Monero wallets for sending and receiving XMR in a swap

Any Monero wallet you control works for a swap if it shows a receiving address and can send XMR. The official Monero GUI and CLI, Feather, Cake Wallet, Monerujo and Stack Wallet are open source and listed on getmonero.org. Use a fresh subaddress (it starts with 8) for each payout and back up the seed on paper. xswap.to never asks for it.

Open-source Monero wallets people use for swaps

These wallets are open source and appear on the official Monero downloads page. The GUI and CLI come from the Monero project. The page describes the others as wallets not managed by the Monero core team and asks you to do your own research before you trust one.

Wallet	Platforms	Notes
Monero GUI	Windows, macOS, Linux	Official desktop wallet. Simple mode connects to a remote node; advanced mode can run your own. Works with Ledger and Trezor. 25-word seed.
Monero CLI	Windows, macOS, Linux, Android, FreeBSD	Official command-line wallet for advanced users, with your own node or a remote one. Works with Ledger and Trezor.
Feather	Windows, macOS, Linux, Tails	Desktop wallet. New wallets use a 16-word Polyseed.
Cake Wallet	iOS, Android, macOS, Linux	Multi-coin wallet. Makes a new subaddress after each one is used. New Monero wallets default to a 16-word Polyseed.
Monerujo	Android	Phone wallet. Its last GitHub release is from June 2025, so look for recent news before you rely on it.
Stack Wallet	iOS, Android, macOS, Windows, Linux	Multi-coin wallet.

The downloads page lists a few more. Install from the project's own site or the store link it gives, and check the GUI and CLI downloads against the published hashes.

What to check before you choose

• Recent releases. Monero network upgrades are hard forks, and everyone has to update their software for them. Pick a wallet that still ships updates and install them.
• How it syncs. The wallets in the table scan the blockchain on your device and connect to a remote node, or your own, without sharing any key. Lightweight wallets, which the downloads page lists separately, share your private view key with a server that scans for your transactions, so that server can see your incoming payments.
• Hardware support. The official wallets work with Ledger and Trezor. The downloads page lists Feather for both, and Cake Wallet and Monerujo for Ledger.
• Seed format. A 25-word seed or a 16-word Polyseed. Both work; the backup section below explains the difference.

Subaddresses vs the primary address

Your wallet has one primary address. It starts with 4 and is 95 characters long. Subaddresses start with 8, have the same length and pay into the same wallet and the same seed. You can make as many as you like.

For swaps, a new subaddress per order is a good habit. You can tell each payout apart in the wallet history, and the Monero docs recommend a new subaddress for each payout so a payer cannot link your payouts by address. How to make one:

• Monero GUI: on the Receive page, click Create new address and give it a label if you like.
• Monero CLI: run address new with an optional label.
• Cake Wallet: the Receive screen shows the first unused subaddress, and a new one appears after each is used.

Subaddresses belong to an account inside the wallet. If you made one under a second account, the payout shows in that account's balance, not the first one. A swap payout needs no integrated address and no payment ID; those are for exchanges and shops that match deposits to customers.

Some services still do not accept subaddresses, as the Feather docs note. If the swap form shows an error for an address that starts with 8, use your primary address (it starts with 4) instead.

Back up the seed and keep it to yourself

The seed phrase is the backup of your whole wallet. Anyone who has it can spend your XMR, and if you lose both the device and the seed, the XMR is gone. Write it on paper and keep it offline.

• The official GUI and CLI wallets use a 25-word seed.
• Feather, and Cake Wallet by default, use a 16-word Polyseed. It stores the date the wallet was created, so a restore knows where to start scanning.
• With a 25-word seed, note the wallet's creation date or restore height as well. A restore height later than your first incoming payment makes the wallet miss transactions and show the wrong balance.
• The wallet password only encrypts the wallet file on that device. It is not a backup and cannot restore the wallet.

xswap.to never asks for a seed phrase or private key, and a swap never needs one: you paste a receiving address and send from your own wallet. Anyone who asks for your seed, including someone who claims to be support, is trying to take your XMR. The security page has more on this.

Receiving XMR from a swap

1. Make a new subaddress and copy it. Do not type it by hand.
2. Paste it into Recipient Address on the swap page, for example BTC to XMR, and compare the first and last characters. No payment ID field appears.
3. When the order page shows the payout, open the wallet and let it sync. Most wallets that scan on your device only check new blocks while they are open.
4. The XMR shows as locked at first. Every new output is locked for a set number of blocks, and then it becomes spendable.

Payout sent but nothing in the wallet? Check that it has synced to the latest block, that you are looking at the right account and, for a restored wallet, that the restore height is earlier than the payout. The BTC to XMR guide walks through a full swap.

Sending XMR to a swap

To swap XMR for another coin, for example XMR to BTC, your spendable balance has to cover the amount and the network fee. Copy the deposit address from the order page, paste it into the wallet's Send screen, check it and send the amount you entered in one transaction. Keep the transaction ID and the tx key: they prove the payment if support asks. The XMR to ETH guide covers the sending side in detail.

Частые вопросы

Страницы обмена

Ещё гайды

Начать обмен →