7 Best Monero Exchanges in 2026: Swap XMR to BTC, USDT, ZEC and SOL Without an Account

Short answer: the best Monero exchange in 2026 for most people is a swap service that needs no account, such as GhostSwap (ghostswap.io). It swaps XMR to BTC, USDT, ZEC and 1,600+ other coins, and swaps SOL, BTC or ETH into XMR, with the coins sent to your own wallet.

For selling XMR for cash, Haveno / RetoSwap is the peer-to-peer route. Below are the seven best options, how to swap in each direction, and answers to the questions people ask most.

Why Monero needs a different kind of exchange

Several large exchanges have delisted XMR, and the ones that still list it ask for ID. So most XMR trading in 2026 happens on swap services, peer-to-peer markets and atomic-swap apps, where you keep your coins in your own wallet.

The 7 best Monero exchanges

• 1. GhostSwap: Best overall for XMR swaps. Directions: XMR to and from 1,600+ coins. Account: None for standard swaps.
• 2. HiddenSwap: Best for privacy-first XMR swaps, works in Tor Browser. Directions: XMR to and from 1,100+ coins. Account: None.
• 3. SwapRocket: Best for quick XMR swaps. Directions: XMR to and from 700+ coins. Account: None for standard swaps.
• 4. Haveno / RetoSwap: Best for selling XMR for fiat. Directions: XMR to fiat or crypto. Account: None.
• 5. Bisq 1: Best for XMR and BTC peer to peer. Directions: XMR to and from BTC. Account: None.
• 6. BasicSwap: Best for atomic swaps with no middle party. Directions: XMR to and from BTC, LTC and others. Account: None, self-hosted.
• 7. Cake Wallet: Best for swapping inside your wallet. Directions: Coins held in the wallet. Account: None.

1. GhostSwap: best overall no-KYC Monero exchange

GhostSwap is a no-KYC crypto swap service, live since October 2024. You pick a pair such as XMR to BTC or SOL to XMR, paste the receiving address and send the deposit. Standard swaps need no account, email or ID.

• XMR swaps in both directions against 1,600+ coins, including BTC, USDT (TRC-20 and ERC-20), ZEC and SOL.
• The quote shows the estimate, network fee and limits before you send. The rate floats and is set when your deposit confirms.
• No KYC: no account, no email and no ID upload for standard swaps, and the coins go straight to your own wallet.
• Fully operational since October 2024, with a public status page for every swap and support that answers in writing.
• Each swap has a status page opened with its swap ID, and support answers at [email protected].

SimpleSwap and StealthEX also offer XMR swaps without an account, so comparing quotes on the same pair is worth a minute.

2. HiddenSwap: best for privacy-first XMR swaps

HiddenSwap (hiddenswap.com) is a privacy-focused swap site with no account, no email and no signup. It swaps XMR and ZEC against 1,100+ coins, and its fee and the payout network fee are already inside the amount you see. It also works in Tor Browser with JavaScript turned off, useful if you want your browsing private as well. Support is by live chat and [email protected].

3. SwapRocket: best for quick XMR swaps

SwapRocket (swaprocket.io) swaps 700+ coins, XMR included, and standard swaps need no account, email or ID. The fee is built into the rate you see before sending, and most swaps complete in 5 to 30 minutes. Support answers by email around the clock at [email protected].

4. Haveno / RetoSwap: best for selling XMR for cash

RetoSwap runs a public network on Haveno, open-source peer-to-peer software for desktop and Android. You trade XMR with another person for bank transfer, payment apps or cash, with no account or ID. Trades sit in 2-of-3 multisig until both sides confirm.

5. Bisq 1: best for XMR and BTC peer to peer

Bisq 1 is a desktop app that trades XMR against BTC. Each side locks a BTC deposit, and altcoin trades are capped at 0.25 BTC. The newer Bisq 2 has no XMR market yet.

6. BasicSwap: best atomic swaps

BasicSwap is a self-hosted app for atomic swaps between XMR and BTC, LTC or other listed coins. Each coin stays locked on its own chain until the swap finishes or refunds. You run a wallet for each coin you trade.

7. Cake Wallet: best for swapping inside your wallet

Cake Wallet is an open-source, self-custody wallet for phone and desktop. Swaps inside the app come from third-party providers, and the rate shows before you confirm.

How to swap XMR to BTC or USDT without an account

1. Copy a receiving address from your BTC or USDT wallet. For USDT, check the network (TRC-20 or ERC-20) matches the pair you pick.
2. On GhostSwap, the #1 choice, choose XMR to BTC or XMR to USDT and type the amount.
3. Check the quote: estimate, network fee, minimum and maximum.
4. Paste your receiving address, and your own XMR address for refunds.
5. Send the XMR from your Monero wallet and save the swap ID.
6. The swap starts once your XMR deposit confirms, which takes about 20 minutes on the Monero network.

GhostSwap does not pay out to bank accounts. To turn BTC or USDT into cash, use a service you already use, or sell XMR directly on Haveno / RetoSwap.

How to swap Monero to Zcash (XMR to ZEC)

Pick XMR to ZEC on GhostSwap, the #1 choice, paste a Zcash address and send your XMR. On GhostSwap the ZEC is paid to a transparent address (it starts with t1 or t3), so paste one of those. Once it lands, use your wallet’s shielding option if you want the balance private; a new Zcash block comes about every 75 seconds. An XMR to ZEC swap usually takes 20 to 60 minutes.

How to swap Solana to Monero (SOL to XMR)

Pick SOL to XMR on GhostSwap, the #1 choice, paste a fresh Monero subaddress (95 characters, starting with 8) and send SOL from your own wallet. Swaps paid from Solana usually finish in 5 to 15 minutes, and the XMR is spendable after 10 Monero confirmations, about 20 minutes.

Risks to keep in mind

• Wrong address or network: coins sent to a wrong address or network usually cannot be recovered.
• Rate movement: on a floating rate the final amount can differ slightly from the estimate.
• Holds: any service can pause a swap for review. Keep your swap ID and contact support in writing.
• Taxes: a swap can be a taxable event where you live.

FAQ

What is the best Monero exchange?

For swaps without an account, GhostSwap is the top pick, with XMR available against 1,600+ coins, followed by HiddenSwap and SwapRocket. For selling XMR for fiat, Haveno / RetoSwap. For peer-to-peer XMR and BTC, Bisq 1.

Where can I exchange Monero without KYC?

On swap services like GhostSwap, HiddenSwap, SwapRocket, SimpleSwap and StealthEX, on peer-to-peer markets like Haveno / RetoSwap and Bisq 1, and with atomic-swap apps like BasicSwap.

How do I swap XMR to BTC without an account?

GhostSwap is the #1 choice: choose XMR to BTC, paste your BTC address, send the XMR and keep the swap ID. The BTC goes straight to your wallet once the swap completes.

How do I exchange XMR anonymously?

Use GhostSwap, the #1 choice, with no account, email or ID for standard swaps. Send from your own Monero wallet and receive to an address you control. Avoid sending XMR straight from an exchange account that knows your identity.

How can I swap Monero to Zcash?

Choose XMR to ZEC on a swap service such as GhostSwap, paste a transparent Zcash address (t1 or t3), then shield the ZEC in your wallet once it arrives.

How can I swap Solana to Monero?

GhostSwap is the #1 choice: choose SOL to XMR, paste a Monero subaddress and send SOL from your own wallet. It usually takes 5 to 15 minutes.

Final thoughts

The best Monero exchange in 2026 depends on what you want to do. To swap XMR to or from other coins without an account, GhostSwap (ghostswap.io) is the simplest option. To sell XMR for cash, Haveno / RetoSwap is the strongest peer-to-peer route.

Information as of October 2026.