ZEC to XMR

ZEC to XMR: swap Zcash to Monero without KYC

Swap Zcash for Monero at a live orderbook rate, with no account and no identity check. You send ZEC to the deposit address created for your order, and about 10 minutes later the XMR is at the Monero address you gave.

The Wagyu fee is 2% because Monero is the destination, and the quote shows it before you send.

Live rate: 1 ZEC ≈ 1.7634 XMR

Quote updated Oct 27, 2026, 5:12 PM UTC. Refreshes every 10 minutes; fees and minimums below use this snapshot.

Fee and minimum snapshot for 1 ZEC on the default network. Check the widget for your selected amount and network.

Fee

Minimum

$20

Typical time

About 10 min

ZEC to XMR measured median execution: 21.5 min across 12 completed swaps in the 30 days ending Oct 27, 2026, 5:11 PM UTC. Measured from deposit detection to the final recorded workflow step; excludes the wait before sending and wallet unlock time. Fewer than 30 swaps back it, so the typical estimate above stands.

Where you send your ZEC from

The order gives you a Zcash deposit address. Pay it from any Zcash wallet, shielded or transparent. If your ZEC sits in a shielded wallet such as Zodl, Ywallet or Zingo, send from the shielded balance like any other payment. If a refund is ever needed, the order moves to a refund state and asks you for a Zcash refund address then.

How the ZEC to XMR swap works

1. Enter the amount and your Monero address

The quote shows the XMR you can expect, the 2% fee and the minimum, which is about $20.

2. Send ZEC to the deposit address

Compliance screening runs before the swap. A deposit that fails screening is refunded: the order moves to a refund state and asks you for a refund address. Nothing is held.

3. Wagyu executes on the orderbook

4. Receive XMR at your address

About 10 minutes end to end on the default network (typical estimate).

Fees, minimum and time for this route

Wagyu fee: 2% for this route. The quote also shows applicable routing, trading and rounding costs. Your deposit transaction network fee is paid separately. The final output can change with the market during execution.
Minimum: about $20 on the default network. Another network or amount can change the quote.
Time: about 10 minutes from deposit detection to completion on the default network. Confirmations and large orders executed in slices can take longer. This is the typical estimate.

Times are approximate for the default network, from deposit detection to swap completion. Confirmations, order size and your selected network can change the timing. XMR can appear in your wallet before it becomes spendable.

Before you send

Have your Monero receiving address ready. A standard address starts with 4, a subaddress with 8; both work.
Send from any Zcash wallet, shielded or transparent, once the ZEC you send is confirmed in it.
Send the exact amount shown in the order, in one transaction, and save the order link and its private session key.
Check the address bar. The only official domain is wagyu.xyz.

Which Monero wallet to use

Wagyu sends XMR to an address you control, so you need a Monero wallet before you start. On desktop, Feather Wallet is light and quick to set up, and the official Monero GUI can run a full node if you want one. On mobile, Cake Wallet (iOS and Android) and Monerujo (Android) are the common choices. Write down the seed phrase, then copy a receiving address into the swap form. Incoming XMR shows up within minutes; Monero makes it spendable after 10 confirmations, about 20 minutes.

Three ways to get XMR without an account

Three ways to get XMR without an account
Way	How fast	What it costs	What you need
Instant swap (this page)	about 10 minutes from ZEC	2% Wagyu fee on routes into XMR	a Monero address
Peer-to-peer market	depends on the other party	set by the seller	a counterparty and an escrow
Atomic swap	slower, both chains must confirm	network fees and the maker's spread	the tools mostly cover BTC and XMR, so you convert your ZEC first

Large exchanges are not on this list: they ask for ID, and several have delisted Monero.

Why swap ZEC to XMR on Wagyu

Zcash gives you optional privacy and exchange access. Monero gives you privacy on every transaction, with no transparent side at all. People rebalance between the two after a price move, or move ZEC bought on an exchange into a coin that has no public ledger to leak from. Doing it on Wagyu avoids a custodial account in the middle and a withdrawal review at the end, and the whole order is followed from one page with no login.

Frequently asked questions

What is the fee for ZEC to XMR?

The Wagyu fee is 2% on this route. The quote shows applicable routing, trading and rounding costs before you send. Your deposit network fee is separate, and the final output can change during execution.

Can I pay the deposit from a shielded wallet?

Yes. The deposit address is a normal Zcash payment destination; send from your shielded balance in any wallet that holds shielded ZEC.

How long does it take?

Typically about 10 minutes from deposit detection on the default network. This is the typical estimate; confirmations, order size and network conditions can change the timing. The widget shows the estimate for your actual swap.

Do I need an account or KYC?

No. Paste a Monero address, send ZEC, receive XMR. Compliance screening runs before the swap; a deposit that fails screening is refunded, not held — the order asks you for a refund address.

What is the minimum?

About $20 on the default network for this route. Check the quote for your selected network and amount before sending.

Can I go the other way?

Yes, the Monero to Zcash page pays ZEC to your shielded u1 address with its own fee shown in the quote.

Do I need a Monero wallet first?

Yes. Wagyu sends XMR to the address you enter, so create a wallet first (see "Which Monero wallet to use") and paste its receiving address. Wagyu never holds your coins.

Is the rate fixed or floating?

Floating. The quote is an estimate and the deposit amount is exact. The XMR you receive follows the orderbook during execution; large amounts are executed in slices to keep slippage low.

Why can my wallet not spend the XMR yet?

Monero makes incoming funds spendable after 10 confirmations, about 20 minutes. The XMR shows up in your wallet before that.

What if I send the wrong amount?

Send the exact amount shown in the order. If the deposit differs or a route is unavailable, the order moves to a refund state and asks you for a refund address.

Data: Wagyu public API (quotes and 30-day route medians). Page updated 21 October 2026.