XMRPrivate vs FixedFloat — Which Is Safer for XMR Swaps?
Custody model, AML policy, and rate handling compared side-by-side for users swapping into Monero.
No KYC • Non-custodial • Private routing
Quick Verdict — XMRPrivate vs FixedFloat
XMRPrivate
Non-custodial routing into Monero. No account, no logs, no AML scoring layer between you and the swap.
FixedFloat
Custodial instant swap with fixed and float rates. Has a documented history of AML holds, including the 2023 hot-wallet incident.
For users where execution safety and freeze risk are the deciding factors, XMRPrivate's non-custodial model removes the AML hold surface that custodial swap services rely on.
Key Differences — XMRPrivate vs FixedFloat
| Service | KYC | Custody | AML Holds | Rate Type | Typical Speed | Refund Path | Privacy |
|---|---|---|---|---|---|---|---|
| XMRPrivate | No | Non-custodial | None | Market | Fast (5–20 min) | Direct | High |
| FixedFloat | No* | Custodial | Documented | Fixed / Float | Medium | AML-gated | Medium |
* FixedFloat's policy permits address-level AML scoring and may require user contact or refund procedures on flagged transactions.
Safety: Custody, AML Holds, and Freeze Surface
"Safer" for an XMR swap is a function of how the service handles your funds in transit. Custodial swap services hold deposits during conversion and apply AML scoring; non-custodial routing minimises that surface.
- ▸XMRPrivate
Non-custodial execution layer with no scoring engine that can hold incoming funds pending review.
- ▸FixedFloat
Custodial. Maintains an AML policy under which deposits from flagged addresses may be paused, returned, or require contact with support.
- ▸Documented incident
FixedFloat publicly disclosed a 2023 hot-wallet exploit; custodial pooled balances are an attack surface that non-custodial routing avoids.
On safety grounds — freeze risk plus custodial breach risk — non-custodial routing is the more conservative choice for Monero.
Execution Flow — XMRPrivate vs FixedFloat
Where your funds sit at each stage of the swap, and who can act on them.
XMRPrivate: Order Created
Order is generated without an account. No identifying data is attached to the request.
XMRPrivate: Non-Custodial Routing
Funds move through the privacy execution layer without entering a long-term custodial wallet.
XMRPrivate: XMR Payout
XMR is delivered directly to your wallet. No AML hold step exists in the flow.
FixedFloat: Deposit Received
Your deposit lands in FixedFloat's hot wallet alongside other user funds.
FixedFloat: AML Scoring
The incoming address is scored. Flagged deposits can be paused until the user contacts support for review or refund.
FixedFloat: Payout (Fixed or Float)
If cleared, XMR is sent from FixedFloat's pooled wallet at the locked or floating rate.
Speed, Rate Type, and Hold Risk
| Service | Typical Speed | Rate Model | AML Hold Risk |
|---|---|---|---|
| XMRPrivate | Fast (5–20 min) | Market | None |
| FixedFloat | Medium (5–40 min) | Fixed or Float | Possible on flagged deposits |
When to Use XMRPrivate vs FixedFloat
Use XMRPrivate if
- ▸Freeze risk is unacceptable for the swap
- ▸You want non-custodial execution into XMR
- ▸You are routing funds where AML scoring could trigger holds
- ▸You prefer no account and no logs
Use FixedFloat if
- ▸You specifically need a fixed-rate lock
- ▸You are comfortable with custodial handling
- ▸Your source address has clean on-chain history
Risks to Consider with FixedFloat
FixedFloat's policy permits pausing or returning funds from addresses flagged by its compliance scoring.
Pooled custodial wallets are a single point of failure — FixedFloat publicly disclosed a 2023 exploit affecting its hot wallet.
Float-rate orders are exposed to market movement between deposit confirmation and payout.
Recovering a held deposit can require contacting support and providing additional information.
FAQ — XMRPrivate vs FixedFloat
Is FixedFloat safe for XMR swaps?+
FixedFloat is functional for many swaps, but its custodial model and documented AML policy mean deposits can be held or returned based on address scoring.
Has FixedFloat been hacked?+
Yes. FixedFloat publicly disclosed a hot-wallet exploit in 2023. Non-custodial routing avoids pooled-wallet exposure entirely.
Does XMRPrivate require an account?+
No. XMRPrivate runs no user accounts and no KYC layer.
Can FixedFloat freeze my funds?+
FixedFloat's published policy allows pausing or refunding deposits from addresses flagged by its AML scoring system.
Which is better for privacy?+
XMRPrivate. Non-custodial routing without an account or AML scoring layer is structurally more private than custodial swap services.
Swap Into Monero Without Freeze Risk
Non-custodial. No AML scoring. No pooled hot wallet. Route directly into XMR with XMRPrivate.
Start Private XMR Swap