How to swap Bitcoin to Monero without an account

What you need

Two things: the Bitcoin you want to swap, in a wallet you control or on an exchange account you can withdraw from, and a Monero wallet that gives you an address to receive the XMR. You do not need an account on foldoy, and you do not need one at the exchange that does the swap.

Any wallet that holds its own Monero keys works. Feather Wallet on a computer, Cake Wallet on a phone or the official Monero GUI wallet are common choices. Write down the wallet's seed words before you receive anything, since they are the only way back in if the device is lost.

Monero addresses are long, 95 characters for a normal one. A primary address starts with 4 and a subaddress starts with 8. Most wallets can make a fresh subaddress with one click, and using a new one for each swap keeps your swaps apart from each other in your own records.

Step 1: open the swap and enter the amount

Go to the BTC to XMR page. Type how much Bitcoin you want to send. The box asks the exchanges for a rate as you type and shows how much XMR you would get, the rate per bitcoin, and which exchange it comes from. It asks every exchange that serves your country and shows the one that pays out the most.

Each exchange has a smallest and a largest amount it takes. The pair page lists them from the last check, and the box tells you if your amount is outside a limit.

Step 2: give your Monero address

Paste your Monero address into "Receive at". Copy and paste it rather than typing it, and compare the first and last few characters with your wallet. The exchange sends the XMR to this address and nowhere else, and a Monero payment to the wrong address cannot be reversed.

The refund address is optional. It is a Bitcoin address of yours, and if the exchange cannot complete the swap, it sends your Bitcoin back there. Without one you would need to give it to the exchange's support later.

Step 3: press Swap

The swap opens with the exchange whose rate you saw. If that exchange's terms ask for a notice before every order, the notice appears above the button with a link to its rules. Read it: the exchange's own terms apply to the swap.

The next page shows the deposit address, the exact amount of Bitcoin to send, a QR code and a trade ID. The deposit address belongs to the exchange and is made for this order only. Keep the page open or save its link, since the link is your record of the trade.

Step 4: send the Bitcoin

Send the amount shown, in one transaction, to the deposit address shown. From a wallet of your own, scan the QR code or paste the address, and pay a normal network fee so the transaction confirms in the next block or two. A very low fee can leave the deposit waiting for hours.

If you send from an exchange account, check whether it takes its withdrawal fee out of the amount you enter. The rate on foldoy is a floating rate, so the exchange works from what actually arrives, and a little less still swaps. An amount below the exchange's minimum cannot be swapped at all, and getting it back is up to that exchange's support.

Step 5: wait for the swap

The trade page updates by itself and shows each stage: waiting for your Bitcoin, confirming, exchanging, sending, and finished. Bitcoin adds a block about every 10 minutes, and the exchange starts once it counts your deposit as confirmed, which takes at least one block. It then sends the XMR. Monero adds a block about every 2 minutes, so the payment shows in your wallet soon after it is sent, and your wallet lets you spend it after 10 blocks, about 20 minutes.

Most of the waiting is the first Bitcoin confirmation. When we checked on 6 November 2026, ChangeNOW expected 10 to 60 minutes for this swap from start to finish. A busy Bitcoin network or a low fee makes it longer.

What it costs

The amount of XMR in the box already has the fees taken out: the exchange's own fee, our fee of 0.4%, and the exchange's cost of sending the Monero to you. ChangeNOW, for example, counted 0.009 XMR for that last part on 6 November 2026. The one fee you pay on top is the Bitcoin network fee when you send.

The rate floats. What you get is the rate at the moment the exchange swaps your deposit, which can be a little higher or lower than the estimate you saw. Fixed vs floating rate swaps explains the difference and why foldoy uses floating rates.

What the exchange and foldoy see

Bitcoin transactions are public, so anyone can see that a payment went from your wallet to the exchange's deposit address. Monero transactions hide the sender, the receiver and the amount on the Monero chain. The exchange in the middle sees both: the Bitcoin it received and the Monero address it paid.

foldoy keeps a record of each order: both addresses and the exchange's trade ID, plus the IP address, browser and language the order came from, which are deleted after a year. Some exchanges require their partners to keep these. The privacy page lists what is kept and why. foldoy never receives or holds the coins.

ID checks

No account means nobody asks for your name before the swap. Exchanges still run their own checks on deposits and addresses. If a check flags a swap, the exchange can hold it and ask for ID or for the source of the coins before it pays out or refunds. Their terms say when this happens. If it does, you deal with the exchange directly, using the trade ID from your trade page.

In the US

ChangeNOW, SimpleSwap and FixedFloat do not serve the US. In the US the swap box gets its rate from StealthEX, which does, and the swap runs on this page in the same steps. StealthEX's terms apply to it.

If something goes wrong

• The page still says waiting after an hour: check your Bitcoin transaction in a block explorer. If it has no confirmation yet, the fee was low and it is waiting for a block.
• It says finished but your wallet shows nothing: let the wallet finish syncing. Monero wallets scan the chain for payments to them, and a wallet that was offline needs a few minutes.
• The swap is held or refunded: contact the exchange named on the trade page, with the trade ID.
• Anything about the page itself: write to support@foldoy.com.

Going the other way is the same process in reverse: the XMR to BTC page takes Monero and pays out Bitcoin, and the LTC to XMR page works the same way for Litecoin, whose blocks come every 2.5 minutes.