Is there a fee to use the Monero wallet?

No. Your Anytime Capital Monero wallet has no monthly fees, no setup fees and no hidden charges. Monero network fees apply when you send XMR on-chain: Monero fees are dynamic and usually a few cents. Every transaction is private by default, so there is no public balance to look up.

What does a XMR address look like?

Starts with 4 (standard) or 8 (subaddress) and is 95 characters long.

How long does a XMR transfer take?

About 2 minutes per block; 10 confirmations for spendable funds on Monero. Your wallet shows the transaction as pending until the network confirms it.

Can I buy XMR directly into this wallet?

Yes. Create your free Anytime Capital wallet and buy BTC, LTC, USDT, XMR, and more using Apple Pay, a debit or credit card, a bank transfer or another available payment method. Purchases are delivered to your Anytime Capital wallet.

Can I convert XMR to USD in my cash account?

Yes. Anytime Capital connects your Monero wallet to your FDIC-insured cash account. Convert XMR to US dollars and spend the balance with your Mastercard® or transfer it out.

Is the Anytime Capital wallet free?

Yes. There are no monthly fees, no setup fees, and no hidden charges for using your Anytime Capital crypto wallet. You only pay standard network transaction fees when sending crypto on-chain.

Is this a custodial or non-custodial wallet?

Anytime Capital offers a non-custodial wallet — meaning you hold your own private keys. We never have access to your funds. Your keys, your coins.

Can I import my existing wallet using a seed phrase?

Yes. You can import any existing BIP-39 compatible wallet using your 12 or 24-word seed phrase. This works for Bitcoin, Ethereum, Solana, Litecoin, and TRON wallets.

What cryptocurrencies does Anytime Capital support?

Your Anytime Capital wallet covers the major assets: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), TRON (TRX), XRP, BNB, Dogecoin (DOGE), Cardano (ADA), USDT (ERC-20, SPL, TRC-20), USDC (ERC-20, SPL) and the rest of the top coins by market cap. Each has its own wallet page under /wallet, and you can buy BTC, LTC, USDT and more into the same wallet with Apple Pay, card or bank transfer.

Can I use my crypto wallet to fund my Anytime Capital cash account?

Yes. Anytime Capital uniquely connects your crypto wallet to your FDIC-insured cash account. Convert crypto to USD and have it available in your account instantly — then spend it with your Mastercard®.

Is my crypto FDIC insured?

Cryptocurrency itself is not FDIC insured. Funds loaded to your Anytime Capital cash account are FDIC-insured up to applicable limits through our partner bank, Pathward N.A., Member FDIC.

Free Monero (XMR) Wallet — Built-In Banking

Free Monero Wallet with Built-In Banking

Monero is the leading privacy coin: every transaction hides the sender, receiver and amount by default using ring signatures and stealth addresses. Create your free Anytime wallet and buy BTC, LTC, USDT, XMR, and more using Apple Pay, card, bank transfer or another available method.

Anytime Capital WalletYour non-custodial cryptocurrency wallet

WalletCurrent wallet

BTC — Bitcoin

BTC

BalanceRecover from seed phrase

$23,243.80 USD

0.28416093 BTC

Recent activityView all

Received+0.05 BTC2h ago$4,089.90
Sent−0.013 BTC5h ago$1,063.37
Received+0.021 BTC1d ago$1,717.76
Sent−0.0085 BTC2d ago$695.28

BalanceAllocation

24H7D30D90D1Y

Portfolio value

$0.00

-$934.85 (-1.58%)Past 24H

Your Assets

Hide $0

AssetPrice24h Volume7d ChartBalanceValue

BTCBitcoin

39.9% of portfolio

$81,798.00

-1.87%

$37.89B

24h vol

0.28416093

BTC

$23,243.80

Copy address

ETHEthereum

20.1% of portfolio · 4 networks

$2,400.38

-2.40%

$13.58B

24h vol

4.87310562

ETH

$11,697.31

Copy address

USDTTether

15.8% of portfolio · 3 networks

$0.999235

+0.03%

$60.4B

24h vol

9,215.47

USDT

$9,208.41

Copy address

SOLSolana

11.1% of portfolio

$104.46

-2.08%

$2.91B

24h vol

61.84720375

SOL

$6,460.56

Copy address

XRPXRP

5.3% of portfolio

$1.33

-2.09%

$1.87B

24h vol

2,316.804

XRP

$3,081.35

Copy address

TRXTRON

4.5% of portfolio

$0.330395

-0.11%

$374.44M

24h vol

7,905.412

TRX

$2,611.91

Copy address

USDCUSDC

3.3% of portfolio · 3 networks

$0.999661

+0.03%

$14.61B

24h vol

1,925.106

USDC

$1,924.45

Copy address

Your XMR — Fully Under Your Control

Monero is the leading privacy coin: every transaction hides the sender, receiver and amount by default using ring signatures and stealth addresses. With Anytime Capital, your Monero is secured by your own private keys — not held by any exchange or custodian.

✓Self-custody XMR storage

✓Send & receive on Monero

✓Confirms in 2 minutes per block; 10 confirmations for spendable funds

✓Buy BTC, LTC, USDT, XMR, and more

✓Convert to USD cash account

What Is a Monero Wallet?

A Monero wallet is software that holds the private keys controlling your XMR on Monero and lets you send, receive and store it. Monero is the leading privacy coin: every transaction hides the sender, receiver and amount by default using ring signatures and stealth addresses. XMR is a privacy-focused cryptocurrency with its own blockchain, launched in 2014, so the wallet you use has to speak Monero — the address format, fees and confirmation times on this page are Monero's.

Anytime Capital gives you a free, non-custodial Monero wallet: your keys are generated on your device and never leave it, so no exchange, custodian or even Anytime Capital can freeze or move your XMR. There are no monthly fees; you pay only Monero's own network fee when you send.

The difference from a standalone XMR wallet is what surrounds it. You can buy BTC, LTC, USDT, XMR, and more into the same wallet using Apple Pay, a debit or credit card, or a bank transfer, convert to US dollars in your Anytime Capital cash account, and spend the balance with your Mastercard® — all from one dashboard.

Convert XMR to Cash in Your Anytime Capital Account

Most wallets leave your crypto stranded. Anytime Capital bridges your Monero wallet to your FDIC-insured cash account — convert, spend with your Mastercard®, or receive direct deposits.

✓Convert XMR → USD instantly

✓No-fee internal transfers

✓Spend with your Mastercard®

✓FDIC-insured up to $250K

Open Cash Account + XMR Wallet

Free Monero Wallet with Built-In Banking

Your Whole Portfolio, On Every Screen

Receive with one scan

Send in a few taps

Pay only the network fee

Your XMR — Fully Under Your Control

What Is a Monero Wallet?

How to Use Your Free Monero Wallet

How to Create a Free Monero Wallet

Buy BTC, LTC, USDT, XMR, and more — straight into your wallet

Looking for Free XMR? Start Here

1. Create a free XMR wallet

2. Buy XMR with a payment method you already have

Buy Monero Directly Into Your Wallet

Everything Your Monero Wallet Can Do

Non-Custodial

Send & Receive

Swap Assets

Convert XMR to Cash in Your Anytime Capital Account

Explore Monero on Anytime Capital

Other Supported Wallets

Trusted (Trust & Compliance)

Monero Wallet FAQ

How to Receive XMR

How to Send XMR

Monero Network Fees, Explained

How Your XMR Stays Safe

Comparing Monero wallets?

3. Know where free XMR really comes from

Legitimate ways people get XMR without buying it

How "free XMR" scams work

QR Code Payments

Import Wallet

Export Wallet

Fund Your Cash Account

Buy with Card

Live Market Data

Ready to open your free Monero wallet?