A Monero transaction can be visible before it is ready for an exchange to process. Confirmations count blocks added after the transaction enters the blockchain. For an incoming XMR deposit, xmr-exchange.org's planned threshold is 20 confirmations; this is an order rule, not a guaranteed payout time.
A broadcast transaction may first appear in a wallet's pending view or transaction pool. Once included in a block it has its first confirmation; later blocks increase the count. Monero targets a block approximately every two minutes, but individual intervals vary, so multiplying blocks by two produces an estimate, not a deadline.
| Stage | What it tells you | What to do |
|---|---|---|
| Broadcast or pending | The sending wallet has submitted the transaction | Keep the transaction ID and wait for chain inclusion |
| Confirmed on Monero | Blocks have been added after inclusion | Compare the order's required count with the live count |
| Service threshold reached | The deposit can proceed under that order's rules | Follow conversion and payout as separate stages |
| Payout sent | The outgoing asset was broadcast | Check the destination wallet or platform on its own network |
Monero wallets usually show newly received XMR as locked until 10 confirmations. That spendability rule for a personal wallet is separate from the 20 incoming confirmations this project's exchange plans to require. Seeing an unlocked balance in your wallet does not mean the exchange has finished processing a different deposit.
For an XMR-to-USDT or XMR-to-USDC order, the threshold applies to the incoming Monero transfer. Rate execution, payout broadcast and recognition by the receiving platform follow later. The fixed rate's 12-minute hold describes quote terms, not a promise that all of those stages finish within that window.
Start with the order page and the sending wallet's transaction record. A wallet can show “sent” before a service detects the deposit or before enough blocks have accumulated. Compare the facts in this order:
A public block explorer cannot reveal the recipient and amount of a Monero payment in the way it can for a transparent chain. If the order does not detect the deposit, keep its ID and transaction ID; the payment-proof guide explains what additional evidence a sender can provide.
The chosen destination network has its own transfer and wallet-crediting stages. XMR to USDT on TRON and XMR to USDC on Base share a Monero deposit stage, but their payouts are different tokens on different chains. Check the order status before troubleshooting a destination balance.
The exchange process covers all stages, and the home form shows the current route. Monero's technical specification documents its target block time; its wallet guide explains unlocked balances.
A transaction may be detected then, but the planned order policy waits for its stated incoming threshold before processing. Read the live order status for the actual threshold.
The wallet's spendability condition and the service's deposit threshold are different rules. They may show different counts for the same transaction.
No. Block intervals fluctuate, and exchange and payout stages occur after the incoming threshold.
Send the order ID, Monero transaction ID and the stage shown in the order. Share a transaction proof only if the support channel asks for it.