# Haveno Lists U.S. Bank Transfers for Monero Trades Ahead of EU Rule

By Riza Dagoc

Canonical URL: https://www.tokenpost.com/news/regulation/54876
Published: 2026-11-12T03:45:25.000Z
Updated: 2026-11-12T03:45:25.000Z
Section: Regulation

> Haveno lists U.S. ACH and domestic wire options for peer-to-peer Monero (XMR) trades, but listed methods do not guarantee live offers. The EU rule is scheduled to apply July 10, 2027.

Haveno lists U.S. ACH and domestic wire payments for peer-to-peer Monero (XMR) trades, giving U.S. buyers listed options as an EU account-services rule approaches its July 2027 start.

Haveno facilitates direct trades between users, with wallets created on users’ own devices. Its U.S. ACH option sets a five-day trading period; domestic wires list three days. Both show a 12 XMR maximum per trade, though most newly opened payment accounts cannot use the full limit.

Haveno lists Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Tether (USDT) and USD Coin (USDC) for Monero trades. It does not supply liquidity, so trade availability depends on offers and counterparties on a given network. A payment method appearing on the list does not confirm a suitable offer is live on any network.

The service also does not endorse third-party networks for mainnet use. Its listed U.S. options describe possible arrangements rather than confirmed availability through a specific network.

Regulation (EU) 2024/1624 is scheduled to apply July 10, 2027. It bars credit institutions, financial institutions and crypto-asset service providers from keeping anonymous crypto-asset accounts or accounts that anonymize customers or make transactions anonymous or further obscure them, including through anonymity-enhancing coins.

The rule uses the term for crypto-assets built to hide transfer details, whether that feature is automatic or optional. It does not name Monero. The text does not state a ban on individuals owning Monero, and its prohibition does not cover hardware, software or self-hosted wallet providers that lack access to or control over the wallets.

Monero’s network uses ring signatures, ring confidential transactions and stealth addresses to conceal senders, amounts and recipients. The regulation does not specifically classify Monero under its definition or specify how every type of XMR trading arrangement will be treated.

Earlier exchange removals predated the regulation. OKX scheduled XMR spot-pair removals for Jan. 4–5, 2024, ET, and Binance set its XMR spot delisting for 10 p.m. ET on Feb. 19, 2024 (3 a.m. UTC Feb. 20). Both decisions came before the regulation was dated May 31, 2024. Binance included regulatory requirements among its general review factors but did not specify why it removed XMR.

The regulation is scheduled to apply July 10, 2027.