Swap BTC to XMR in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the XMR goes straight to the wallet address you enter.
Enter the amount of Bitcoin you want to swap in the widget above. It shows an estimate of the Monero you will receive on the Monero network at the current floating rate, with the payout network fee already taken into account.
Paste your XMR wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your BTC to the one-time deposit address on the Bitcoin network. Once the deposit confirms, the swap runs automatically and the XMR is sent to your wallet. The order page shows every stage.
Swapping Bitcoin (BTC) for Monero (XMR) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the XMR goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Bitcoin deposit confirms on Bitcoin. The payout is sent on Monero, so check that your Monero address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 BTC
≈
120.46751 XMR
At the latest hourly update, 1 BTC converts to about 120.46751 XMR. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
Approximate exchange rates between these assets, refreshed hourly
As of Nov 4, 2026 14:00 UTC, 1 BTC is worth about $77,513.96 and 1 XMR about $631.58, so 1 BTC converts to roughly 120.46751 XMR. These figures move with the market, and the widget shows the live estimate before you confirm.
Bitcoin leaves your BTC wallet and Monero (XMR) arrives at a Monero address you control, all without creating an account. Most people who convert BTC to XMR want financial privacy for what happens next: Monero hides senders, receivers and amounts by default, while every bitcoin transaction stays visible on a public ledger. Others hold XMR to pay merchants and services that accept it.
Monero uses ring signatures, stealth addresses and RingCT to keep transfers private, and its proof-of-work chain targets a block about every two minutes. Bitcoin is fully transparent. Keep that in mind: your BTC deposit to the one-time address is public and traceable on the Bitcoin chain, while the XMR payout is private on the Monero side. Monero addresses are long strings that usually start with 4 or 8. No memo or payment ID is needed for this cross-chain swap.
The amount in the widget is a floating-rate estimate, net of the exchange margin and the Monero network fee for your payout. A move in the market before your bitcoin confirms can change the final XMR slightly. Bitcoin confirmations take most of the time when you swap BTC to XMR. After the payout, your Monero wallet may need to sync and will show the funds as locked for a short while before you can spend them. The order page and transaction ID let you follow every step.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Bitcoin (BTC) | Monero (XMR) |
| Network | Bitcoin | Monero |
| Type | Native coin | Native coin |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Bitcoin to Monero | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.0001716 BTC | |
| Account / ID | Not needed to start a swap | |
Only the Monero side is private. Your bitcoin deposit is recorded on the public Bitcoin blockchain like any other BTC transaction. The XMR payout uses Monero's default privacy, so outside observers cannot see its amount or your receiving address on the Monero chain.
A standard Monero address starting with 4 or a subaddress starting with 8 both work. Generate it in your own Monero wallet, such as the official GUI or CLI wallet, and paste the whole string. Never paste your private view key or spend key.
No payment ID or memo is needed on this pair. Modern Monero wallets use subaddresses to separate incoming payments, which replaced the old payment ID system. Should an exchange ask for a payment ID, check with them before using that address.
Monero keeps newly received outputs locked for a short number of blocks before a wallet can spend them. Your balance shows the XMR, but part of it appears as locked until those blocks pass. This is a protocol rule, not a problem with the swap.
xswap.to does not ask for ID or an account on any pair, Monero included. Occasionally an automated anti-money-laundering screen run by an exchange partner flags a deposit, holds it and asks for verification. When an order stalls, reach support on Telegram (@xswap_to) and include its transaction ID.
Between the quote and the confirmation of your BTC deposit, the rate keeps floating, so the final figure can move a little either way. The exchange margin and the Monero payout fee are part of the estimate already. A slow deposit confirmation gives the rate more time to shift.
