Beginner

Spending Monero Quiz

Check what you know about the ways to spend Monero, finding merchants, gift cards, swap-to-pay, everyday spending and doing it privately.

Covers material from Spending Monero in the Real World.

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You want to buy from a shop that only accepts Bitcoin, but you hold Monero. What's the cleanest option?

Send Monero to the Bitcoin address and let the network convert it Mine the Bitcoin yourself before checkout Swap the needed XMR to BTC at payment time and pay the merchant in BTC Wait until the shop is forced to accept Monero

Where would you look to find businesses that accept Monero?

A curated directory like Monerica plus community lists Your wallet's built-in list of every shop on earth The 25-word seed phrase, which encodes merchant links The Monero blockchain, which stores a merchant registry

How do retailer gift cards let you effectively spend Monero at stores that don't accept it?

Retailers secretly accept XMR through gift cards without knowing The gift card converts Monero to store credit on the blockchain You buy the retailer's gift card with XMR, then spend the card there Gift cards remove all fees and KYC from any purchase

What most often defeats Monero's on-chain privacy when you buy physical goods?

The shipping/identity details you give the merchant off-chain The wallet software's version number The number of confirmations you wait for The ring size used in the payment transaction

Why keep a separate wallet or account for everyday spending?

It doubles the privacy of every transaction automatically It is required to make any payment on the network It lets you spend before the 10-block lock clears It limits exposure and separates day-to-day activity from your main holdings

You paid a merchant in XMR and they claim it never arrived. What can you use to prove it?

The merchant's private view key Your seed phrase, to show you own the funds A payment/transaction proof for that specific payment A screenshot of your wallet balance

What's a realistic trade-off of prepaid debit cards funded with Monero?

They make the payment impossible to trace to the card issuer They convert spending back into XMR after each purchase They are always free and never require any identity Convenience, but often fees and possible KYC that reduce privacy

You buy a gift card from a service that requires your ID. What's the main privacy consequence?

It ties your identity to the spend off-chain, weakening your privacy It exposes your 25-word seed to the service It changes your wallet's XMR address It slows the Monero transaction down

You want to pay a subscription in Monero every month. What's a practical reality?

You must reuse the exact same address every month There are no automatic pull payments — you pay each period or per invoice Subscriptions require a hardware wallet to work The network charges your wallet monthly on its own

Q10

Paying a Bitcoin-only merchant via an atomic swap vs a custodial instant swap — what's the key difference?

Instant swaps are non-custodial and atomic swaps are custodial Atomic swaps are always cheaper and instant An atomic swap is non-custodial — no service holds your funds mid-swap Atomic swaps require KYC while instant swaps don't

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