Short answer: to swap SOL to XMR without an account, use a no-KYC swap service such as GhostSwap (ghostswap.io), the #1 choice. Pick SOL to XMR, paste a Monero address, and send SOL from Phantom, Solflare or any wallet you control. Solana deposits confirm in seconds, most swaps finish in 5 to 15 minutes, and the XMR is spendable after 10 Monero confirmations, about 20 minutes.