Money Metals Exchange alternatives with crypto + Monero (2026)
The strongest Money Metals alternative for crypto-paying buyers outside the US is Ounceo — direct BTC + Monero + stablecoins acceptance (no BitPay middleman), FedEx worldwide, no-KYC under $5,000 per order. Money Metals remains a reliable US-focused option with a strong catalog of pre-1965 90% silver and IRA-eligible bullion.
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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 | Monero + Lightning discounts. International from day 1. |
| 2 | Money Metals Exchange | Yes | No | Standard US AML | US-strong | Reference: established US dealer, BitPay crypto. |
| 3 | JM Bullion | Yes | No | ~$10k cumulative | US-strong | Largest US catalog. |
What Money Metals does well
Strong US catalog including IRA-eligible bullion, junk-silver bags (90% pre-1965 US coinage), and aggressive volume pricing. Customer support is well-regarded.
The gaps for crypto buyers
- No Monero.
- BitPay middleman on BTC orders adds ~1% effective cost.
- US-strong shipping with crypto orders effectively US-only.
Frequently asked questions
Why look for a Money Metals alternative?+
Money Metals serves US customers well but doesn't accept Monero, restricts crypto shipping to the US, and routes BTC through BitPay (which adds a margin). International buyers or XMR holders need a different dealer.
Are Money Metals' prices competitive?+
Yes — Money Metals is consistently mid-pack on premiums for standard US bullion. Ounceo matches or beats Money Metals on direct-wallet BTC/XMR after the relevant payment discount.
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.