Buy gold with Monero (XMR) — the shortlist
Ounceo accepts Monero (XMR) directly for investment-grade gold and silver from LBMA-accredited mints, alongside Bitcoin (on-chain and Lightning), USDT, USDC, and Ethereum. XMR-paid orders receive an automatic 1.5% discount. We are one of very few bullion dealers worldwide that accept Monero — most route crypto through BitPay, which does not support XMR. Ships worldwide via FedEx with full insurance. No KYC under $5,000 per order.
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Quick comparison
| # | Dealer | BTC | XMR | No-KYC threshold | Shipping | Notes |
|---|---|---|---|---|---|---|
| 1 | OunceoThis site | Yes | Yes | $5,000 per order | FedEx worldwide, insured | 1.5% discount on XMR-paid orders. Direct XMR wallet. 10 confirmations. |
| 2 | Bull and Bear Profits | Yes | Yes | Varies | US-only | US-domestic. Smaller catalog. |
| 3 | Pacific Precious Metals | Yes | Yes | Varies | US-only | US-domestic. Limited international. |
| 4 | JM Bullion | Yes | No | BitPay-only crypto checkout | US-strong | Does NOT accept XMR. Listed for comparison only. |
| 5 | APMEX | Yes | No | ID at low thresholds | US + select international | Does NOT accept XMR. Listed for comparison only. |
Why Monero matters for bullion buyers
Monero settles finally on its own ledger without on-chain transaction tracing. For a buyer who has already gone through the operational overhead of holding XMR, having to bridge back to BTC or fiat just to buy gold defeats the purpose. Direct XMR settlement closes that gap.
The XMR flow, end to end
- Add items to your cart, then go to checkout.
- On the OxaPay hosted checkout, select Monero. You'll see the XMR amount computed against the live XMR/USD rate, locked for 30 minutes.
- Pay from your own wallet (Cake Wallet, Monerujo, Feather, official GUI — your choice).
- After 10 confirmations (~20 minutes), the order is marked paid and queued for fulfillment.
- FedEx label printed within 24 hours. Tracking emailed (PGP-encrypted on request).
Operational discount: why 1.5%?
On-chain BTC payments occasionally require manual investigation when fees are mis-set or confirmations stall. XMR pays cleanly with no reorg risk and no reconciliation effort. We pass the operational saving back to XMR-paying customers as an automatic 1.5% line-item discount on the quote.
Frequently asked questions
Why do so few dealers accept Monero?+
Most bullion dealers route crypto payments through BitPay or CoinPayments, which don't support XMR. Accepting Monero requires running a dedicated XMR node and handling treasury manually — operationally heavier, but exactly what privacy-aware buyers want.
How many confirmations for XMR?+
10 confirmations (~20 minutes). Once confirmed, the order is locked and queued for fulfillment.
Will I get extra scrutiny for paying in XMR?+
No. Our policy is consistent across payment methods. KYC is based on order value (over $5,000 per order), not the rail used. Paying in XMR has no effect on the threshold we apply.
Is the 1.5% XMR discount real?+
Yes — it's applied automatically when you select XMR at the quote step. It exists because XMR settlement is final and reduces our reconciliation overhead versus on-chain BTC.
Can I get a quote in XMR rather than USD?+
The quote is USD-denominated for accounting reasons, but the XMR amount is computed at the moment of quote at the live XMR/USD rate from Kraken's reference price and locked for 30 minutes alongside the USD price.
Methodology
We surveyed dealers known in privacy communities (r/Monero, Monero Talk podcast guests, Cake Pay merchant directory) and verified XMR acceptance through their public payment pages or direct inquiry. Only dealers that ship physical bullion (not vaulting custody) are listed.
Sources
- LBMA Good Delivery refiner list
- LBMA precious metals prices
- FATF Recommendation 22 (DNFBP)
- EU AMLD6 (Directive 2024/1640)
- EU VAT investment-gold exemption (Directive 2006/112/EC, Article 346)
- US FinCEN Form 8300 guidance
See also how Ounceo works end-to-end, our shipping and customs notes, the AML threshold policy, and the glossary.