To cash out Monero without KYC, swap your XMR for a coin that more wallets and services accept, such as Bitcoin, USDT on Tron or Litecoin, and receive it in a wallet you control. On HiddenSwap this takes no account, no email and no ID. HiddenSwap is crypto to crypto only. It takes no card or bank payments, and it cannot pay out to a bank account or a card.

HiddenSwap is an anonymous crypto exchange: the swap needs no account, no email and no ID, and swap records keep no name and no IP address. BTC, LTC and USDT on Tron sit on public chains, so give a new payout address to keep the payout apart from your older activity.

Why fewer places list XMR

Since January 2024, several large exchanges have removed XMR in some or all regions. They gave reasons such as their listing criteria or a regular review of the assets they list. Our Monero (XMR) exchange page lists the dated changes.

Monero hides the sender, the receiver and the amount of every transaction by default. Every Bitcoin transaction, by contrast, is public and can be traced. So the history a platform can read on the Bitcoin chain is not there to read on Monero.

A delisting changes where you can swap XMR. It does not change how the Monero network works, and XMR in your own wallet stays yours to move.

Step 1: swap XMR to BTC, USDT or LTC

Pick the coin that your next wallet, person or service accepts. The routes work the same way. Only the chain your new coins land on differs.

Monero to Bitcoin

Bitcoin payments stay visible on the Bitcoin chain, so ask your wallet for a new receive address for this swap. The payout is an on-chain transaction, so a Lightning invoice cannot receive it. Our Monero to Bitcoin swap page covers Bitcoin address types and what to check on both sides.

Monero to USDT on Tron

Tether pegs USDT to the US dollar, so its value is meant to stay steady. The payout is USDT on the Tron network (TRC-20), sent to an address that starts with T. Tron is a public chain too. Tether’s terms let it freeze USDT, and moving USDT on Tron later needs TRX or staked resources for the network fee. Our Monero to USDT (TRC-20) swap page explains both points, and our USDT network guide compares Tron with Ethereum.

Monero to Litecoin

Litecoin works much like Bitcoin, with shorter gaps between blocks. It targets one block every 2.5 minutes. Give a payout address that starts with ltc1q, L or M. The swap form does not accept Taproot (ltc1p) or MWEB addresses. Our Monero to Litecoin swap page explains why an address that starts with 3 needs a second look.

How the swap works

  1. Choose XMR as the coin you send, and BTC, USDT (TRC-20) or LTC as the coin you get.
  2. Paste the payout address from your own wallet. Compare the first and last characters.
  3. Add a refund address from your own Monero wallet. A Monero payment does not show the address it came from, so this is the only way back if the swap cannot finish.
  4. Choose a floating or a fixed rate. The swap box shows the amount you get, with every fee taken off, before you send.
  5. Send the exact amount to the deposit address in one transaction. Save your order ID.
  6. Follow the order page until the new coins arrive.

Your new coins are sent after your deposit is credited. Until then, the order page shows where the swap stands.

Step 2: what you can do with the new coins

Our part ends when the new coins reach your address. These are the common next steps, each with its own rules and risks.

  • Keep them in your own wallet. You hold the keys, so nobody else can move the coins. Back up the recovery phrase and never share it.
  • Pay someone directly. Some shops and people accept BTC, LTC or USDT, and some accept XMR, so you may not need to swap at all. Check a seller before you pay.
  • Move them to a platform with an account. Many of these can turn crypto into your local currency. They usually ask for an ID when you open the account. Check which network its deposit page shows before you send, and keep your order ID and the transaction IDs of your swap as your own record.
  • Trade directly with a person. Nobody can reverse a mistake or step in if the other side does not deliver, and the other person may learn who you are. Deal only with people you trust. HiddenSwap does not arrange trades between people.

Fees and timing

The exchange spread and our fee are inside the rate. The payout fee covers the blockchain fee for sending your new coins and is taken from the amount you get. There is no separate service charge. Our fees page explains each part.

Your Monero wallet pays the network fee for your deposit. Send all in the GUI wallet sends your whole unlocked balance and takes the fee out of it, so the deposit is a little less than the balance you saw. A fixed rate expects the exact amount shown, so plan for the fee or choose a floating rate.

A floating rate follows the market until the network confirms your deposit, so the amount can move a little. Each swap page shows our latest recorded quote, the limits and the payout fee, with the date.

The wait has three parts:

  1. Your XMR must be unlocked. Newly received XMR needs 10 confirmations before you can send it. A Monero block comes about every 2 minutes, so this takes about 20 minutes.
  2. Your deposit must be credited. This takes a number of Monero confirmations, and the order page shows each step.
  3. The payout must reach your wallet. Bitcoin adds a block about every 10 minutes on average, but finding a block is random, so one confirmation can take longer. Litecoin targets 2.5 minutes. Tron makes a block every 3 seconds, and a block is usually final in about 1 minute.

These are network norms, not promises. Our how it works page shows the steps of a swap.

Track your swap

Your order ID is the only key to your swap. Save it before you send, because there is no account to recover it from. You can find the swap again on the track page.

The order page shows each step, from your deposit to the payout. A deposit can take a few minutes to show after you send it, so do not send again. Your wallet’s transaction list shows the transaction ID of your deposit. Keep it next to your order ID. If your wallet shows the deposit as confirmed but the order page still does not show it, contact support with both.

Once the payout is sent, your new wallet shows it as incoming. On Bitcoin, Litecoin and Tron, you can also paste your payout address into a block explorer and watch the confirmations. A Monero explorer cannot do this for your deposit, because Monero hides the amount and the receiver.

Refunds and the refund address

If a swap cannot finish, your XMR is sent back. A refund goes to the refund address you gave. A Monero payment does not show the address it came from, so without a refund address there is no way back. Add one from your own Monero wallet every time, before you send.

A new subaddress from the wallet you send from is a good choice. Paste it in full and compare the start and the end, just as you do with the payout address.

Network fees are taken from a refund. A deposit below the minimum may not be refunded, and it cannot be when it is smaller than the network fee. Our refunds page has the full rules.

Keep your privacy after the swap

Payments on Bitcoin, Litecoin and Tron stay visible on those chains, so these habits keep your payout apart from your name and your older activity:

  • Use a new payout address. Bitcoin.org advises a new address for each payment you receive. Reusing an address joins your histories together.
  • Receive in a wallet you control. A service where you have an account knows which address it paid or was paid by.
  • Watch your IP address. A remote Monero node can see the IP address your deposit comes from. Your own node, or one reached over Tor, reduces this.

Our guide Is Monero traceable? has more privacy habits.

Mistakes to avoid

  • Sending from an exchange account. A refund may not reach you, and you cannot control the fee or the timing of the withdrawal. Send from your own wallet.
  • Sending XMR that is still locked. Newly received XMR needs 10 confirmations before your wallet can send it. Wait for it to unlock before you start the swap, so a fixed rate does not run out.
  • Choosing the wrong USDT network. On this route the USDT payout is on Tron. Give a Tron address that starts with T.
  • Splitting the deposit or sending twice. Send the exact amount in one transaction. Never send to the deposit address of an old order.
  • Trusting a copy of the site. The only official website is hiddenswap.com. We never ask for your seed phrase or private keys.
  • Reusing a payout address. Give a new address for each swap, as the privacy section above explains.

Quick answers

How can I cash out Monero? Swap your XMR to a coin that your next wallet or service accepts, such as BTC, USDT on Tron or LTC, and receive it at your own address. HiddenSwap only swaps coins for other coins. It does not pay out to a bank account or a card.

How long does it take to cash out XMR? First your XMR must be unlocked. Then your deposit needs its Monero confirmations, and the payout needs confirmations on its own chain. The order page shows each step, and the fees and timing section above gives the network norms.

Can HiddenSwap send the money to my bank? No. HiddenSwap swaps coins for other coins and pays out only to a crypto address. To end up with your local currency, you need a service that pays out to a bank, and most of those ask for an ID when you open an account.

All guides