Your XMR bridge payout is what remains after the network fee, bridge charge, and any exchange-rate difference. If you are used to an exchange, think of the number shown before sending as an estimate, not a guaranteed final balance.
A bridge moves value between blockchains. In this case, you send XMR from Monero and receive a wrapped token on an Ethereum-compatible network. A wrapped token is a version of an asset made to work on another blockchain; zXMR uses the ERC-20 format, a common token format on Ethereum.
Start with the amount you enter, then check what the form says you will receive. The difference can include a Monero transaction fee, the bridge’s fee, and a spread. A spread is the small gap between the market rate and the rate used for your transfer.
For example, imagine a form quotes 1.00 XMR for 0.9979 zXMR. Those figures are illustrative, not a live quote. The 0.0021 difference is the total cost implied by that example; check the form’s breakdown to see which costs it includes.
For ZeroFi, the live bridge form currently shows a minimum deposit of 0.01 XMR and a destination of Sepolia, Ethereum’s test network. Test tokens have no real market value, so check the selected network before sending anything you value. The form also states that the source chain needs 10 confirmations before the bridge continues.
Check the amount, destination network, and receiving wallet address together. A wallet address can look valid while belonging to a different network or account. Then compare the amount you plan to send with the minimum and the quoted payout; if the amount is below the minimum, do not send it.
The estimate may change before you send if the rate or fees move. If the transfer has already been sent and you need the process for delays, read what ZeroFi does when a transfer stalls. For this step, keep the transaction ID and the quoted amount so you can compare the record with the final payout.
Receiving zXMR does not usually require you to hold the network’s gas token, but moving or using it later may. Gas means the small fee paid to process an action on a blockchain. On an Ethereum-compatible network, that fee is paid in the network’s native token, such as ETH on Ethereum.
Once the bridge reports completion, switch your wallet to the stated destination network and check that it displays zXMR. If the token does not appear, add its verified token address in the wallet; do not resend XMR just because the balance is hidden.