01
Tell Cambio what you want
Describe the swap in one sentence. The AI resolves both networks, quotes a live rate, and shows how that rate stacks up against the biggest exchanges before you commit to anything.
Swap XMR on Monero to BTC on Bitcoin. Better.
No bridge. No wrapped BTC. An ordinary XMR transfer on Monero, and a native payout on Bitcoin straight to your wallet.
EXCHANGE
Create an exchange
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
XMR → BTC
Live rateYou sendMonero
You getBitcoin
Destination
AIDo the same swap by just saying it: “Swap 0.2 XMR to BTC”→
How it works
Swap XMR to BTC in three steps.
No accounts, no waiting. Tell Cambio what you want, send your XMR, and the BTC lands in your wallet in under a minute.
02
Send XMR to the deposit address
Cambio generates a one-time deposit address on Monero. Send your XMR there — Monero typically confirms in about 20 minutes, and the card tracks every confirmation in real time.
03
BTC arrives on Bitcoin
After confirmation, Cambio settles BTC straight to your destination address on Bitcoin, which typically confirms in 10–60 minutes. The receipt card shows the completed payout and the transaction hash.
Live comparison
We compare the biggest exchanges on every quote — including when we lose.
XMR → BTC · Start a quote and the AI fetches real rates from the five biggest aggregators, side by side. No example numbers here — only live ones.
THIS CORRIDOR, IN NUMBERS
XMR on Monero → BTC on Bitcoin
What XMR → BTC actually costs
- You send 0.2 XMR on Monero.
- Cambio's commission is 0.35% of the amount, taken from the rate rather than added on top.
- Delivering BTC on Bitcoin costs 0.00000280 BTC.
- You receive 0.00115676 BTC.
- The smallest swap this corridor accepts is 0.00602 XMR — ten times the 0.00000280 BTC delivery fee, because below that the fee would take most of the BTC you receive.
Why this pair behaves the way it does
confirmations on Monero — the longest deposit wait Cambio supports.
XMR on Monero → BTC on Bitcoin, in numbers
| Minimum | 0.00602 XMR |
|---|---|
| Delivery fee | 0.00000280 BTC |
| Cambio commission | 0.35% |
| For 1 XMR on Monero | 0.0057838 BTC |
| For 1 BTC on Bitcoin | 172.896712 XMR |
| Smallest payout | 0.00003479 BTC |
| Delivery fee at the minimum | 8.05% |
What is the minimum for XMR → BTC on Bitcoin?
0.00602 XMR. The floor is set by what delivering BTC on Bitcoin costs — 0.00000280 BTC — and Cambio will not quote a swap where the delivery fee would take more than a tenth of the payout.
What delivery fee applies to BTC on Bitcoin?
0.00000280 BTC. It is charged at what the transfer actually costs on Bitcoin rather than marked up, and it is deducted before the figure you are shown — the number on this page is what lands in your wallet.
Is the XMR → BTC rate shown here the rate I get?
Yes, within the quote's window — the 0.35% commission and the 0.00000280 BTC delivery fee are already taken out of it, so the figure you see is what reaches your Bitcoin wallet.
The two coins
What you’re actually swapping.
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
XMR
Monero native
XMR is the native asset of Monero. Sending XMR is an ordinary native transfer — no token approval, no contract interaction. Monero typically confirms in about 20 minutes, and deposits are subaddresses of one wallet, so nothing here derives a per-user key.
- NetworkMonero
- Confirmations needed1
- Average block time~2-minute blocks
- Network fee profilelow network fees that vary with transaction size
BTC
Bitcoin native
BTC is the original settlement asset. Sending BTC is an ordinary native transfer — no token approval, no contract interaction. Bitcoin typically confirms in 10–60 minutes, and no contract address — BTC is the chain itself.
- NetworkBitcoin
- Confirmations needed1 (Cambio side, before payout)
- Typical payout confirmationtypically confirms in 10–60 minutes
- Payout network feepaid by Cambio out of the payout
What you need to know
Before you swap XMR to BTC on Bitcoin.
No bridge contract in this route. Cross-network swaps on Cambio never route through a bridge. Your XMR deposit stays an ordinary Monero transaction, and the BTC payout is an ordinary Bitcoin transaction. The two chains never exchange messages, so there is no bridge contract to trust and no wrapped representation of your asset.
Destination must be a Bitcoin address. The payout address you provide must be a Bitcoin address. Addresses from other networks will fail validation in the composer before anything is sent — Cambio checks the address family against the destination network so a mistake stops at the form, not on-chain.
The Bitcoin payout side sets the pace. Your Monero deposit typically confirms in about 20 minutes, but Bitcoin typically confirms in 10–60 minutes — that wait is Bitcoin block time, not Cambio processing. The payout transaction broadcasts as soon as your deposit confirms, and the card tracks it to its first confirmation.
The network fee on the payout side is on us. The Bitcoin network fee for delivering your BTC is paid out of the quoted amount — what the card shows as "you receive" is what actually arrives. No surprise deductions after the fact.
Per-swap cap: USD 1,000. Cambio’s launch window caps every swap at USD 1,000. Above the cap the request is refused outright rather than silently split — the card tells you before any deposit address is issued.
Screened before you send. Cambio runs its checks before a deposit address is ever issued. If a swap cannot complete, it never starts — there is no "funds under review" limbo after the fact.
Questions
XMR to BTC on Bitcoin — frequently asked.
Is this a bridge swap?
No. Your XMR goes to a Cambio deposit address on Monero as an ordinary transfer, and you receive BTC on Bitcoin as an ordinary Bitcoin transaction. No bridge contract, no wrapped assets, no cross-chain messages.
How long does the swap take?
The deposit side on Monero typically confirms in about 20 minutes; the payout on Bitcoin typically confirms in 10–60 minutes. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.
Do I need to verify my identity?
No account or sign-up is needed. Every swap is screened against sanctions and on-chain risk lists before a deposit address is issued; in line with applicable law and our risk-based AML policy, identity verification may be requested where screening flags elevated risk.
What is the maximum I can swap?
USD 1,000 per swap during the launch window, enforced before a deposit address is issued. The live card shows the exact minimum and maximum for this pair at the moment you quote.
Can I receive the BTC into an exchange account?
Yes — on the exchange’s deposit screen pick BTC and make sure the network is Bitcoin, then paste that deposit address into the Cambio composer as your destination. If the network on the exchange side doesn’t match, don’t send — ask the AI and it will walk you through it.
What makes Cambio better on this route?
Every quote ships with a live comparison against the biggest instant exchanges — including when we lose — and the number on the card is the number that settles. Pricing is chain-aware, the route has no bridge exposure, and screening happens before your deposit, never after.
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