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Live XMR/USD market price
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.
XMR Price
$531.1700
24h Change
-2.30%
24h Volume
$127.72M
Market Cap
$9.99B
Monero wallet
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.
Step by step
How to Use Your Free Monero Wallet
How to Create a Free Monero Wallet
- 1Sign up for a free Anytime Capital account and verify your email — it takes a couple of minutes.
- 2Set up passkey security (Face ID, Touch ID or your device PIN). Your XMR keys are generated on your device, not our servers.
- 3Open your wallet dashboard — your Monero address is ready to use straight away, with no monthly fees.
How to Receive XMR
- 1Open your wallet, choose Monero and tap Receive to show your Monero address and QR code.
- 2Share the address (Starts with 4 (standard) or 8 (subaddress) and is 95 characters long) or let the sender scan the QR code.
- 3Funds appear after the network confirms — about 2 minutes per block; 10 confirmations for spendable funds on Monero.
How to Send XMR
- 1Tap Send, choose XMR, and paste the recipient's Monero address or scan their QR code.
- 2Enter the amount and review the network fee before you confirm. Monero fees are dynamic and usually a few cents. Every transaction is private by default, so there is no public balance to look up.
- 3Confirm to sign on your device and broadcast to Monero. On-chain transfers are final once confirmed, so double-check the address.
Monero Network Fees, Explained
Your Anytime Capital Monero wallet has no monthly fees, no setup fees and no charge to receive XMR. The only unavoidable cost is Monero's own transaction fee when you send on-chain, which is set by the network — not by us. Monero fees are dynamic and usually a few cents. Every transaction is private by default, so there is no public balance to look up.
Monero transactions are private by default — there is no public balance to look up, which is why Monero wallets show your balance by scanning the chain. Your wallet shows the exact network fee before you confirm any send, so there are never surprises, and you can buy BTC, LTC, USDT, XMR, and more with Apple Pay, card or bank transfer whenever you want to add to your balance.
See our fees & limits and processing times pages for platform-wide details.
How Your XMR Stays Safe
Every transaction is signed locally on your device — your private keys are never transmitted to our servers. Your wallet is protected by passkey authentication (biometrics, not passwords), encrypted backups and 256-bit encryption. Blocks arrive about every 2 minutes and funds are typically spendable after 10 confirmations.
Anytime Capital is a FinCEN-registered Money Services Business operating under US compliance obligations, with OFAC screening on platform activity. Self-custody means you can export your keys and take your XMR anywhere, anytime — they're yours. Monero's tail emission keeps a small, fixed block reward forever so miners always have an incentive to secure the network.
Comparing Monero wallets?
See how Anytime Capital stacks up against Exodus on custody, banking, and cash-out options.
One wallet, every major asset
Buy BTC, LTC, USDT, XMR, and more — straight into your wallet
Create your free Anytime wallet once and buy XMR or any of these with Apple Pay, a debit or credit card, a bank transfer or another available payment method.
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Free XMR
Looking for Free XMR? Start Here
The wallet is free. Getting XMR into it takes one of three routes — pick the one that matches what you came for.
1. Create a free XMR wallet
A non-custodial Monero wallet with no monthly fees, no setup fees and no minimum balance. Your keys stay on your device.
Open free wallet2. Buy XMR with a payment method you already have
Buy BTC, LTC, USDT, XMR, and more with Apple Pay, a debit or credit card, a bank transfer or another available method — delivered to your Anytime Capital wallet.
Buy XMR now3. Know where free XMR really comes from
Legitimate free tokens exist — and so do giveaway scams built to empty the wallet you just opened. The short version is below.
Read the guideLegitimate ways people get XMR without buying it
- Getting paid in it. Freelancers, remote workers and merchants increasingly invoice in crypto. Your Monero wallet address is what you give a client or customer to receive XMR.
- Airdrops from projects you already use. Protocols occasionally distribute tokens to existing users. Real airdrops never ask you to send funds first or to enter a seed phrase.
- Exchange and card rewards. Some platforms pay sign-up bonuses or cashback in crypto. Read the terms — most require a verified account and a first purchase.
- Staking or holding rewards. Where a network pays holders for securing it, rewards arrive as more of the coin. They are earned on coins you already hold, not given to new wallets.
How "free XMR" scams work
- "Send 1, get 2 back." A giveaway that asks you to send XMR first is theft. Nothing comes back.
- "Claim your airdrop — enter your seed phrase." Your 12 or 24 words are your wallet. Anyone who has them owns your XMR. No legitimate service ever asks for them.
- "Connect your wallet to claim." A malicious site can ask your wallet to approve a transaction that drains it. Read every approval before you sign.
- "Free XMR mining app." Apps that "mine" XMR on your phone and then charge a withdrawal fee never pay out.
If something has already gone wrong, our fraud notice explains what to do next.
Ready to load your wallet?
Buy Monero Directly Into Your Wallet
Purchase XMR instantly using Apple Pay, your debit or credit card, a bank transfer or another available method — all within the Anytime Capital app.
Everything Your Monero Wallet Can Do
Non-Custodial
Your keys, your coins. We never hold your assets.
Send & Receive
Instant transfers to any wallet address worldwide.
Swap Assets
Exchange between supported assets at live market rates.
QR Code Payments
Scan to send or receive. Works at any compatible wallet.
Import Wallet
Already have a wallet? Import via seed phrase — 12 or 24 words.
Export Wallet
Your keys are portable. Export anytime, own forever.
Fund Your Cash Account
Transfer crypto to your Anytime Capital cash account instantly.
Buy with Card
Fund your wallet with debit card, Apple Pay, ACH, or wire.
Live Market Data
Real-time prices and charts on all supported assets.
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
Convert XMR
You send
1.0 XMRCash account receives
USD (instant)
Explore Monero on Anytime Capital
View live XMR price charts, market data, and crypto news in our explorer.
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Trusted (Trust & Compliance)
Anytime Capital meets rigorous regulatory and compliance obligations to help ensure secure, transparent cryptocurrency transactions.
MSB Registration Number: 31000321862986
Monero Wallet FAQ
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.
Ready to open your free Monero wallet?
Non-custodial. No fees. Built-in banking. Buy BTC, LTC, USDT, XMR, and more in minutes.
Get Free XMR WalletAs of September 2026. Information may have changed since this date. Please verify current details with the respective platforms.