How to convert BTC to XMR without KYC

Looking to convert Bitcoin (BTC) to Monero (XMR) without opening an account or submitting ID? This guide walks you through a clean, practical BTC → XMR flow, how fees and confirmations work on both chains, and how to maximize privacy when moving from a transparent chain (Bitcoin) into a privacy coin (Monero).

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TL;DR: Convert BTC to XMR (no KYC)

• Start instantly—no sign‑up or documents.
• Send BTC to a one‑time address; receive XMR after confirmations.
• See total cost upfront; pick fixed or floating quotes.
• Works with modern BTC wallets (Sparrow, BlueWallet, Phoenix, Electrum, Ledger/Trezor) and Monero wallets (Feather, Cake, Monero GUI).

Why choose Swapcherry for BTC → XMR

• No account or KYC: Start the swap in seconds; no personal data upload.
• Non‑custodial flow: You control your BTC until you broadcast the send.
• Transparent quotes: Rate, network fees, and the expected XMR are shown before you commit.
• Fast settlement: Once your BTC confirms, XMR is delivered automatically to your wallet.

What you’ll need (1 minute)

• A BTC wallet you can send from (supports custom fees or RBF preferred)
• Your Monero receiving address (standard or subaddress; integrated payment IDs are deprecated)
• Enough BTC to cover the swap amount plus miner fee

Tip: Use a fresh Monero subaddress for each swap to keep incoming payments separated in your wallet.

How to convert BTC to XMR (step‑by‑step)

1. Open the Swapcherry widget and choose BTC → XMR.
2. Paste your XMR address and select a quote type (fixed or floating).
3. Review the quote (rate, fees, expected XMR).
4. Confirm to get a unique BTC deposit address.
5. Send the exact BTC amount within the quote window (consider an appropriate miner fee).
6. After confirmations, receive XMR automatically to your Monero wallet.

Monero address basics (what to use)

• Prefer a fresh subaddress for each new receipt; most wallets create one in a click.
• No memo is required. Payment IDs are largely deprecated in favor of subaddresses.
• Keep your seed and view key secure; Monero uses view keys to detect incoming funds without exposing spend keys.

Fees, confirmations, and timing (plain‑English)

• Fees: You’ll see service + network fees upfront. BTC miner fees vary with mempool congestion; XMR fees are typically stable and low.
• Confirmations: Your order proceeds after the required BTC confirmations. XMR is then sent to your address and appears after your wallet scans and confirms it.
• Timing: In normal conditions, you’ll see XMR soon after your BTC transaction confirms and the XMR leg is broadcast.

Quote timing, slippage, and expirations

• Quotes reflect market liquidity. In volatile markets, receivable XMR can change quickly.
• If a fixed‑rate quote timer expires before your BTC transaction confirms, generate a new quote to avoid delays.
• Protective recalculations may occur during large price swings; you’ll either see an updated amount or a safe rejection with refund path.

Fixed vs floating rate (which to pick?)

• Fixed: Locks your rate for a short window. Great if you must receive a specific XMR amount. Requires sending on time.
• Floating: Uses the market rate when your BTC arrives. Less timer stress, but final XMR may vary slightly with price moves.

Practical privacy: moving BTC → XMR

Bitcoin is transparent; Monero is private. To reduce linkability when bridging chains:

• Use a fresh BTC UTXO with minimal history if your wallet supports coin control.
• Avoid sending from doxxed or publicly labeled BTC addresses.
• Choose a reasonable miner fee; overly low fees can lead to rebroadcasts/RBF changes that create a noisy on‑chain trail.
• Send the exact quoted amount; avoid manual “topping up,” which can merge inputs and reduce privacy.
• Receive to a fresh Monero subaddress; don’t reuse the same XMR subaddress across multiple swaps.
• For large amounts, consider splitting into multiple swaps spaced out over time.

Paying the invoice: exact, partial, and overpayments

• Exact amount (recommended): Match the BTC amount shown in the quote for the fastest processing.
• Underpayment: Small shortfalls may auto‑recalculate; larger ones can pause for manual handling or refund.
• Overpayment: Excess may be refunded or adjusted in your XMR payout, depending on size and settings.

Include your BTC transaction ID if you contact support—it speeds up resolution.

Refunds and safety

• Refunds, when applicable, are typically returned on the incoming chain (here: Bitcoin).
• Network fees are deducted; high volatility or risk flags can affect refund timing.
• Orders are screened under our AML policy. Review our privacy and terms.

Large swaps: good practice

• Start with a small test swap to confirm address, timing, and wallet scanning.
• Split very large amounts across multiple orders to reduce market and operational risk.
• Avoid peak congestion or major announcements if timing certainty matters to you.

Troubleshooting

• XMR not received yet: Check that your BTC transaction is confirmed; then allow your Monero wallet to scan and sync. Some wallets need time to detect the incoming output.
• Wrong amount sent: Provide the BTC txid to support. Minor deltas may auto‑recalculate; large deviations may require manual review or refund.
• Address issues: Use a valid Monero address (standard or subaddress). Integrated addresses with separate payment IDs are deprecated in modern flows.
• Expired quote: Create a fresh quote and resend within the time window.

FAQ

Do I need KYC to swap BTC to XMR?
Not for standard swaps. We enforce AML rules—always follow your local regulations.

How long does BTC → XMR take?
Usually shortly after your BTC transaction confirms, plus time for your Monero wallet to scan and confirm the incoming XMR.

What’s the cheapest way to convert BTC to XMR?
Use a modern BTC wallet that lets you choose fees, send the exact quoted amount, and avoid multiple partial sends. Floating quotes are fine in calm markets; fixed quotes help when you need predictability.

Which Monero address should I use?
Use a subaddress generated by your wallet for each new receipt. It’s simpler than payment IDs and improves privacy.

Convert BTC to XMR now

Open the Swapcherry widget, paste your Monero address, and send BTC. We’ll handle the rest—no account, no KYC—so your BTC → XMR conversion completes quickly with transparent pricing and clear settlement.