Swap Tether (USDT) to Monero (XMR)
Exchange Tether for Monero without an account. Enter an amount, give a Monero address, send the exact USDT amount shown — your XMR follows once the deposit confirms.
USDT to XMR rate
Market rate, updated 2026-10-26 12:48 UTC1 USDT = 0.00168731 XMR
1 XMR = 592.66 USDT
Tether is trading at $0.99935 and Monero at $592.28. Your quote applies a 0.5% swap fee and a network-fee charge for theMonero payout to this rate, and shows the exact XMR you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 10.01 USDT | 0.016884 XMR | $10 |
| 50.03 USDT | 0.08442 XMR | $50 |
| 100.1 USDT | 0.16884 XMR | $100 |
| 500.3 USDT | 0.8442 XMR | $500 |
| 1001 USDT | 1.6884 XMR | $1,000 |
| 5003 USDT | 8.442 XMR | $5,000 |
USDT to XMR swap details
- Minimum swap
- $100 (≈ 100 USDT)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the Monero payout transaction, shown in the quote
- Quote valid for
- 90 seconds to accept, then refreshed
- USDT deposit confirmation
- Verified on the Tether network before the payout is released
- XMR payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange Tether (USDT) to Monero (XMR)?
Every Tether transaction is public. Swap USDT to XMR and the Monero you receive is hidden on-chain — the amount, the sender and your address.
The USDT/XMR exchange rate, the network fee and the swap fee are shown before you send a single USDT. The XMR amount quoted is the XMR amount you get.
Nothing is asked of you beyond a Monero address. Send the exact USDT figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending Tether
Tether (USDT) is the largest US-dollar stablecoin, issued on several networks; a USDT token on one network is not the same token as on another, so the network you send on has to match the one you pick.
USDT can be sent on Ethereum (ERC-20), Tron (TRC-20), BNB Smart Chain (BEP-20), Polygon, Solana and Arbitrum One. Choose the network in the widget first: the deposit address belongs to that network and USDT sent on any other network cannot be recovered.
Your USDT deposit is verified on the Ethereum (ERC-20) network before the swap proceeds — typically a few minutes on Ethereum, well under a minute on Tron or BNB Smart Chain after you send.
Pick the network in the widget before sending and use the matching address — USDT sent on the wrong network cannot be recovered by us. Only the networks shown in the widget can be deposited.
Receiving Monero
Monero is a privacy coin where every transaction is private by default: ring signatures hide the sender, stealth addresses hide the receiver and RingCT hides the amount.
Your Monero goes to the address you give, and only that address. Accepted formats: standard addresses are 95 characters starting with 4; subaddresses start with 8; integrated addresses start with 4 and are 106 characters.
Any standard address or subaddress works. Because Monero amounts are hidden on-chain, only you and your wallet can see the payout land.
The payout is sent once your deposit is confirmed. Monero blocks arrive about 2 minutes, so it is usually spendable within minutes of being sent.
How to swap USDT to XMR
Full details →- 01Get a USDT to XMR quote
Enter how much Tether you want to convert. You see the live USDT to XMR rate, both fees and the exact Monero you will receive before you commit.
- 02Send your Tether
You get a Tether (USDT) deposit address and an exact amount. Send it from any Tether wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive Monero (XMR)
Once the USDT deposit confirms on-chain, Monero is sent to the Monero address you gave. Track it on the swap’s status page, no login needed.
Tether (USDT) to Monero (XMR) FAQ
- What does the USDT to XMR rate mean?
- It is how much Monero (XMR) you receive for each Tether (USDT) you send, taken from live market prices at the moment you ask for a quote. The rate moves with the market, so you have 90 seconds to accept a quote and create the swap; the widget refreshes it automatically if you take longer. Funding the swap once it exists has its own separate deadline, shown on your swap page.
- How do I convert USDT to XMR?
- Enter the amount of USDT in the widget, choose XMR as what you receive, and give a Monero address. You are shown a deposit address and an exact USDT amount; send that amount and the XMR is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange USDT for XMR?
- Two, both shown in the quote before you send: a swap fee of 0.5% of the amount, and a network-fee charge for the Monero payout transaction. There is nothing added afterwards — the XMR amount in the quote is the XMR amount that arrives.
- What is the minimum USDT/XMR exchange amount?
- $100 worth, shown in the widget as an amount of USDT at the current rate. There is no maximum imposed by the site beyond available Monero liquidity, and no verification at any size.
- Do I need an ID to swap USDT to XMR?
- No. There is no KYC, no account and no email required. A swap is identified by its link, which shows its status without logging in. Creating an account is optional and only keeps your swap history in one place.
- How long do USDT to XMR swaps take?
- Tether deposits usually confirm in a few minutes on Ethereum, well under a minute on Tron or BNB Smart Chain, after which the deposit is verified on-chain. Swap times vary by asset and by how quickly its network confirms. Your swap status page shows the current stage throughout the process.
- Which network can I send USDT on?
- Ethereum (ERC-20), Tron (TRC-20), BNB Smart Chain (BEP-20), Polygon, Solana and Arbitrum One. Select the network before you start; the deposit address is specific to it. Pick the network in the widget before sending and use the matching address — USDT sent on the wrong network cannot be recovered by us. Only the networks shown in the widget can be deposited.
- What happens if my USDT deposit is late or the swap expires?
- There are two separate deadlines. The quote itself is held for 90 seconds — that is how long you have to accept the price and create the swap. Once the swap exists you get a separate funding window, shown on your swap page, to send the USDT. If your deposit arrives after that window closes, the status page shows Expired and the swap moves to Review required; it is then completed at the current rate or refunded to your refund address. Nothing is lost by being late — a late deposit just needs review before it is processed.
- Is exchanging USDT for XMR private?
- Your USDT deposit is visible on the Tether ledger like any USDT transaction. The Monero payout is not: ring signatures, stealth addresses and RingCT hide the sender, the receiving address and the amount on-chain. We store only what a swap needs — amounts, transaction ids and the address you gave.
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