How to Swap XMR to BTC Without KYC in 2026

Monero (XMR) is the leading privacy coin — but swapping it to Bitcoin (BTC) without handing over your identity can be tricky. Most centralized exchanges require KYC, freeze accounts, or have delisted XMR entirely.

In this guide we show you how to swap XMR to BTC in minutes using decentralized and non-custodial protocols — no account, no email, no ID required.

Which Protocols Support XMR → BTC?

As of 2026, these protocols support Monero swaps:

• THORChain — decentralized cross-chain liquidity, native XMR support
• Changee — instant non-custodial swap service, no account required, with Monero support

Chainflip and NEAR Intents do not currently support XMR.

Step-by-Step: Swap XMR to BTC on TokensFund

1. Go to tokensfund.xyz
2. Select XMR in the "You send" field
3. Select BTC in the "You receive" field
4. Enter your amount — the live estimated output updates automatically
5. Enter your Bitcoin destination address
6. Enter your Monero refund address (used only if the swap fails)
7. Click "Compare routes" — TokensFund fetches quotes from THORChain and Changee simultaneously
8. Pick the best rate and click "Swap"
9. Send your XMR to the one-time deposit address shown
10. Receive BTC at your wallet automatically — no further action needed

Why Use TokensFund?

• ✅ Compares multiple protocols in one click — always get the best rate
• ✅ Non-custodial — funds go directly between wallets
• ✅ No account, no email, no KYC
• ✅ Automatic refund if swap fails
• ✅ Works for XMR → BTC, BTC → XMR, and 50+ other pairs

Is It Safe?

TokensFund never holds your funds. When you swap, you send directly to a one-time deposit address generated by the underlying protocol (THORChain or Changee). If anything goes wrong, your funds are automatically returned to your refund address.

XMR to BTC Fees

Fees vary by protocol and network conditions. THORChain charges a liquidity fee based on pool depth, typically 0.1–0.3%. Changee's rate includes a spread that varies by pair and market conditions. TokensFund shows you both quotes so you always pick the cheapest option.