PYUSD to XMR: Exchange PayPal USD for Monero Without KYC

Exchange PYUSD to XMR: send PayPal USD (PYUSD, an ERC-20 token on Ethereum) 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 PYUSD history.

Updated 19 October 2026

  • 10–25 min
  • No account · No KYC
  • Paid to your wallet
  • Fees included in quote
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PYUSD
PYUSD
XMR
XMR


⚠️ Enter the exact wallet you are sending from. Your funds must be sent from this address.

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PayPal USD Logo
PYUSD
PayPal USD
Price:
$1.00
24h Change:
0.00%
Market Cap:
$3.04B
Volume (24h):
$56.71M
Circulating Supply:
3.04B PYUSD
Monero Logo
XMR
Monero
Price:
$599.00
24h Change:
-3.82%
Market Cap:
$11.27B
Volume (24h):
$210.14M
Circulating Supply:
18.82M XMR

Data by CoinGecko

PYUSD to XMR Exchange Rate

1 PYUSD = 0.001669 XMR

The 1 PayPal USD to Monero reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.

Live market rate

PYUSD to XMR swap at a glance

Everything that is specific to swapping PayPal USD to Monero on GhostSwap.

PayPal USD (PYUSD)You send · ERC-20 token on Ethereum
Monero (XMR)You receive · Monero network

Monero hides the sender, receiver and amount of every transfer, so the XMR you receive has no public link to your PYUSD history. It is a cross-chain swap from Ethereum to Monero, with no bridge and no wrapped tokens.

Swap time
10–25 minuntil your XMR is sent
Network fee
Paid in ETHkeep a little ETH too
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pagePYUSD on Etherscan
Your XMR address
Monero addressIt is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI.
Reference rate
1 PYUSD ≈ 0.001669 XMR1 XMR ≈ 599.0000 PYUSD · market prices, 22 Oct 2026
Minimum
About 31 PYUSDThe exact minimum and maximum are shown in the exchange box before you send.
  1. Send PYUSDAbout 2–5 minutes to confirm on Ethereum
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive XMRSent to your address; Monero confirms in about 20 minutes (10 confirmations)
Facts checked 22 Oct 2026Reverse: XMR to PYUSD

How much XMR do I get for PYUSD?

GhostSwap quotes at 22 Oct 2026, 23:44 UTC. What lands in your wallet: service fee and XMR network fee already deducted.

After all fees
100PYUSD
0.162974XMR
500PYUSD
0.819949XMR
2,500PYUSD
4.1047XMR

The rate floats with the market until your PYUSD deposit confirms. The minimum for this pair is about 31 PYUSD. Enter any amount in the exchange box above for a live quote; no account needed.

PYUSD to XMR at the market rate, before fees

PYUSDXMR, market rate, before fees
31 PYUSD0.051753 XMR
50 PYUSD0.083472 XMR
100 PYUSD0.166945 XMR
250 PYUSD0.417362 XMR
500 PYUSD0.834725 XMR
1,000 PYUSD1.6694 XMR
5,000 PYUSD8.3472 XMR
10,000 PYUSD16.6945 XMR

Market prices of $1.0000 per PYUSD and $599.0000 per XMR on 22 Oct 2026. The box above shows the amount after all fees.

PYUSD to XMR price chart, market rate before fees

PYUSD/XMR

Loading chart...

How do I exchange PYUSD to XMR?

  1. Pick PYUSD and XMR

    Pick PYUSD in “You send” and XMR in “You get”, then enter the amount. The box shows how much XMR you get after all fees, and the minimum for this pair.

  2. Paste your Monero address

    Paste the Monero address that should receive the XMR: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets that work: Feather, Cake Wallet or Monero GUI. Then enter the Ethereum address you send PYUSD from; a refund, if ever needed, goes there.

  3. Send PYUSD on Ethereum

    Send exactly the amount shown from your own Ethereum wallet to the one-time deposit address, on the Ethereum network (as an). Keep a little ETH in that wallet for the network fee.

  4. Receive XMR

    Your XMR is usually paid out 10–25 minutes after you send your PYUSD, and Monero then confirms it in about 20 minutes (10 confirmations). Follow each step on the status page with your swap ID.

Common mistakes with PYUSD to XMR

  • Sending from an exchange account, so the sender address isn't yours and a refund can't reach you.
  • A Ethereum wallet with no ETH for the network fee.
  • Sending PYUSD on a different network than Ethereum.
  • A Monero address typed by hand (it is 95 characters): copy and paste it.

PYUSD to XMR: questions and answers

Everything you need to know about exchanging PYUSD to XMR on GhostSwap.

Can you swap PayPal USD to Monero?
Yes. Pick PYUSD and XMR in the box above, paste your Monero address and send the PYUSD; the XMR goes straight to your wallet in about 10 to 25 minutes, with no account.
Where can I exchange PYUSD for XMR?
On a no-account swap service like GhostSwap, or on the few exchanges that still list Monero in your country. A swap needs no sign-up: you send PYUSD and receive XMR at the rate shown before you send.
Can I convert PayPal USD to Monero anonymously?
GhostSwap asks for no account, email or ID. Your PYUSD deposit is still visible on the Ethereum blockchain; the XMR you receive is private by default, and no account ties the two together.
Is XMR illegal in the USA?
No. No US law bans owning or swapping Monero. Some exchanges have stopped listing it, which is a business choice, not a ban; you are responsible for the rules where you live.
Why is XMR being delisted?
Some exchanges drop privacy coins because their local rules make listing them hard; Binance delisted XMR in February 2024, for example. Our Monero delistings tracker lists each one with its date and source.
How long does it take to swap PYUSD to XMR on GhostSwap?
Most PYUSD to XMR swaps are paid out within 10–25 minutes: the PYUSD deposit needs about 2–5 minutes to confirm on Ethereum, 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 is 1 PYUSD in XMR?
1 PYUSD is worth about 0.001669 XMR at the market rate, before fees (market prices, 22 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XMR network fee. The minimum for this pair is about 31 PYUSD. The rate floats with the market until your PYUSD deposit confirms, so the exchange box shows the exact amount before you send.
What are the fees for converting PayPal USD 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, your wallet needs a little ETH to pay the Ethereum network fee for sending PYUSD.
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.

What is PayPal USD? PayPal USD (PYUSD) is a stablecoin issued by PayPal, pegged 1:1 to the U.S.

What is Monero? Monero (XMR) is the leading privacy cryptocurrency and hides the sender, receiver and amount of every transaction by default. Monero price today

More PYUSD and XMR pages

Reverse: XMR to PYUSDMonero exchange: all XMR routesBTC to XMRXMR to BTCETH to XMRXMR to USDT TRC20USDT TRC20 to XMRSOL to XMRHow to buy MoneroMonero price today