Swap XMR to ADA 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 ADA goes straight to the wallet address you enter.
Enter the amount of Monero you want to swap in the widget above. It shows an estimate of the Cardano you will receive on the Cardano network at the current floating rate, with the payout network fee already taken into account.
Paste your ADA 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 XMR to the one-time deposit address on the Monero network. Once the deposit confirms, the swap runs automatically and the ADA is sent to your wallet. The order page shows every stage.
Swapping Monero (XMR) for Cardano (ADA) 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 ADA goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Monero deposit confirms on Monero. The payout is sent on Cardano, so check that your Cardano address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XMR
≈
3224.670442 ADA
At the latest hourly update, 1 XMR converts to about 3224.670442 ADA. 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
Monero (XMR) leaves your Monero wallet and native Cardano (ADA) lands at your Cardano address, with no account or email involved. One common reason: you hold XMR and want ADA to delegate to a stake pool from your own wallet or to use in Cardano apps, without first selling XMR through an exchange account.
Monero is mined with the RandomX proof-of-work algorithm and keeps senders, receivers and amounts off the public record by default. Cardano runs on Ouroboros proof of stake and an extended UTXO model. Moving between them is a cross-chain swap, and neither side needs a memo. Your ADA payout needs a Shelley-era address starting with addr1. The BEP-20 Cardano token on BNB Smart Chain is a separate listing and is not native ADA.
Monero targets a block about every two minutes, so the XMR deposit usually takes longer to confirm than the ADA payout, which Cardano adds in blocks roughly every 20 seconds on average. The widget shows a floating-rate estimate with the Cardano network fee for the payout deducted. A move in XMR or ADA before the deposit confirms can nudge the result a little. Keep the order page open, or reopen it from Track Order, to see each stage.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Monero (XMR) | Cardano (ADA) |
| Network | Monero | Cardano |
| Type | Native coin | Native coin |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Monero to Cardano | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.012242 XMR | |
| Account / ID | Not needed to start a swap | |
The ADA side is public. Cardano is a transparent ledger, so the payout and your receiving address are visible on any Cardano block explorer. The Monero side keeps its on-chain privacy, but links can still form, for example if you reuse that Cardano address elsewhere.
Use a Shelley-era address that starts with addr1, which current Cardano wallets show by default. Older Byron addresses still exist, but a modern addr1 address is the safer choice. Do not use a BNB Smart Chain address, since that would belong to the BEP-20 token, not native ADA.
Monero wallets can show the transaction ID and a transaction key for each outgoing payment. Support can use those to confirm that your deposit reached the one-time address. Save them before closing the wallet, and send them to @xswap_to on Telegram if there is a problem.
Once ADA lands in your own Cardano wallet you can delegate it to a stake pool from that wallet, and the coins stay at your address while delegated. xswap.to itself offers no staking, so this is something you set up in your wallet afterwards.
The quote is a floating-rate estimate taken when you create the order. The Cardano payout fee is already in it, but the XMR price can move during the wait for Monero block confirmations, so the final ADA can be a bit higher or lower.
There is no account, no email and no signup. You enter the ADA address, send XMR to the one-time deposit address, and the payout goes to you. xswap.to does not ask for ID, although a partner's automated anti-money-laundering check can rarely pause a flagged order.
