Cake Wallet
iOS · Android
The easiest Monero wallet. Built-in swap lets you convert BTC, ETH, or USDT directly to XMR inside the app. Open source.
download cake wallet →// open source · non-custodial
// how to get xmr
Monero is the only cryptocurrency where every transaction is private by default. To pay with XMR you need a wallet and some coins. Here's how to get both — without giving anyone your ID.
// 01 — get a wallet first
iOS · Android
The easiest Monero wallet. Built-in swap lets you convert BTC, ETH, or USDT directly to XMR inside the app. Open source.
download cake wallet →// open source · non-custodial
Windows · macOS · Linux
Lightweight desktop wallet. Privacy-focused, works great over Tor, no bloat. Ideal if you use a computer more than a phone.
download feather →// open source · tor compatible
Windows · macOS · Linux
The official wallet from the Monero project. Full node support. Best for merchants who want to run their own infrastructure.
download gui wallet →// official · full node optional
// after installing: write down your 25-word seed phrase on paper. this is your backup. never take a photo of it. never share it.
// 02 — get some xmr
The fastest path. Swap directly to XMR in minutes with no account required.
Open Cake Wallet → tap Exchange → select BTC or ETH as source → XMR as destination → swap directly into your XMR wallet. Done. ~5 minutes.
trocador.app compares 10+ swap services and picks the best rate automatically. No account. No KYC. Paste your XMR address and send your BTC/ETH.
Fixed and floating rate swaps. Also accessible via Tor hidden service for maximum privacy.
Peer-to-peer platforms let you buy XMR directly from other people. No exchange account. No KYC in most cases.
Fully decentralised P2P exchange. Buy XMR with cash, bank transfer, or other payment methods. No custodian. Open source and community-run.
Established P2P platform for Bitcoin. Buy BTC first with no KYC, then swap to XMR via Cake Wallet or Trocador.
// peer-to-peer takes longer than swaps but gives you more privacy on the fiat → crypto side of the transaction.
Some centralised exchanges still list XMR. Check if yours supports it — then withdraw to your own wallet immediately after buying.
· Kraken (most countries)
· KuCoin (international)
· TradeOgre (no KYC, small volume)
// always withdraw XMR to your own wallet immediately. never leave XMR on an exchange. exchanges have delisted XMR without warning in the past — Binance removed it in 2024.
// 03 — pay with xmr
When you reach a lolipop checkout page, you'll see a QR code and an XMR address.
In Cake Wallet: tap Send → scan QR code → the amount pre-fills automatically → send.
In any other wallet: tap Send → paste the address → enter the exact XMR amount shown → send.
Payment confirms in ~2 minutes (1 block). The merchant's system gets notified automatically. No receipt needed.
// always send the EXACT amount shown. sending a different amount may cause your payment to be flagged as underpaid.
// quick answers
Yes, in most countries. Monero is a cryptocurrency like Bitcoin — holding and spending it is legal in the EU, US, UK, and most jurisdictions. Check your local laws if you're unsure. A few exchanges have delisted it due to regulatory pressure, but owning and using Monero is not illegal.
Typically 1-2 minutes for the payment to appear, and ~20 minutes for full confirmation (10 blocks). Most merchants accept payment after 10 confirmations. The lolipop checkout page updates automatically.
Contact the merchant directly. Monero transactions are irreversible — lolipop cannot reverse them. If you underpay, the order may not confirm automatically. Always double-check the amount before sending.
// are you a merchant?
Accept XMR payments on your site with one API call.
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