Receiving Monero: which address should you use?

When you swap into XMR, the only thing the provider needs is a Monero address. Your wallet can create three kinds. All of them deliver to the same wallet, but they're not equally private.

Why a fresh subaddress for every swap

Every Monero payment hides the amount and the sender on the blockchain. But the service sending you XMR knows which address it paid. If you give it the same address every time, it can tell all those payouts went to the same person. A new subaddress for each payout prevents that. Your wallet tracks them all under one balance, and creating more costs nothing.

Privacy, fees and what the swap sees

• Privacy: the provider sees your deposit, the amount and the address it pays to. Nobody else can see the XMR payout on the blockchain.
• Fees: receiving is free. The Monero network fee for the payout is included in the rate the provider quotes. You only pay a network fee yourself when you send XMR on.
• Swap integration: SwapRocket pays to whatever address you paste. There's no wallet to connect, so your wallet never signs anything to receive.

Pasting the address safely

1. Create a new subaddress in your wallet and give it a label, such as "swap 4 Oct".
2. Copy and paste it. Never type it out by hand. Check the first and last few characters match.
3. Don't add a payment ID unless the receiving service tells you to. Subaddresses don't need one.
4. After the payout, expect a wait of about 20 minutes before you can spend it. See why a Monero balance shows as locked.

Sources

• Monero Docs — Subaddress
• Monero Docs — Integrated address
• Monero Moneropedia — Address
• Monero Moneropedia — Account

For information only — not financial advice. Wallet and provider behaviour changes; check the sources above.