# Cosmos to Monero (ATOM to XMR): no-KYC swap on GhostSwap

> Send Cosmos (ATOM) on Cosmos Hub 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 ATOM history. Most ATOM to XMR swaps are paid out within 5–15 minutes.

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

## At a glance

| | |
|---|---|
| You send | Cosmos (ATOM), Cosmos Hub |
| 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 Memo | If the deposit screen shows a Memo for your ATOM, include it exactly. |
| Deposit network fee | Paid in ATOM by your wallet |
| Deposit confirmation | Under a minute on Cosmos Hub |
| XMR payout | Sent to your address as soon as the swap completes; Monero confirms it in about 20 minutes (10 confirmations) |
| Typical swap time | 5–15 minutes until your XMR is sent |
| Reference rate | 1 ATOM ≈ 0.003115 XMR · 1 XMR ≈ 320.9828 ATOM (market prices, 8 Oct 2026) |
| Limits | Minimum about 18 ATOM. The exact minimum and maximum ATOM 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; ATOM on Mintscan |
| Reverse swap | [XMR to ATOM](https://ghostswap.io/exchange/xmr-atom/) |

## How much XMR you get (quoted 8 Oct 2026, 06:39 UTC, after all fees)

| You send | You receive |
|---|---|
| 50 ATOM | 0.152282 XMR |
| 250 ATOM | 0.764226 XMR |
| 1000 ATOM | 3.0583 XMR |

## How to swap ATOM to XMR

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

## Cosmos Hub ATOM to Monero: memo, unbonding and timing

ATOM to XMR suits Cosmos users who want part of their holdings off a public chain. On the Cosmos Hub, balances, delegations and governance votes are tied to your cosmos1 address and can be browsed on Mintscan. Monero transactions show none of that: no visible sender, receiver or amount. GhostSwap swaps ATOM for XMR without an account.

Cosmos Hub blocks arrive every few seconds and are final once committed, so the deposit is credited quickly and the swap usually takes 5 to 15 minutes. Monero's 10-block lock then adds about 20 minutes before the XMR can be spent. Staked ATOM has to be undelegated first, and the Hub's unbonding period is 21 days; liquid staking tokens such as stATOM are separate tokens, so swap or redeem them for ATOM first.

### Tips

- If the deposit details show a memo with the address, copy it exactly into the memo field in Keplr, Trust Wallet or Vultisig; it identifies your deposit.
- Send with a normal transfer from your Cosmos Hub account (cosmos1...) and enter that address as the refund address.
- Have your Monero payout address ready in Feather, Cake Wallet or Monero GUI, and copy it rather than typing its 95 characters.

### Can I swap ATOM to XMR without KYC?

Yes. A standard swap needs no account, email or ID. You paste a Monero address, check the floating rate and send the ATOM, with the memo if one is shown; refunds go to your cosmos1 address.

### What if my ATOM is on Osmosis?

Move it to your Cosmos Hub address with an IBC transfer first. Keplr shows the same account on both chains (osmo1... and cosmos1...), so this is one transfer inside the wallet; then send the ATOM from the Hub.

## FAQ

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

Most ATOM to XMR swaps are paid out within 5–15 minutes: the ATOM deposit needs under a minute to confirm on Cosmos Hub, 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 1,000 ATOM?

At 8 Oct 2026, 06:39 UTC, 1,000 ATOM swapped to about 3.0583 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 Cosmos 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 Cosmos Hub network fee for your deposit is paid in ATOM 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 ATOM 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 ATOM payment on Mintscan (https://www.mintscan.io/cosmos).

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

GhostSwap is non-custodial: there is no account balance holding your coins. Your ATOM 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 ATOM to XMR swap be traced?

Your ATOM transaction to GhostSwap is visible on the Cosmos Hub blockchain since Cosmos is transparent: transactions are public on Mintscan. 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 ATOM to XMR on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together.

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

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

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

If a swap cannot be completed, the ATOM is refunded to the Cosmos Hub 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 ATOM](https://ghostswap.io/exchange/xmr-atom/) ([Markdown](https://ghostswap.io/exchange/xmr-atom.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)