NEAR → XMR

sort by

rate type

Floating Fixed

Market-rate quotes (may change before execution).

root@notkyc:~$ rates cached for everyone · ttl 60s · 3s

#	Exchange	Score	No-KYC record?	Rate	You receive (1 NEAR)	Limits (NEAR)
1	OctoSwap BEST	A priv 87trust 70	// no on-platform swaps yet	1 NEAR = 0.006217 XMR	0.006217 XMR	min 3451.33616 · max 591657.627453	swap on notkyc	swap on OctoSwap →
2	XMRS	C priv 61trust 71	6/6 KYC-free	1 NEAR = 0.0061 XMR	0.0061 XMR	min 49.3339 · max 493339.9111	swap on notkyc	swap on XMRS →

OctoSwap BEST A

Rate1 NEAR = 0.006217 XMR

You receive0.006217 XMR

Limitsmin 3451.33616 · max 591657.627453 NEAR

swap on notkyc swap on OctoSwap →

XMRS C

Rate1 NEAR = 0.0061 XMR

You receive0.0061 XMR

Limitsmin 49.3339 · max 493339.9111 NEAR

swap on notkyc swap on XMRS →

Swapping NEAR to XMR is a common exit path for users who want to convert from a fast, cheap-to-move L1 token into a privacy coin where on-chain analysis breaks down. NEAR settles in 1-2 seconds with sub-cent fees, making it efficient to move into a swap, while Monero's ring signatures, stealth addresses and RingCT obscure the destination. No-KYC routing keeps the entire path off identity registries.

// about this pair

NEAR -> XMR: what makes this pair specific

NEAR Protocol uses Nightshade sharding and finalizes blocks in roughly 1.2 seconds, with fees typically under $0.01. That means deposit confirmation on the NEAR leg is fast and cheap - aggregators usually require only a couple of confirmations before triggering the XMR payout. Monero's side is slower: blocks land every 2 minutes, and most services wait for 10-12 confirmations (around 20 minutes) before treating the payout as final. End-to-end you should plan for 25-40 minutes, dominated by the XMR confirmation window, not NEAR.

Liquidity for NEAR/XMR is thinner than BTC/XMR or ETH/XMR, so floating rates can drift more between quote and execution. NEAR is also a single-network asset (no wrapped variants to confuse), which removes the usual network-selection footgun - but XMR has no token standard at all, only its native chain, so any service offering 'XMR on BSC' or similar wrappers should be ignored if your goal is actual privacy.

Choosing a route and sizing the swap

Prefer fixed-rate quotes for amounts over a few hundred dollars - NEAR/XMR order books are shallow and floating rates can slip 1-3%.
Check the min/max carefully: XMR liquidity caps tend to be lower than majors, often around 50-100 XMR per single swap.
Verify the refund address field accepts a NEAR named account (e.g. yourname.near) as well as implicit 64-char addresses.
Confirm the rate-lock window covers the full XMR confirmation time, not just NEAR's.

Practical tips: send a small test amount first if you're moving a meaningful balance; generate a fresh Monero subaddress per swap so the receiving wallet stays compartmentalized; avoid swapping directly from an exchange withdrawal that's tied to your identity - hop through a self-custodied NEAR wallet first. Time swaps during higher-liquidity hours (US/EU overlap) for tighter spreads.

// FAQ

How long does a NEAR to XMR swap actually take?

NEAR deposits confirm in seconds, but the bottleneck is Monero's payout. Most services wait for 10-12 XMR confirmations at 2 minutes each, so expect 20-30 minutes from deposit detection to spendable XMR. Total wall-clock time is usually 25-40 minutes including processing.

Is the XMR I receive actually private if I swapped from NEAR?

Yes, once XMR lands in your wallet it benefits from ring signatures, stealth addresses and RingCT regardless of origin. However, the NEAR -> swap-service deposit is fully transparent on NEAR's chain, so anyone analyzing your NEAR wallet can see you sent funds to a known swap address. Use a clean NEAR wallet for the deposit if that linkage matters.

Fixed rate or floating rate for this pair?

Fixed is usually safer for NEAR -> XMR because XMR liquidity is thinner and rates can move during the 20+ minute confirmation window. Floating gives you the live rate at execution but exposes you to slippage. For amounts under ~$200, the spread difference rarely matters; above that, fixed is generally worth the small premium.

What's the minimum NEAR I can swap to XMR?

Minimums vary per service but typically sit around 5-15 NEAR (roughly $15-50 depending on price), driven by Monero's network fee and the service's processing overhead. Maximums are usually capped by available XMR liquidity, often in the 50-100 XMR range per single transaction. Check the live table for current limits.

Do I need a Monero wallet before starting?

Yes. You need a valid XMR receiving address before initiating the swap - services do not custody XMR for you. Use Monero GUI/CLI, Feather, Cake, or Monerujo. Generate a fresh subaddress for the swap so the deposit is isolated from other funds in the same wallet.

Can the swap fail or get stuck mid-flight?

Rare but possible. If NEAR arrives outside the rate-lock window or below the minimum, most services either auto-refund to a refund address you provided or quote a new rate you can accept or reject. Always set a NEAR refund address during the order - without one, recovery on a failed swap becomes a manual support process.

// related