XMR

Top up your card with XMR

Top up with Monero (XMR) for end-to-end privacy. Untraceable funding source, no-KYC card, anonymous spending — the strongest privacy chain we support.

All coins
XMR
Ticker
XMR
Settlement speed
~20 minutes (10 confirmations)
Network fee
<$0.01 (XMR network fee)
Minimum
$5

Monero is the most-private cryptocurrency in mainstream use. Transaction amounts are hidden by Confidential Transactions, sender and receiver are obscured by ring signatures and stealth addresses. Combined with CryptoCardy's no-KYC issuance, Monero gives you the cleanest possible payment chain: from funding source to spending action, no identity link anywhere.

Why Monero specifically

Most cryptocurrencies (BTC, ETH, USDT) are pseudonymous, not anonymous. Once a chain analysis firm links your wallet to an exchange withdrawal (which they will if your exchange did KYC on you), every transaction you make is traceable back to your identity.

Monero breaks this. The chain itself is opaque. Even if our deposit address were known to a chain-analysis firm, they cannot tell that you sent to it, how much you sent, or where the funds came from. Combined with our no-KYC issuance, the resulting card has no identity trail at any layer.

If your threat model includes nation-state-level surveillance or aggressive chain analysis, Monero is the only crypto we offer that meaningfully defends against it.

Step by step

  1. In the dashboard, click Deposit and pick Monero (XMR).
  2. The dashboard shows a Monero deposit address. Send your XMR from any wallet (official GUI, CLI, Cake Wallet, Monerujo).
  3. Wait for 10 confirmations (~20 minutes at 2-minute block time). Once confirmed, your account balance updates.
  4. Issue a card from the dashboard. The card itself works like any Visa or Mastercard — Monero is invisible to the merchant; it was just the funding source.

Funding sources for Monero

Get XMR without KYC:

For maximum privacy, the funding-source step matters as much as the spending-side. Sourcing XMR from a KYC'd exchange means the exchange has a record of "you withdrew X XMR" — even though the chain doesn't reveal where it went next.

Frequently asked

Frequently asked questions

Why 10 confirmations on Monero?

Monero's consensus model favours strong finality at the cost of speed. 10 confirmations is the safe-spend threshold; it takes ~20 minutes at 2-minute blocks.

Can you trace my Monero deposit?

No. We see the credit hit our deposit address, but we cannot derive who sent it. That's the Monero protocol working as designed.

Is Monero accepted on exchanges?

Yes, on a shrinking number — some exchanges have delisted XMR under regulatory pressure (Binance in some regions, Kraken in some regions). Kraken Pro still supports it in many markets. Atomic swaps and P2P remain available everywhere.

Does Monero affect how the card works?

No. Once your account balance is funded, the card behaves identically regardless of which chain you topped up with. Merchants see a USD-denominated Visa/Mastercard charge.

What's the minimum?

$5 equivalent in XMR.

Should I use a fresh Monero wallet for the deposit?

Not necessary — Monero's privacy guarantees hold regardless of wallet reuse. The chain analysis can't connect transactions to a single wallet identity.

Top up with XMR now

Pick a BIN above, top up with any of 20 cryptocurrencies, and your card is ready to use the moment the deposit confirms.