MoneroP2PBuy Monero (XMR): P2P with cash or bank, with USDT or other crypto, no KYC
Short answer: to buy Monero (XMR) without KYC on MoneroP2P you have three paths. If you pay with dollars, euros or another local currency, use the P2P Fiat market. If you hold USDT, use the non-custodial atomic swap. If you hold BTC, ETH or other crypto, compare instant-exchange quotes in the same app. None of them asks for an ID-verified account.
Three ways to buy XMR
| P2P Fiat | USDT → XMR swap | Crypto swaps | |
|---|---|---|---|
| You pay with | Local currency (USD, EUR, MXN, BRL, INR…) | USDT on Arbitrum One | BTC, ETH, LTC, USDT and 2,500+ coins |
| How | Person to person, with a 2-of-3 multisig escrow | Atomic swap: a contract and your browser | Instant exchange via Trocador |
| Custody | Nobody alone: 2 of 3 signatures | Non-custodial | The exchange, during the swap |
| Fee | Buying: 0%. The seller pays 0.5% | 0.5% (paid by the maker) + gas | The exchange’s (included in the quote) |
| Limit | 1000 USD per order | 100 USDT per swap | Depends on the exchange |
| Start here | Open P2P Fiat | Swap USDT | Swap BTC |
1. Buy Monero P2P with local currency
The option for people with money in the bank or in cash and no crypto yet. It works like LocalMonero, which shut down in 2024, except the platform never holds the XMR:
- Open P2P Fiat and pick your currency and payment method.
- Take an ad from an online seller. The seller deposits the XMR into a 2-of-3 multisig escrow.
- After 10 confirmations (~20 min) the chat and payment details unlock. Pay and mark “I have paid”.
- The seller confirms and the XMR lands in your wallet. If there is a problem, support settles the appeal using the proofs.
Guides by method: Zelle, SEPA, Wise, Revolut, Interac, UPI, cash. By country: the United States, Spain, Mexico, Brazil, and more.
2. Swap USDT for Monero without intermediaries
If you already hold USDT on Arbitrum One, the atomic swap is the non-custodial option: your USDT sits in a contract that only pays the maker once you can take the XMR. If anything fails, the contract refunds you. Up to 100 USDT per swap. More in how to swap USDT for Monero.
3. Swap Bitcoin or other crypto for Monero
With BTC, ETH, LTC, SOL or any of 2,500+ coins, the app shows instant-exchange quotes sorted by how much XMR you get, only from exchanges rated KYC A or B. Here the exchange does hold your funds during the swap (usually 10 to 60 minutes).
Tips to buy XMR safely
- Use your own wallet (how to create one) and never leave XMR on an exchange.
- On P2P, never pay before the XMR is in escrow. Anyone asking you to pay off-platform is a scammer.
- Check the address before sending: crypto transactions cannot be reversed. See common mistakes.
- Start with a small amount the first time.
FAQ
Where can I buy Monero without KYC?
On MoneroP2P: P2P Fiat with local currency, the non-custodial USDT swap or instant exchanges rated KYC A or B.
How do I buy Monero with dollars, euros or cash?
With P2P Fiat: you pay by bank transfer, Zelle, SEPA, Wise, Revolut or cash once the seller’s XMR is in escrow.
What is the cheapest way?
If you hold USDT on Arbitrum, the atomic swap (0.5% paid by the maker, plus gas). On P2P Fiat buying is free; each seller sets the price.
What happened to LocalMonero?
It shut down in 2024. P2P Fiat covers the same use, with the XMR in a 2-of-3 multisig instead of held by the platform.
Do I need a Monero wallet?
Yes, the XMR goes to your own address. You can create one for free with Cake Wallet, Feather or the official wallet.
Are there limits?
P2P Fiat: 1000 USD per order. USDT swap: 100 USDT per swap. Exchanges have their own minimums.
Before buying, read the risk notice. New to Monero? Start with this guide.