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Buy Monero with a Credit Card

You can buy XMR for USD and other fiat currencies here at SwapSpace! We provide an easy way to do that via one of our partners, such as Mercuryo, Guardarian, or Simplex, with a few simple steps right on this page. You can also look at Monero price dynamics and history, get some answers to your questions, and find some useful links to read more about what is XMR.


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Monero Live Price Chart

XMR price can be volatile. You can see the history of price changes in the cryptocurrency price chart below to help you make the best decision while considering buying crypto.

Monero is a cryptocurrency that prioritizes privacy and anonymity for its users. It was created in April 2014 as a fork of the Bytecoin cryptocurrency. Monero is designed to offer advanced privacy features compared to many other cryptocurrencies like Bitcoin, where transactions and wallet balances are transparent and visible on a public ledger. It was originally called "BitMonero" and later shortened to "Monero," which means "coin" in Esperanto.

Monero (XMR) is known for its strong commitment to privacy and anonymity, and as a result, the identities of its creators and developers are intentionally kept private. Unlike some other cryptocurrencies, Monero's development team has chosen to remain pseudonymous. This decision aligns with the project's core principles of privacy and decentralization.

The original creator, or creators, of Monero, used the pseudonym "Thankful_for_today." Later, this individual stepped back from the project, and Monero's development became a collaborative effort with contributions from various volunteers and developers worldwide.

Some of the more prominent figures in the Monero community, who have been public about their involvement, include Riccardo Spagni (also known as "Fluffypony"), who was one of the project's early leaders and advocates. However, even well-known individuals in the Monero community are not necessarily the primary developers or decision-makers, as the project operates on a collaborative and consensus-based model.

The Monero network is open source, meaning that anyone can contribute to its development, and it has a decentralized and community-driven structure. Many of its contributors are known only by their online handles or pseudonyms, which are used to maintain privacy and security.

Monero uses various cryptographic techniques to hide transaction details, making it difficult to trace the sender, recipient, and transaction amount. This ensures that transactions are confidential and unlinkable.

One of the main technologies is ring signatures which are used to mix a user's transaction with several other transactions, making it difficult to determine the true source of the funds being transferred. Monero employs stealth addresses to ensure that the recipient's address is not revealed in the blockchain. Only the recipient can decipher the transaction. RingCT is a feature that hides the transaction amount. It enables users to send and receive funds without disclosing the exact amounts involved. Monero adjusts its block size to accommodate transaction volume, ensuring scalability while maintaining privacy.

Monero, like many other cryptocurrencies, uses a Proof of Work consensus mechanism. Miners must demonstrate that they have completed a certain amount of computational work in order to create a new block in the blockchain. Monero uses the CryptoNight mining algorithm. It was specifically designed to be ASIC-resistant, meaning it's more complicated to mine with specialized hardware (Application-Specific Integrated Circuits). This is done to maintain a level playing field for miners using consumer-grade hardware, such as CPUs and GPUs.

Miners are rewarded with newly created Monero coins and transaction fees for successfully mining a new block. The current block reward and block time are subject to change due to Monero's dynamic block size and emission schedule.

Unlike cryptocurrencies with fixed block sizes, Monero adjusts its block size to accommodate transaction volume. This dynamic approach helps ensure scalability.

Many miners join mining pools to combine their computational power and increase their chances of earning rewards. In a mining pool, participants contribute their computing power. When the pool successfully mines a block, the rewards are distributed proportionally among the contributors based on their contributed hashing power.

Monero uses Stealth Addresses to hide the recipient's address. Only the recipient can decode the transaction.

Monero has a relatively quick block time of about 2 minutes, which means that new blocks are added to the blockchain approximately every 2 minutes. The network adjusts its mining difficulty periodically to ensure that new blocks are mined approximately every two minutes. This adjustment helps maintain a consistent block production rate despite changes in the network's overall hashing power.

The privacy features of Monero have made it a popular choice for individuals who prioritize anonymity in their cryptocurrency transactions. However, its privacy features have also raised concerns regarding its potential use in illegal activities. As a result, some exchanges and regulatory authorities have implemented extra compliance measures when dealing with Monero.

In September 2020, the criminal investigation division of the United States Internal Revenue Service (IRS-CI) issued a reward of $625,000 for contractors capable of creating tools to assist in the tracking of Monero and other privacy-focused cryptocurrencies, the Bitcoin Lightning Network, and similar "layer 2" protocols. Ultimately, the contract was granted to blockchain analysis firms Chainalysis and Integra FEC.

Monero is used for various purposes, such as a medium of exchange, a store of value, and privacy-conscious transactions. It is often chosen by individuals and entities who prioritize anonymity in their cryptocurrency transactions.

The XMR token was issued without the pre-mined coins, so its total and circulating supply are the same, and as of October 2023 it is18,349,347 XMR. The max supply will be capped at 18.4 billion. Following this, miners will receive motivation through "tail emissions," wherein a modest quantity of XMR is continuously introduced into the system every minute as a reward. This method is considered to be a more efficient means of incentivizing miners than depending solely on transaction fees.

Where to Buy XMR

The main difficulty with the XMR token is that due to its privacy measures and anonymity, it is not listed on some major platforms and exchanges, for example on Coinbase, while you still can buy XMR from Binance, Kraken, Coinbase Pro, Huobi, Bitfinex, Local Bitcoins, Local Monero, etc. LocalMonero, like Monero itself, places an emphasis on privacy. Users are not required to provide extensive personal information, and the platform aims to preserve the privacy of its users. You can also buy Monero right on this page: read how to purchase XMR on SwapSpace below.

Average Fees on the Monero Network

The average transaction fees on the Monero network can vary depending on several factors, including network congestion, the type of transaction (for example, standard or RingCT transaction), and the specific wallet or service used to send the transaction.

Monero transaction fees are calculated based on the transaction size (in kilobytes) and can vary depending on the number of inputs and outputs involved in the transaction. Transactions with more inputs and outputs are larger and, therefore, may have higher fees. RingCT transactions, which provide stronger privacy but are larger in size, typically have slightly higher fees compared to standard transactions.

XMR Token Wallets

Monero can be stored in a variety of wallets, including Official Monero Wallet, Monerujo, MyMonero, Exodus, Cake Wallet, Edge Wallet, Atomic Wallet, Guarda Wallet, Trezor, Ledger Nano, Guarda Wallet, Coinomi, MyEtherWallet, etc.

How to Buy XMR on SwapSpace


On this page, we put USD in the “You send” and XMR in the “You get” sections in the widget. USD is the default, but you can choose your preferred fiat currency. Put in the amount of fiat you want to spend. Next, press the ”View offers” button and choose a provider.

Buy Crypto Step 1

Fill in the “Enter the recipient address” field with the destination Monero address. Check the information carefully and click the “Next” button. After reading the special terms and conditions in the next window, click “Next” again.

Buy Crypto Step 2

At this point, you will either see our partner’s widget or be redirected to another page, depending on the chosen provider. You will be asked to verify your identity, as this is standard practice for the services that work with fiat money. Follow the provider’s instructions on the screen.

Buy Crypto Step 3

After completing the KYC procedure, fill in your credit card information. At this point, everything is in place and your transaction will start.

Buy Crypto Step 4

Wait for the transaction to process. You’ll see a message when it’s completed. A window with your transaction details will also appear; from there, you can also create another crypto-fiat exchange.

Buy Crypto Step 5

Convert Fiat to Crypto Now

If you’re still just considering buying crypto with a credit or debit card, you can use the widget to play around with our cryptocurrency converter: just put in the amount of USD, EUR, or other fiat currency you're willing to spend and see how much XMR you can buy with it.

Frequently Asked Questions

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