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BTC → XMR Min 0.00037 BTC · 20–60 min 1 BTC ≈ 133.55 XMR 
ETH → XMR Min 0.013 ETH · 10–25 min 1 ETH ≈ 3.9376 XMR 
USDT (TRC20) → XMR Min 31 USDT · 5–15 min 100 USDT ≈ 0.16359 XMR Rates from GhostSwap quotes, service fee included, as of 23 Oct 2026, 17:40 UTC. Floating rate: the final amount is set when your deposit confirms.
Quick answer (October 2026): GhostSwap is a Monero exchange with no account, and no KYC for standard swaps: you can swap BTC, ETH, USDT or other coins to XMR, or XMR back out. You pick the pair, paste your own Monero address and send the deposit, and the XMR is paid straight to your wallet. The rate floats and is set when your deposit confirms.
GhostSwap is a non-custodial Monero exchange. You pick the pair, paste your own Monero address and send the deposit; the XMR is paid straight to your wallet. There is no account to open and no balance held for you. Prefer a single pair page? Start at BTC to XMR.
How it works
- 1. Pick the pair Choose the coin you send and XMR as the coin you get, or the other way round to swap Monero out.
- 2. Check the quote The box shows what you receive, the network fee, and the minimum and maximum before you send anything.
- 3. Add your address Paste your Monero address (it starts with 4 or 8). Copy and paste it; never type it by hand. Add the address you send from, for refunds.
- 4. Send and receive Send the exact amount to the one-time deposit address. The XMR goes straight to your wallet; follow it on the status page.
On this page
Popular Monero (XMR) pairs
The most-used routes into and out of Monero. Each pair page has its own live quote, minimum and route details.
BTC to XMR ETH to XMR USDT TRC20 to XMR 
USDT ERC20 to XMR 
LTC to XMR 
SOL to XMR XMR to BTC XMR to USDT TRC20 XMR to ETH XMR to LTC XMR to USDT ERC20 
XMR to ZEC What to expect when you swap Monero
- Limits:
- BTC to XMR: from about 0.00037 BTC up to about 11.03 BTC per swap (23 Oct 2026). Every pair has its own limits; the box shows them before you send.
- Time:
- Most of the wait is your deposit confirming: about 5–15 minutes from USDT (TRC20) or SOL, 20–60 from BTC. Received XMR is spendable after 10 confirmations, about 20 minutes.
- Fees:
- The service fee is built into the quote and the network fee is shown before you send. Nothing is added at the end.
- Refunds:
- If a swap can't be completed, the coins go back to the sender address you entered. Support can help with a missing memo or a wrong network: send your swap ID.
- What we can't do:
- We don't pay out to bank accounts or cards, we can't lock a fixed rate, and we can't reverse a swap once it has been paid out.
Ways to get Monero, compared
| Route | Account and ID | Speed | Good to know |
|---|---|---|---|
| Instant swap (GhostSwap) | No account | Minutes after your deposit confirms | Swap from BTC, ETH, USDT and 1,600+ coins; XMR is paid to your own wallet |
| P2P and DEX (Haveno/RetoSwap, Bisq, BasicSwap) | No account, but you need a trade partner | Often an hour or more | Security deposits or escrow, fewer pairs, extra software |
| Centralized exchange (Kraken, in some countries) | Verified account | Hours to days, with verification and withdrawal | Binance, OKX and Coinbase don’t list XMR; Kraken dropped it in the EEA, UK and Canada |
Every option by name, with dates and recent changes: no-KYC Monero exchanges compared. Buying with a card, an ATM or cash: how to buy Monero.
Which exchanges support Monero?
Instant swap services such as GhostSwap accept XMR in both directions, and peer-to-peer markets (Haveno/RetoSwap, Bisq) and atomic-swap tools (BasicSwap, eigenwallet) trade it without an account. Among large centralized exchanges, Kraken still lists XMR in some countries. See which exchanges still list XMR, and every delisting with its date, in our Monero delistings tracker.
Many exchanges dropped Monero because of the rules they work under, not because of a problem with the coin: Binance delisted XMR in February 2024, OKX in January 2024, and Kraken stopped XMR in the EEA in October 2024 and in Canada in September 2025, citing regulatory changes. Coinbase has never listed it. Because Monero hides the sender, receiver and amount by default, some regulators bar licensed platforms from listing it.
Is Monero illegal in the USA?
We found no US federal law that bans owning or using Monero. For tax purposes the IRS treats digital assets, XMR included, as property, so swaps can be taxable events. What is limited is access: several US exchanges don’t list XMR, so many people swap a coin they already hold, such as BTC or USDT, into XMR instead. Rules differ by state and change over time; this is general information, not legal advice.
Can US citizens buy Monero?
Yes. Owning Monero is not banned in the US. If your usual exchange doesn’t list it, you can swap another coin you hold to XMR with a wallet-to-wallet service. Check the terms of any service you use for the countries it serves.
How can I cash out Monero?
Swap XMR to BTC or to a dollar stablecoin first, then sell that through the off-ramp you already use (an exchange account, a P2P platform or a card). GhostSwap does the first step with no account: XMR to BTC or XMR to USDT (TRC20). GhostSwap doesn’t pay out to bank accounts.
Monero facts before you swap
Monero network facts
| Item | Monero (XMR) |
|---|---|
| Address format | Standard addresses start with 4, subaddresses with 8 (95 characters) |
| Block time | About 2 minutes |
| When received XMR is spendable | After 10 confirmations (about 20 minutes) |
| Memo or payment ID | Not needed; use a subaddress instead |
| Privacy | On by default for every transaction |
Tip: use a fresh subaddress from your wallet for each swap. It keeps your receipts unlinkable.
Why people swap into Monero
Monero is private by default. Ring signatures hide the sender, one-time stealth addresses hide the receiver and RingCT hides the amount, so balances and payment history don’t show on a public block explorer the way they do on Bitcoin or Ethereum. With fewer exchanges listing XMR, a wallet-to-wallet swap is often the simplest way to turn coins you already hold into Monero.
How long a Monero swap takes
Most of the time is your deposit confirming: about 5–15 minutes from USDT (TRC20) or SOL, 10–25 minutes from ETH, 15–35 minutes from LTC and 20–60 minutes from BTC. Received XMR shows in your wallet within minutes and is spendable after 10 Monero confirmations, about 20 minutes. Swapping XMR out takes about 20–60 minutes in all, because the XMR deposit needs 10 confirmations.
Monero wallets that work with GhostSwap
- Feather Wallet: lightweight desktop wallet with Tor support.
- Cake Wallet: mobile wallet for iOS and Android.
- Monero GUI and CLI: the official wallets from the Monero project.
- Hardware wallets: Trezor and Ledger hold XMR through compatible wallet software.
Any wallet that gives you a standard address or a subaddress can receive XMR from a swap. Compared in detail: best Monero wallets.
Sell Monero for BTC, ETH or USDT
To sell XMR, swap it to the coin you want: XMR to BTC, XMR to USDT (TRC20), XMR to ETH or XMR to LTC. Paste the receiving address for that coin, send XMR from your wallet and the swapped coins are paid to that address. Pick the USDT network that matches your receiving wallet.
Monero guides
- How to buy Monero: every route compared, from swaps to ATMs.
- No-KYC Monero exchanges compared: swaps, P2P markets and DEXs, dated.
- Best Monero wallets
- Which swap services support Monero after FCMP++
- Monero price today
- Zcash exchange: the other big privacy coin, and XMR to ZEC.
More Monero guides: how to sell Monero and is Monero traceable?
Monero exchange FAQ
Does GhostSwap require KYC to exchange Monero?
No. GhostSwap is a no-KYC crypto exchange: there’s no account, and we never ask for your name, email, phone number or identity documents to start a swap.
What is the minimum amount to swap into XMR?
It depends on the coin you send. The live rate card at the top shows the current minimum for BTC, ETH and USDT, and the exchange box shows the exact minimum and maximum for any pair before you send.
Do I need a payment ID or memo for Monero?
No. Use a standard address or a subaddress from your own wallet.
Can I swap Monero back to Bitcoin or USDT?
Yes. Swaps work both ways: XMR to BTC, ETH, USDT, LTC and 1,600+ other coins, with no account.
Does GhostSwap hold my Monero?
No. GhostSwap is non-custodial: there are no balances or accounts, and the swapped coins are paid directly to the address you enter.
What if my swap is slow?
Check your swap’s status page first; nearly every delay is the deposit waiting for confirmations. If it takes longer than the times above, see swap delayed or on hold and contact support with your swap ID.
