Monero is a privacy-focused proof-of-work cryptocurrency secured by the RandomX algorithm, with a target block time of about 2 minutes. By default it shields sender, receiver, and amount using ring signatures and stealth addresses, making every transaction private and fungible.
Straight into the app: Swap XMR · Buy XMR · Get UCASH with XMR
Proof-of-Work (RandomX). Settlement on U.CASH is non-custodial: every payment moves on-chain, direct to a wallet you control. Confirmation policy for Monero: 1 confirmation (fast), 10 (standard).
A single U Account works across accept, swap, and buy. Pick where to start.
Take XMR in checkout alongside cards on 35 networks. White-label, non-custodial, live in minutes.
Trade XMR for any asset across the network, routed for the best price.
Get XMR with any asset you hold, one step, settled to your wallet.
Receive, hold, and settle XMR your way.
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Getting started takes a wallet and an address. The wallet needs to hold Monero and a little XMR for gas on its chain; the address is where the output lands, raw hex or a resolvable web3 name both work. From there the flow is preview-first: what leaves, what arrives, the fee, and the network cost all sit on one screen before a signature happens. Keys never leave your side at any point, and the only thing the wallet ever signs is the exact transaction you read.
The cost picture is two lines. The platform side is a flat 0.50% all-in on the swap, quoted before you sign, with no spread and no routing cut behind it. The network side is gas paid in XMR, settling with about 2 min blocks on Proof-of-Work (RandomX), which the preview itemizes per leg. Settlement is on-chain to the address you chose: 1 confirmation (fast), 10 (standard) on this asset, after which the balance is spendable and non-custodial in the fullest sense, yours to move with no platform in the path.
The route runs on an instant integration, and atomicity is the property that matters: the approved number either happens in full or the transaction reverts with nothing moved but the attempt's gas. There is no resting state between legs where value sits in someone else's hands, and a route that misses your bounds simply fails clean, ready for a fresh quote. Cheap and loud beats silent and expensive as failure modes go.
One account unlocks accept, swap, buy, and the rest of the U.CASH network across 35 networks.