# XMRChat

Category: tools · merchant
Grade: A-
KYC: email_required
Highlights: NON-CUSTODIAL, 0%-FEE, VIEWER-ANONYMOUS, OPEN-SOURCE
Features: non_custodial, open_source, xmr_native, view_key_disclosure, zero_platform_fee, viewer_no_account, twitch_integration, obs_integration
Fees: Platform fee: 0% — creators keep 100% of tip amount on-chain. Standard Monero tx fee applies (paid by the viewer).
Web: https://xmrchat.com
Contact: Email: support@xmrchat.com · X: https://twitter.com/xmr_chat · GitHub: https://github.com/sa8ab/xmrchat
Last verified: 2026-06-01
Operating since: 2024-07 (2y) — GitHub repo created 2024-07-01 (Apache-2.0). Stable creator tool in the Monero ecosystem.
Also listed at: Web3Privacy

> Non-custodial Monero superchat + tipping for streamers — viewers pay no platform fee, creators keep 100%, no signup for viewers.

## Review

XMRChat is a Monero-native superchat / tipping tool for content creators. The pitch is direct: where YouTube takes 30–50% of Superchats and Rumble takes 20%, XMRChat takes **0%** — every XMR a viewer tips lands directly on-chain in the creator's wallet. The viewer side is **fully anonymous** (no account, no email, no signup), the creator side requires an email login to manage their tip page.

**Architecture is the killer feature: it's non-custodial.** During creator onboarding, you supply your Monero **primary receive address + secret view key**. XMRChat generates a unique subaddress per incoming tip and uses your view key to *see* (but not spend) those incoming transactions for display and notifications. Funds **never touch a platform wallet** — they land directly in your wallet, on-chain, in real time. Even if XMRChat goes offline tomorrow, the XMR you've already received is still yours, untouched, in addresses you control. The platform is a UI + notification layer, not a custody layer.

**Privacy trade-off worth understanding:** handing your view key to a third party gives them visibility into *every* incoming transaction to your primary address, not just tips. Standard mitigation: use a **dedicated XMR wallet for tip income**, not your main wallet. The view key only ever sees what hits that wallet. Don't reuse a wallet you've also used for personal/business receive — XMRChat's UI will surface those incoming transactions too.

**Integrations**: Twitch bot (`xmr-chat`), OBS browser source for stream overlay, Streamyard support. Set up a tip page, share the URL with your audience, watch tips show up in your overlay during a stream. Tutorial by Alex Anarcho on YouTube is the standard onboarding reference.

**Why we list at A-, not A:** non-custodial design + 0% platform fee + viewer-side anonymity + open-source (Apache-2.0 at `github.com/sa8ab/xmrchat`) all earn full credit. The half-step holding it back from A is the **email-required creator login** — for a privacy tool, requiring an email even on the creator side is a real cost (use a throwaway, but it's still an identity surface). Anonymous operator (no team page, contact via `support@xmrchat.com`) is also worth noting but mitigated by the non-custodial design — there's nothing to rug.

**Useful when** you're a creator who streams (Twitch, OBS, Streamyard) and wants real Monero superchat without a platform middleman taking 30%; OR you're a viewer who wants to send a creator XMR without identity disclosure on either side of the transaction.

**Trust mechanism**: open-source codebase (review the view-key handling yourself if it matters), non-custodial by architecture (no platform wallet to drain), on-chain settlement (your wallet is your bank). The combination is hard to beat for the tipping-creator use case in the Monero ecosystem.

Source: https://xmr.club/tools/xmrchat