No KYC · Non-custodial · Private

MATIC/XMR wallet exchange

ToSwap routes Polygon (MATIC) into Monero (XMR) on Monero mainnet as a one-shot wallet transfer — no signup, no KYC file, no hosted balance. Send MATIC yourself; after it confirms, XMR lands at the address you paste. Most orders wrap up in minutes.

    Start swap

    You Send
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    All fees included
    Estimated rate: -
    You Get
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    Three steps on ToSwap

    1. Set the MATIC amount and paste the Monero address that should collect payout on Monero mainnet.

    2. Tap Exchange to lock the live ToSwap quote and reveal this order’s deposit details.

    3. Send exactly that MATIC amount to the deposit. After Polygon mainnet confirms, XMR is pushed to your wallet.

    Before you broadcast

    • Polygon confirmations are usually fast — often within a minute.
    • Send MATIC on Polygon PoS mainnet only — not Ethereum or other L2s unless your order says otherwise.
    • Use a Polygon-compatible wallet and address (0x…). Leave enough MATIC for gas.
    • If XMR is late, refresh your wallet and re-check the order status. When a payout hash is already listed, email or SimpleX support with your Exchange ID — ToSwap has no login that can reopen expired pages.
    You send

    Polygon — low-cost EVM layer-2

    MATIC (POL) powers Polygon — fast EVM transfers, low fees, and wide DeFi and bridge liquidity.

    MATIC on Polygon mainnet

    Use a Polygon PoS wallet for deposits. Do not send MATIC on Ethereum mainnet — wrapped versions are different assets.

    Leave enough MATIC in your wallet to cover gas on top of the swap amount.

    You receive

    Monero on ToSwap — privacy by default

    XMR hides amounts and destinations on-chain. Prefer a fresh subaddress per ToSwap order; after payout, give your wallet time to scan before you assume the GUI is wrong.

    XMR payout not showing?

    Wait for wallet sync to complete — Monero often needs several minutes to reflect incoming outputs.

    If the order lists a payout tx but your synced wallet shows nothing, contact support.

    Receiving XMR with privacy intact

    Monero payouts use one-time addresses — your wallet must finish scanning recent blocks to display the balance.

    • Use a fresh subaddress for each swap rather than reusing old receive addresses.
    • Compare your wallet block height with a public explorer before assuming a payout failed.
    • Allow extra time after the order shows sent — privacy features can delay wallet display.

    Deposit checklist

    Chain mismatches and bad addresses are the usual failure modes — skim these notes before you fund the deposit.

    Sent crypto to the wrong network? Wrong chain sends often cannot be reversed — learn what to check first. Polygon (MATIC) deposit mistakes Polygon PoS tokens are not Ethereum mainnet tokens. Prove a Monero transaction you sent Verify an XMR payment when your wallet is still syncing. Deposit amount must match exactly Under- and over-payments can delay or fail automated crediting.

    How ToSwap works

    Asset hubs

    More anonymous no-KYC lanes and chain notes for each coin.

    MATIC Swap Polygon (MATIC) — no KYC hub XMR Swap Monero (XMR) — no KYC hub

    Other pairs on this route

    XMR → MATIC Instant Monero → Polygon: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → BTC Convert Polygon to Bitcoin with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → ETH Convert Polygon to Ethereum with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → USDT MATIC to USDT via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → USDT Instant Polygon → Tether: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → USDC Exchange MATIC for USDC without signup — privacy-first, non-custodial, fees shown before you send. MATIC → SOL Exchange MATIC for SOL without signup — privacy-first, non-custodial, fees shown before you send. MATIC → ZEC Exchange MATIC for ZEC without signup — privacy-first, non-custodial, fees shown before you send. MATIC → BNB MATIC to BNB via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → LTC Instant Polygon → Litecoin: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → XRP MATIC to XRP via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → TRX MATIC to TRX via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit.

    FAQ for this route

    Is KYC or a ToSwap account required for MATIC → XMR?

    No. ToSwap never opens a profile or asks for ID documents on a standard Polygon to Monero order. You stay non-custodial on both legs.

    How fast does XMR usually arrive?

    Many payouts leave within minutes after the Polygon mainnet deposit confirms. Congestion on Polygon mainnet or Monero mainnet can stretch that — fees and mempools set the clock, not a manual review.

    Does ToSwap hold my MATIC or XMR?

    No hosted balance. You broadcast MATIC from a wallet you control; XMR is paid only to the address you paste. Nothing sits under a ToSwap username.

    What if I send MATIC on the wrong network?

    Match Polygon mainnet exactly as printed on the order badge. A wrong-chain deposit often cannot be credited automatically — double-check before you broadcast.