Mobit review covering Monero swap fees, confirmation times, and real-world execution speed on the no-KYC non-custodial platform as of late 2026.
MoBit Exchange runs a no-KYC, non-custodial instant swap service launched in early 2026. It supports direct swaps between BTC, XMR, ETH, and the ERC-20 stablecoins USDT, USDC, and DAI, with strong emphasis on XMR pairs.
The service publishes live reserves and prices on its homepage. A 2026-10-17 snapshot listed 370.363746 XMR alongside 2.3563935 BTC, 70.41439149 ETH, and roughly 198,533 USDT. Both fixed-rate and dynamic-rate options are available.
Every order includes a PGP-signed Letter of Guarantee. A Tor onion mirror exists, and the operator states a no-logs policy for browsing data while retaining order details for up to 15 days. The platform is listed in privacy-focused directories and maintains an active Bitcointalk thread secured by 0.25 BTC escrow.
Mobit charges 1% on dynamic-rate swaps and 1.5% on fixed-rate swaps following the July 17 2026 reduction. A September 2026 BTC to USDT dynamic swap recorded an effective spread of 0.96%.
Dynamic pricing tracks market movement during the swap window while fixed pricing locks the rate at order creation. Both options draw from the same reserve pool shown on the homepage.
| Rate Type | Fee | Lock Period | September 2026 Example |
|---|---|---|---|
| Dynamic | 1% | None | 0.96% spread observed |
| Fixed | 1.5% | Until expiry | Not tested in review |
Reserves on 2026-10-17 stood at 370.36 XMR, 2.356 BTC, 70.41 ETH, 198 533 USDT, 173 337 USDC and 146 865 DAI. A September snapshot listed roughly 234.6 XMR, indicating liquidity growth between the two dates.
MoBit requires two BTC confirmations, ten XMR confirmations, and ten confirmations each for ETH, USDT, USDC, and DAI on the ERC-20 network, according to its FAQ. These thresholds directly determine when the service releases funds on the destination side.
| Asset | Confirmations Required |
|---|---|
| BTC | 2 |
| XMR | 10 |
| ETH / USDT / USDC / DAI (ERC-20) | 10 |
Most swaps finish within minutes once the required confirmations arrive, though the FAQ notes that network congestion can extend completion to one hour. XMR’s roughly two-minute block interval means the ten-confirmation wait typically adds about twenty minutes of chain time after deposit detection.
A September 2026 BTC→USDT dynamic-rate test recorded a total runtime of twenty-six minutes and twenty-two seconds from order creation to payout. The first BTC confirmation arrived at roughly eleven minutes; the service released USDT about fifteen minutes later—before the second BTC confirmation—despite the published requirement of two. This single observed deviation between stated policy and actual execution is the only public timing data available for the service.
To initiate an XMR swap on Mobit, begin at the homepage where live prices and reserves appear, such as the 2026-10-17 snapshot showing XMR at $556.69 against BTC at $81,501.61 with 370.363746 XMR in reserve.
Select the desired pair, for example BTC to XMR, then choose between the dynamic rate option at 1% or the fixed rate at 1.5%. The interface displays the equivalent amount after fees and checks the order against the minimum deposit threshold, listed as roughly 0.0005–0.00061348 BTC equivalent.
Once the amount is confirmed, the platform generates a unique deposit address along with a PGP-signed Letter of Guarantee. Users send the exact deposit amount from their wallet; the service detects the incoming transaction without requiring an account.
After the required confirmations are reached, the payout is released to the provided destination address. The entire process remains non-custodial, with order details retained for a maximum of 15 days under the stated no-logs policy for browsing data.
Mobit maintains a Tor onion mirror for access that avoids clearnet IP exposure. It also issues a PGP-signed Letter of Guarantee with each order, allowing users to verify details independently.
The service states a no-logs policy for browsing data, yet retains order details for up to 15 days. This creates a finite window where transaction metadata could be requested or subpoenaed.
Key weak points remain at the IP layer on clearnet use and at any fiat on-ramp that requires KYC before funds reach the swap. Even with Monero's ring signatures and stealth addresses, these entry and exit points can link activity if not isolated.
Mobit charges 1% on dynamic-rate swaps and 1.5% on fixed-rate swaps following the July 17 2026 reduction. A September 2026 BTC-to-USDT test recorded an effective spread of roughly 0.96%, showing the published rates hold in practice for supported pairs including XMR.
The service states most orders finish within minutes and none exceed one hour. No public XMR-specific timeline test exists, but a September 2026 dynamic BTC-to-USDT order completed in 26 minutes 22 seconds from creation to payout, with the first network confirmation arriving at 11 minutes.
The homepage snapshot dated October 17 2026 listed 370.363746 XMR in reserve. Earlier September figures sat near 234.6 XMR, indicating reserves fluctuate with trading volume but remain visible in real time before any swap.
Mobit lists 10 confirmations for XMR. A September review noted a BTC payout occurred after only one confirmation despite the stated requirement of two, revealing a minor gap between published policy and observed execution on at least one chain.
Public indicators include an active Bitcointalk thread with 0.25 BTC escrow, a PGP-signed Letter of Guarantee per order, a no-logs browsing policy, and listings in privacy directories. Order data is retained for up to 15 days only, and a Tor mirror is maintained.
