# Cardano to Monero (ADA to XMR): no-KYC swap on GhostSwap

> Send Cardano (ADA) and receive Monero (XMR) in your own wallet, with no account and no KYC. Monero hides the sender, receiver and amount of every transfer, so the XMR you receive has no public link to your ADA history. Most ADA to XMR swaps are paid out within 10–25 minutes.

Swap page: https://ghostswap.io/exchange/ada-xmr/
Updated: 2026-10-08

## At a glance

| | |
|---|---|
| You send | Cardano (ADA) |
| You receive | Monero (XMR) |
| Your XMR address | Monero address that is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI |
| Deposit network fee | Paid in ADA by your wallet |
| Deposit confirmation | A few minutes (blocks about every 20 seconds) on Cardano |
| XMR payout | Sent to your address as soon as the swap completes; Monero confirms it in about 20 minutes (10 confirmations) |
| Typical swap time | 10–25 minutes until your XMR is sent |
| Reference rate | 1 ADA ≈ 0.000450 XMR · 1 XMR ≈ 2,221.81 ADA (market prices, 8 Oct 2026) |
| Limits | Minimum about 120 ADA. The exact minimum and maximum ADA amounts are shown live in the exchange box |
| Account / KYC | None for standard swaps: no sign-up, no email, no ID |
| Tracking | Status page with your swap ID; ADA on Cardanoscan |
| Reverse swap | [XMR to ADA](https://ghostswap.io/exchange/xmr-ada/) |

## How much XMR you get (quoted 8 Oct 2026, 06:44 UTC, after all fees)

| You send | You receive |
|---|---|
| 500 ADA | 0.221452 XMR |
| 2500 ADA | 1.1103 XMR |
| 10000 ADA | 4.4412 XMR |

## How to swap ADA to XMR

1. Open https://ghostswap.io/exchange/ada-xmr/ and enter the amount of ADA to send.
2. Paste the XMR address that should receive the coins.
3. Enter the ADA address you are sending from, then confirm.
4. Send the ADA to the one-time deposit address shown.
5. Receive XMR in your wallet and follow the status page with your swap ID.

## Swapping ADA for XMR while the rest of your wallet stays staked

ADA to XMR suits Cardano holders who want a private balance next to their staked one. Cardano is a public ledger: Cardanoscan shows a wallet's payments, the pool it delegates to and its rewards history. Monero transfers hide the sender, receiver and amount, and GhostSwap makes the swap with no account or ID.

Delegating ADA never locks it, so you can send straight from a staked wallet and the rest stays with your pool. Cardano produces a block roughly every 20 seconds, so the ADA deposit is normally confirmed a few minutes after you send it; plan on 10 to 25 minutes for the whole swap. Received XMR then needs about 10 confirmations, roughly 20 minutes, before your Monero wallet lets you spend it.

### Tips

- Use Eternl, Lace or VESPR to send the ADA, and put that wallet's addr1 address in the refund field.
- Staking rewards sit in a separate reward balance. Withdraw them in your wallet first if you want them in the swap; Cardano now requires a vote delegation (a DRep, Abstain or No Confidence) on your stake key before rewards can be withdrawn.
- Paste a Monero address starting with 4 or 8; generating a fresh subaddress for every swap means no two payouts share an address.

### Is ADA to XMR possible without an account?

Yes. You enter your Monero payout address and your addr1 refund address; there is no account, email or ID. The floating rate is shown before you send the ADA.

### Do I lose staking rewards by swapping?

Only on the ADA you send. The ADA left in the wallet stays delegated with no unbonding, but rewards follow stake snapshots, so the smaller balance earns less from a later snapshot onward.

## FAQ

### How long does it take to swap ADA to XMR on GhostSwap?

Most ADA to XMR swaps are paid out within 10–25 minutes: the ADA deposit needs a few minutes (blocks about every 20 seconds) to confirm on Cardano, then the XMR is sent to your wallet, and Monero confirms the payout in about 20 minutes (10 confirmations). Busy networks can add a few minutes.

### How much XMR do I get for 10,000 ADA?

At 8 Oct 2026, 06:44 UTC, 10,000 ADA swapped to about 4.4412 XMR on GhostSwap, after the service fee and the XMR network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### What are the fees for converting Cardano to Monero?

The GhostSwap fee is already included in the rate in the exchange box, so the XMR amount you see is what you receive. On top of that, the Cardano network fee for your deposit is paid in ADA by your wallet.

### What wallet should I use to receive XMR?

To receive Monero from your swap, we recommend using Feather, Cake Wallet or Monero GUI. MetaMask and other Ethereum wallets do not support Monero. Make sure your wallet supports the Monero network before starting the exchange. Double-check your XMR address before confirming, cryptocurrency transactions cannot be reversed.

### What format is the XMR address?

Use a Monero address: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Copy it from your wallet and paste it; never type it by hand.

### Can I track my ADA to XMR swap?

Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your ADA payment on Cardanoscan (https://cardanoscan.io).

### Is it safe to exchange ADA for XMR on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your ADA deposit is converted and the XMR is sent straight to the Monero address you enter, so check that address twice, Monero transfers cannot be reversed.

### Can my ADA to XMR swap be traced?

Your ADA transaction to GhostSwap is visible on the Cardano blockchain since Cardano is transparent: all transactions visible on Cardanoscan. However, once your XMR arrives in your wallet, Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction. By swapping ADA to XMR on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together.

### How does a cross-chain ADA to XMR swap work?

Cardano lives on Cardano and Monero on Monero, two separate blockchains. Instead of a bridge, GhostSwap takes your ADA on Cardano and pays native XMR on Monero, so you never hold a wrapped token or pay bridge fees.

### What happens if my ADA to XMR exchange fails?

If a swap cannot be completed, the ADA is refunded to the Cardano address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network.

## Related

- [Reverse: XMR to ADA](https://ghostswap.io/exchange/xmr-ada/) ([Markdown](https://ghostswap.io/exchange/xmr-ada.md))
- [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md))
- [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/)
- [All GhostSwap pairs](https://ghostswap.io/exchange/)
- [How to exchange](https://ghostswap.io/how-to-exchange/)
- [Site guide for AI assistants](https://ghostswap.io/llms.txt)