Your Monero leaves a wallet that shows nothing, and bitcoin lands at a fresh address of yours, sent from ours. No account and no exchange in between.
Market rate on 5 Nov 2026, 16:05 UTC, refreshed every 15 minutes.
Most of the world still prices in bitcoin. The shop, the invoice, the friend who only has a Bitcoin wallet: sooner or later, Monero has to meet them.
The question is how. Withdrawing through an exchange account means handing it your ID first, and then the bitcoin that comes out sits next to your name. Swapping here, the XMR leaves a wallet the chain keeps quiet about and the BTC lands from our payout address.
Two habits make it cleaner. Send the bitcoin to a fresh address that has never touched an exchange, and don't spend it the second it lands: payments that leave a wallet moments after they arrive are the easiest to pair up.
Your Monero deposit counts after 10 blocks, about 20 minutes, the same wait every Monero wallet has.
Type how much XMR you're sending and choose BTC. The bitcoin shown is what arrives, network fee included.
A new bc1q or bc1p from your own wallet, so the coins start with no past.
To the deposit address on the order, within the hour. Your wallet sets Monero's small fee for you.
Monero counts your deposit after its usual ten blocks; the mule trades, and Bitcoin's next block carries the payout.
Monero's fee depends on the size of the transaction and is small, usually a few cents.
bc1q | SegWit, the most common today |
|---|---|
bc1p | Taproot |
3 | script addresses, often multisig |
1 | legacy |
Your wallet usually shows the bitcoin within minutes of the payout, and counts it as settled after a few more blocks.
More about BitcoinOn 4 Nov 2026, 00:52 UTC, sending 0.16 XMR cost 3.93% of its value and 1.4 XMR cost 0.50%, every fee included, measured against the market price at that minute.
| You send | Worth | BTC that landed | All-in cost |
|---|---|---|---|
| 0.16 XMR | $99.58 | 0.001244 BTC | 3.93% |
| 0.64 XMR | $398.34 | 0.005127 BTC | 1.02% |
| 1.4 XMR | $871.36 | 0.011275 BTC | 0.50% |
Rather the BTC landed on a day you choose? Stealth lets you pick it, 1 to 30 days out, with its fee of 2% to 6% shown on its own line before you send.
The longest stretch: monero checks your xmr, 10 confirmations, about 20 minutes. The mule walks the bar at the same pace your swap does, just faster.
XMRBTCXMR: Monero hides the sender, the receiver and the amount of every payment by default.
BTC: Every Bitcoin payment is public: the amount and both addresses stay on the ledger for anyone to read.
Your Monero deposit reveals nothing on its chain. The bitcoin is a different story from the moment it lands: give it a new address and let it sit before you spend it.
Read more: what Monero hides, and where it leaks, and how Bitcoin payments get traced.
XMRBTCEvery rule, stop by stop: how an order runs.
The market rate on 5 Nov 2026, 16:05 UTC, before any fee. The desk above shows what actually lands for your amount.
| XMR | BTC |
|---|---|
| 0.082 XMR | 0.000659 BTC |
| 0.16 XMR | 0.001286 BTC |
| 0.41 XMR | 0.003296 BTC |
| 0.82 XMR | 0.006592 BTC |
| 1 XMR | 0.008039 BTC |
| 1.6 XMR | 0.012862 BTC |
| 4.1 XMR | 0.032959 BTC |
| 8.2 XMR | 0.065918 BTC |
| BTC | XMR |
|---|---|
| 0.00066 BTC | 0.082101 XMR |
| 0.0013 BTC | 0.161715 XMR |
| 0.0033 BTC | 0.410509 XMR |
| 0.0066 BTC | 0.821019 XMR |
| 0.013 BTC | 1.6172 XMR |
| 0.033 BTC | 4.1051 XMR |
| 0.066 BTC | 8.2102 XMR |
| 0.13 BTC | 16.1716 XMR |
Each fits someone. Here's who.
| Route | ID | Who holds the coins | Fits when |
|---|---|---|---|
| This desk | None | You, until you send | You want bitcoin at a fresh address with no account in between |
| An exchange account | ID first | The exchange, under your name | You don't mind one company seeing both coins next to your passport |
| An atomic swap | None | Code on both chains | You'll run the software and can wait for a counterparty |
| Selling XMR to a person | None from a person | Escrow, on a venue that has it | You want cash or a bank payment back, not bitcoin how P2P escrow works |
At the market price on 5 Nov 2026, 16:05 UTC, 1 XMR was about 0.008039 BTC. Type any amount into the desk at the top: on Fast it shows the live amount that lands, everything taken out, before you send. On Stealth you see the market amount and our fee, 2% to 6%, on separate lines.
Monero locks new outputs for 10 blocks, about 20 minutes, for everyone. We count your deposit after those 10 blocks, then the mule trades and the bitcoin goes out.
Not on the chains. The XMR you send shows no sender or amount, and the BTC arrives from our payout address. What's left to protect is your new Bitcoin address: use a fresh one.
You can, but exchanges often hold or batch withdrawals, which slows the deposit. A wallet of your own is faster and keeps the exchange out of it.
$50 worth of XMR, about 0.081924 XMR at the market price on 5 Nov 2026, 16:05 UTC. The largest is $29,999.
Checked against getmonero.org, bitcoin.org; desk quotes read 4 Nov 2026, 00:52 UTC; market rate as shown above. Written by the team that runs the desk.
The way back, and other coins in and out of XMR and BTC.
