Xgram.io review covering non-custodial Monero swaps, Telegram bot performance, limits, fees and privacy trade-offs based on October 2026 data.
Xgram.io operates as a non-custodial instant swap platform available through its website and the Telegram mini-app @xgram_io_bot. It aggregates liquidity through a hybrid model that combines proprietary reserves with external market depth, allowing users to select either floating or fixed rates via Smart Hedge Protection.
The service lists 590+ cryptocurrencies and roughly 40,000 trading pairs across networks that include Bitcoin, Ethereum, Solana, Tron, TON and Monero. No account registration or KYC is required for standard wallet-to-wallet swaps, though outputs undergo AML screening. Average execution time is reported at around five minutes.
Site data from October 2026 show more than one million successful swaps and 10,000 active users. Transaction limits range from a $50 minimum to $1,000,000 or higher per swap. XMR-specific pages display live market figures of approximately $438.66 with a market cap near $8.09 billion. Xgram has held a Monerica listing since July 2026, rated 5.0 from four reviews.
Xgram operates as a non-custodial platform, so users retain full control of their Monero throughout the process. Swaps run wallet-to-wallet: you send XMR or another supported asset from your own wallet to a generated deposit address, and the platform returns the output coin to an address you specify. No account or KYC is needed for standard volumes, though AML screening is applied to outputs to deliver clean assets.
Liquidity comes from a hybrid model that combines proprietary reserves with aggregated market depth across 40,000-plus pairs. Traders can choose floating rates that track live market conditions or fixed rates backed by Smart Hedge Protection, which locks the quoted rate for the duration of the swap to reduce volatility risk.
Site data from October 2026 lists an average execution time of roughly five minutes, with most swaps completing inside the 3-to-15-minute window once network confirmations clear. Transaction limits range from a $50 minimum to $1,000,000-plus per swap, with dedicated manager support available for volumes above $10,000.
These mechanics keep the flow direct while giving users explicit control over rate type and timing, provided they monitor their own wallet addresses and confirmations.
The @xgram_io_bot functions as a Telegram mini-app that lets users execute non-custodial swaps without leaving the messaging interface. It aggregates liquidity for over 590 cryptocurrencies and roughly 40,000 pairs, including XMR routes, and supports both floating and fixed-rate options.
Basic usage follows a short sequence: launch the bot, choose the input and output assets, enter the amount above the $50 minimum, review the quoted rate with all commissions included, and confirm the wallet-to-wallet transfer. No registration or KYC is required for standard volumes up to the $1,000,000+ limit. The platform screens outputs for AML compliance before release.
Reported performance shows an average completion time of about five minutes, with earlier observations ranging from three to fifteen minutes depending on network confirmations. Monerica lists the service with a 5.0/5 rating from four reviews that highlight speed and competitive rates. The site also states more than one million successful swaps and 10,000 active users as of October 2026. Users needing volumes above $10,000 can request a personal manager through the same bot.
Xgram’s wallet-to-wallet design keeps users in control of keys at every step, with no custodial deposit required. This reduces platform-side exposure compared with centralized exchanges, yet the service still runs AML screening on outputs to deliver “clean” assets. That screening creates a potential traceability vector even when swapping into Monero.
IP leakage is the most immediate operational risk. Both the web interface and the Telegram mini-app connect over clearnet by default, and Telegram itself logs client IP addresses. Any node the aggregator uses for Monero or other chains can likewise expose metadata if not routed through Tor or a trusted VPN.
Practical steps include running the Telegram bot inside a Tor-enabled session or via a no-logs VPN before initiating a swap. Users should also generate fresh subaddresses for each Monero receive and avoid linking the same wallet across multiple platforms. Because AML filters may reject or flag certain outputs, testing a small swap first helps verify that the received funds remain usable in the broader Monero ecosystem without additional scrutiny.
Xgram provides fixed-rate Smart Hedge swaps with volatility protection alongside standard floating-rate options. Both share the same transaction limits and speed profile reported on the platform.
| Feature | Fixed Rate (Smart Hedge) | Floating Rate |
|---|---|---|
| Rate Type | Locked rate with volatility protection | Market-driven, changes until completion |
| Minimum per Swap | $50 | $50 |
| Maximum per Swap | $1,000,000+ | $1,000,000+ |
| Typical Completion Time | ~5 minutes | ~5 minutes |
| High-Volume Support | Personal manager for >$10,000 | Personal manager for >$10,000 |
Users select the rate type at swap initiation. Fixed-rate trades reduce exposure to price swings during the average five-minute window, while floating rates may deliver better pricing in stable markets. Limits and times reflect site data as of October 2026.
Xgram includes all commissions in its quoted rate. A 2025 announcement listed rates starting at 0.1 percent, though exact spreads for current XMR pairs are shown dynamically at swap time.
No account registration or KYC is required for standard wallet-to-wallet swaps. The platform performs AML screening on outputs to deliver clean assets.
Xgram lists approximately 40,000 trading pairs across 590-plus cryptocurrencies, with dedicated support for Monero pairs including BTC-to-XMR routes.
Standard swaps range from a $50 minimum to $1,000,000 or more per transaction. Volumes above $10,000 can access a personal manager for assistance.
The platform states an average completion time of roughly five minutes, though actual duration depends on network confirmations and chosen rate type.
Users can contact 24/7 support directly through the @xgram_io_bot or the site’s Telegram channel for operational issues.
Both options are available, with Smart Hedge Protection on fixed rates to limit volatility exposure during the swap window.
