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ForumsCrypto & PrivacyP2P payment apps (Venmo/Zelle) for pharmacy — March 2026

P2P payment apps (Venmo/Zelle) for pharmacy — March 2026

CanadaChris Sun, Mar 31, 2024 at 9:42 AM 10 replies 1,883 viewsPage 1 of 2
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CanadaChris
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Toronto, CA
Mar 31, 2024 at 11:07 AM#1
Hey all. I've been lurking for a while and wanted to share what I've learned about using Monero (XMR) for pharmacy purchases since a few people have asked about it. Why Monero specifically? Unlike Bitcoin, Monero transactions are private by default. There's no public ledger where someone can trace your purchase history. For something as personal as health/wellness purchases, that privacy matters. Here's the basic setup I use: 1. Buy XMR on a no-KYC exchange (more on this below) 2. Send to your personal Monero wallet 3. Pay the pharmacy directly if they accept XMR, or convert to another crypto at point of sale Happy to answer questions. I'm not a crypto expert but I've been doing this for about a year without issues. ⚠️ Disclaimer: I'm not giving financial advice, just sharing my personal approach to privacy. Always follow your local laws.
1 13Dr.EM_Chicago
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Dr.LipidDallas
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Dallas, TX
Mar 31, 2024 at 11:24 AM#2
OK this is super helpful because I've been wanting to do this but the whole crypto world is intimidating. Dumb question: what's a "no-KYC exchange"? I keep seeing this term and I feel like everyone assumes I know what it means 😅
8 19wei_SG, cory_ATX, lori_vegas and 5 others
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RickReta_CO
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Jan 2025
Colorado
Mar 31, 2024 at 11:41 AM#3
no dumb questions here! KYC = "Know Your Customer" — it's when an exchange requires your ID, selfie, address, etc. to verify your identity. Major exchanges like Coinbase and Kraken require full KYC. No-KYC means you can buy/sell without providing personal ID. For privacy-focused purchases, this is the whole point — you don't want a paper trail connecting your identity to the transaction. Options for buying XMR without KYC: - Haveno (decentralized exchange, successor to Bisq for Monero) - LocalMonero — oh wait, this shut down in 2024 RIP 😢 - TradeOgre — limited KYC for smaller amounts - Buying BTC from a Bitcoin ATM with cash then swapping to XMR via an instant exchange The Bitcoin ATM → swap method is probably the simplest for beginners. Just be aware that BTC ATMs often have high fees (5-10%) 💸
43 1hyun_seoul, jim_asheville, matt_MKE and 40 others
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newstart_MO
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Feb 2026
Springfield, MO
Mar 31, 2024 at 11:58 AM#4
Good guide. I'd add a few operational security tips: 1. Use Tor or a VPN when accessing any exchange or wallet. Your ISP doesn't need to know you're buying crypto. 2. Don't reuse wallet addresses. Monero generates subaddresses automatically — use a new one for each transaction. 3. Wait for confirmations. Don't rush. Monero transactions typically confirm in ~2 minutes but wait for at least 10 confirmations before considering it "done." 4. Keep your seed phrase offline. Write it on paper, store it somewhere safe. NOT in your phone notes. NOT in Google Drive. Paper. 📝 Also want to emphasize: Monero's privacy is built into the protocol. You don't have to do anything special — every transaction uses ring signatures, stealth addresses, and RingCT by default. This is what makes it fundamentally different from Bitcoin.
36 4TrialNerd_Beth, HPLC_Greg, LibrarianMeg and 33 others
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SallyK_inj
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Jul 2024
Iowa
Mar 31, 2024 at 12:15 PM#5
I appreciate this thread but I want to offer a counterpoint for consideration: Most online pharmacies that are legit and compound properly will accept regular credit card payments. Using crypto isn't necessary for legal purchases. Where I see value in crypto/XMR is: - You don't want your health purchases showing up on bank statements that a nosy employer/insurer could theoretically access - You want to keep your health decisions private from data brokers who buy transaction data - You're in a jurisdiction where certain compounds are in a grey area But for most people buying from licensed compounding pharmacies in the US? A credit card is fine. Just my 2 cents (or 0.000015 XMR 😄)
23 24Dr.PathRoch, mona_PHX, andrew_nyc and 20 others
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