XMR to PYUSD: Exchange Monero for PayPal USD Without KYC

Exchange XMR to PYUSD: send Monero (XMR) and receive PayPal USD (PYUSD, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. The PYUSD arrives as an ordinary transfer on Ethereum, while the XMR you send stays private on its own chain.

Updated 26 October 2026

  • 20–60 min
  • No account · No KYC
  • Paid to your wallet
  • Fees included in quote
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XMR
XMR
PYUSD
PYUSD


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

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Monero Logo
XMR
Monero
Price:
$605.97
24h Change:
1.29%
Market Cap:
$11.40B
Volume (24h):
$116.22M
Circulating Supply:
18.82M XMR
PayPal USD Logo
PYUSD
PayPal USD
Price:
$0.9999
24h Change:
0.02%
Market Cap:
$3.03B
Volume (24h):
$26.27M
Circulating Supply:
3.03B PYUSD

Data by CoinGecko

XMR to PYUSD Exchange Rate

1 XMR = 606.0300 PYUSD

The 1 Monero to PayPal USD 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

XMR to PYUSD swap at a glance

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

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

The PYUSD arrives as an ordinary transfer on Ethereum, while the XMR you send stays private on its own chain. It is a cross-chain swap from Monero to Ethereum, with no bridge and no wrapped tokens.

Swap time
20–60 minuntil your PYUSD is sent
Network fee
Paid in XMRby your wallet
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pagePYUSD on Etherscan
Your PYUSD address
Ethereum addressIt starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger.
Reference rate
1 XMR ≈ 606.0300 PYUSD1 PYUSD ≈ 0.001650 XMR · market prices, 28 Oct 2026
Minimum
About 0.05 XMRThe exact minimum and maximum are shown in the exchange box before you send.
  1. Send XMRAbout 20 minutes (10 confirmations) to confirm on Monero
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive PYUSDSent to your address; Ethereum confirms in about 2–5 minutes
Facts checked 28 Oct 2026Reverse: PYUSD to XMR

How much PYUSD do I get for XMR?

GhostSwap quotes at 28 Oct 2026, 00:19 UTC. What lands in your wallet: service fee and PYUSD network fee already deducted.

After all fees
0.2XMR
119.0763PYUSD
1XMR
598.1318PYUSD
2.5XMR
1,495.90PYUSD

The rate floats with the market until your XMR deposit confirms. The minimum for this pair is about 0.05 XMR. Enter any amount in the exchange box above for a live quote; no account needed.

XMR to PYUSD at the market rate, before fees

XMRPYUSD, market rate, before fees
0.05 XMR30.3015 PYUSD
0.1 XMR60.6030 PYUSD
0.2 XMR121.2060 PYUSD
0.5 XMR303.0150 PYUSD
1 XMR606.0300 PYUSD
2.5 XMR1,515.07 PYUSD
10 XMR6,060.30 PYUSD
25 XMR15,150.75 PYUSD

Market prices of $605.9700 per XMR and $0.999901 per PYUSD on 28 Oct 2026. The box above shows the amount after all fees.

XMR to PYUSD price chart, market rate before fees

XMR/PYUSD

Loading chart...

How do I exchange XMR to PYUSD?

  1. Pick XMR and PYUSD

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

  2. Paste your Ethereum address

    Paste the Ethereum address that should receive the PYUSD: it starts with 0x followed by 40 hexadecimal characters. Wallets that work: MetaMask, Rabby or a Ledger. Then enter the Monero address you send XMR from; a refund, if ever needed, goes there.

  3. Send XMR on Monero

    Send exactly the amount shown from your own Monero wallet to the one-time deposit address, on the Monero network.

  4. Receive PYUSD

    Your PYUSD is usually paid out 20–60 minutes after you send your XMR, and Ethereum then confirms it in about 2–5 minutes. Follow each step on the status page with your swap ID.

Common mistakes with XMR to PYUSD

  • Sending XMR from a wallet that is not fully synced.
  • Leaving too little XMR in the wallet for the network fee.
  • Pasting an address from another network: the PYUSD address starts with 0x followed by 40 hexadecimal characters.

XMR to PYUSD: questions and answers

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

Can you swap Monero to PayPal USD?
Yes. Pick XMR and PYUSD in the box above, paste your Ethereum address and send the XMR; the PYUSD goes straight to your wallet in about 20 to 60 minutes, with no account.
Where can I exchange XMR for PYUSD?
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 XMR and receive PYUSD at the rate shown before you send.
Can I convert Monero to PayPal USD anonymously?
GhostSwap asks for no account, email or ID. Your XMR deposit is private on the Monero blockchain; the PYUSD payout is public on Ethereum, so receive it at a new address that has no history.
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 XMR to PYUSD on GhostSwap?
Most XMR to PYUSD swaps are paid out within 20–60 minutes: the XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero, then the PYUSD is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes.
How much is 1 XMR in PYUSD?
At 28 Oct 2026, 00:19 UTC, 1 XMR swapped to about 598.1318 PYUSD on GhostSwap, after the service fee. The minimum for this pair is about 0.05 XMR. The rate floats with the market until your XMR deposit confirms, so the exchange box shows the exact amount before you send.
What are the fees for converting Monero to PayPal USD?
The GhostSwap fee is already included in the rate in the exchange box, so the PYUSD amount you see is what you receive. On top of that, the Monero network fee for your deposit is paid in XMR by your wallet.
What wallet should I use to receive PYUSD?
To receive PayPal USD from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your PYUSD address before confirming, cryptocurrency transactions cannot be reversed.
What format is the PYUSD address?
Use an Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending PYUSD to an address on another network can lose the coins.

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

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

More XMR and PYUSD pages

Reverse: PYUSD to XMRMonero exchange: all XMR routesBTC to PYUSDPYUSD to BTCPYUSD to ETHUSDC to PYUSDBTC to XMRXMR to BTCHow to sell MoneroMonero price today