# Monero to Zcash (XMR to ZEC): no-KYC swap on GhostSwap

> Send Monero (XMR) and receive Zcash (ZEC) in your own wallet, with no account and no KYC. It is a cross-chain swap from Monero to Zcash, with no bridge and no wrapped tokens. Most XMR to ZEC swaps are paid out within 20–60 minutes.

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

## At a glance

| | |
|---|---|
| You send | Monero (XMR) |
| You receive | Zcash (ZEC) |
| Your ZEC address | Zcash address that starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo |
| Deposit network fee | Paid in XMR by your wallet |
| Deposit confirmation | About 20 minutes (10 confirmations) on Monero |
| ZEC payout | Sent to your address as soon as the swap completes; Zcash confirms it in about 10–20 minutes |
| Typical swap time | 20–60 minutes until your ZEC is sent |
| Reference rate | 1 XMR ≈ 0.428133 ZEC · 1 ZEC ≈ 2.3357 XMR (market prices, 8 Oct 2026) |
| Limits | Minimum about 0.054 XMR. The exact minimum and maximum XMR 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; ZEC on Blockchair |
| Reverse swap | [ZEC to XMR](https://ghostswap.io/exchange/zec-xmr/) |

## How much ZEC you get (quoted 8 Oct 2026, 03:30 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.2 XMR | 0.084075 ZEC |
| 1 XMR | 0.421810 ZEC |
| 5 XMR | 2.1101 ZEC |

## How to swap XMR to ZEC

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

## Monero to Zcash: two privacy models, one swap

XMR to ZEC goes straight from one privacy coin to the other, with no Bitcoin step and no account. Monero hides the sender, the receiver and the amount of every transaction. Zcash gives the same protection only to shielded transfers; its transparent addresses work like Bitcoin's. People make this swap to hold both coins or to pay someone who takes ZEC.

Your XMR deposit hides the sender and the amount on the Monero chain. It is usually credited within about 20 minutes, and most swaps pay the ZEC within 20 to 60 minutes. The payout lands at a transparent t-address, so the amount received is public until you move it into your wallet's shielded pool. Zcash adds a block about every 75 seconds, so that shielding step confirms quickly.

### Tips

- Copy the transparent receiving address (t1 or t3) from Zodl (formerly Zashi), Zkool or Zingo, not the shielded u1 address the wallet offers first.
- Shield the ZEC before you use it. Spending straight from the t-address links the payout to wherever the coins go next.
- Enter a Monero address from your own wallet as the refund address; Monero needs no payment ID.

### Can I swap Monero to Zcash without KYC?

Yes. Neither side asks you to register: an XMR to ZEC swap needs no account, email or ID. Paste a t1 or t3 address for the ZEC, a Monero address for refunds, and send the XMR at the floating rate shown.

### Is ZEC as private as XMR after the swap?

Only once it is shielded. Transfers between shielded Zcash addresses hide the sender, the receiver and the amount, much as Monero does for every transfer. ZEC left at a transparent address is as visible as Bitcoin.

## FAQ

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

Most XMR to ZEC swaps are paid out within 20–60 minutes: the XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero, then the ZEC is sent to your wallet, and Zcash confirms the payout in about 10–20 minutes. Busy networks can add a few minutes.

### How much ZEC do I get for 5 XMR?

At 8 Oct 2026, 03:30 UTC, 5 XMR swapped to about 2.1101 ZEC on GhostSwap, after the service fee and the ZEC 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 Monero to Zcash?

The GhostSwap fee is already included in the rate in the exchange box, so the ZEC 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 ZEC?

To receive Zcash from your swap, we recommend using Zodl (formerly Zashi), Zkool or Zingo. All three can move ZEC into the shielded pool. Make sure your wallet supports the Zcash network before starting the exchange. Double-check your ZEC address before confirming, cryptocurrency transactions cannot be reversed.

### What format is the ZEC address?

Use a Zcash address: it starts with t1 or t3 for a transparent address. Copy it from your wallet and paste it; never type it by hand.

### Can I track my XMR to ZEC 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 incoming ZEC on Blockchair (https://blockchair.com/zcash).

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

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

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

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

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

If a swap cannot be completed, the XMR is refunded to the Monero 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: ZEC to XMR](https://ghostswap.io/exchange/zec-xmr/) ([Markdown](https://ghostswap.io/exchange/zec-xmr.md))
- [No-KYC Zcash exchange: all routes, minimums and times](https://ghostswap.io/zcash-exchange/) ([Markdown](https://ghostswap.io/zcash-exchange.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)