pages and terms as of the review date. Policies change — verify before you rely on them. “Conditional KYC” means the service publicly reserves the right to request ID on flagged or large orders.
Before you send
Send XMR to a Monero wallet you control (Cake, Feather, official GUI/CLI). Many KYC exchanges no longer accept XMR deposits — check first.
The refund address must be the same asset and network as the deposit. Set it at quote time.
On Standard and Private a liquidity partner can pause a flagged deposit. Keep the order ID; support can pick up from there. Want no partner at all? Use the THORChain route: /thorchain-swap.