- Indicative mid
- 1 XMR ≈ 0.00652 BTC (not a swap quote)
- XMR ≈ USD
- $523.3
- Typical time
- 25–45 min Standard (Monero confirmations first)
- You send
- Monero (XMR)
- You receive
- Bitcoin (BTC) on Bitcoin L1
Monero to Bitcoin is the cash-out pair: you convert private XMR into BTC that merchants, ATMs, and most platforms accept. No KYC on Swap.bz. You send Monero, receive native Bitcoin in any BTC address you control.
Monero confirmations set the clock (~10 confirmations, often around 20 minutes). Bitcoin payout then needs a Bitcoin-network send. Expect roughly 25–45 minutes for a Standard XMR→BTC swap in normal conditions — longer than SOL or TRON pairs, shorter than waiting on a KYC ticket.
After payout, the Bitcoin side is transparent. Anyone who knows the BTC address can see the incoming amount. If you need the receive leg to stay private, swap to XMR instead, or keep BTC in a fresh wallet you do not reuse.
Fee is 0.5% Standard (1% Private Swap) plus XMR and BTC network fees. Minimums are in the live quote — they move with mempool and liquidity. Reverse route: Bitcoin to Monero.
From your Monero wallet
Send XMR from any wallet you control — Cake Wallet, Feather, Monero GUI or another self-custody wallet. You never connect a wallet to Swap.bz: the widget gives you a one-time deposit address and you send XMR to it like a normal transfer. Network: Monero. Monero has a single network. Main addresses start with 4, subaddresses with 8 — both work. Payout takes about 10 confirmations (roughly 20 minutes).
Receiving Bitcoin: address and network
Paste a BTC address from a wallet you control (Sparrow, Electrum, BlueWallet, Ledger or Trezor…). Payout network: Bitcoin (on-chain). Native BTC on the Bitcoin network only. Lightning invoices and wrapped bitcoin (WBTC, cbBTC, BTCB) are different assets. Set the refund address at the same time: it must be a XMR address, on the network you send from.
FAQ
XMR to BTC
How do I swap XMR to BTC without KYC?
Open /swap/xmr-to-btc, enter the XMR amount and your Bitcoin address, then send XMR to the deposit address. No identity check.
What is the fee to exchange XMR to BTC?
0.5% Standard or 1% Private Swap, plus Monero and Bitcoin network fees shown in the quote.
How long does a XMR to BTC swap take?
Usually 25–45 minutes. Monero’s confirmation window is the slow step; Bitcoin payout adds a miner-fee send after that.
Is swapping XMR to BTC on Swap.bz custodial?
No. Deposit XMR to a one-time address and receive BTC in your wallet. Nothing is stored as a customer balance.
Will the Bitcoin payout be linkable to my Monero wallet?
Swap.bz does not publish a public graph of your XMR spend. The BTC output, however, is a normal Bitcoin transaction. Use a fresh BTC address if you do not want it tied to other activity you already reused.
What if my exchange only accepts BTC SegWit or Taproot?
Paste the exact address format that wallet generated (legacy, SegWit, or Taproot). Swap.bz pays to the address you enter — a mismatch is a wallet/settings issue, not a chain bridge to ETH or XMR.
Can I swap XMR to BTC from Cake Wallet?
Yes. Take the quote on Swap.bz, then send XMR from Cake Wallet (or any other Monero wallet) to the deposit address shown. No wallet connection, no account. BTC arrives at the address you pasted.
Which network do I use to receive BTC?
Bitcoin (on-chain). Native BTC on the Bitcoin network only. Lightning invoices and wrapped bitcoin (WBTC, cbBTC, BTCB) are different assets.
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