Monivo

How to swap XMR to USDT: step-by-step guide

Swap Monero (XMR) to Tether (USDT) (USDT) in a few minutes — non-custodial, no account, settled directly to your USDT wallet, typically in 10–25 minutes.

TL;DR

  • • Pick the XMR → USDT pair and enter your amount.
  • • Get a live aggregated quote across providers.
  • • Paste your USDT wallet address.
  • • Choose fixed or floating rate, then send your XMR.
  • • Receive USDT in ~10–25 minutes.
Swap XMR → USDT now →
You Send
You Get
Comparing offers…
XMR → USDTAggregating providers
Best rate
+0.34% vs worst quote
You get
3.8996 USDT
StealthEX logo
via StealthEX~12 min

Best Price Guarantee

We compared 6 providers in real time

You save
+0.17%
+0.00673 USDT extra in your wallet
Best rate
6 offers

Step-by-step: swap XMR to USDT

  1. Step 1

    Pick the XMR → USDT pair

    Select XMR as the asset you're sending and USDT as the asset you want to receive. Confirm the network on each side — USDT on the wrong network can mean lost funds.

  2. Step 2

    Get a live aggregated quote

    Monivo polls every connected provider and shows the best XMR/USDT output for your amount, including the network fee and the exact USDT you'll receive.

  3. Step 3

    Paste your USDT wallet address

    Enter the wallet that should receive your USDT. Double-check the first and last 6 characters — it must be a valid Tether (USDT) address.

  4. Step 4

    Choose fixed or floating rate

    For a stablecoin payout, a floating rate is usually cheapest. Use a fixed rate if you want the USDT amount locked before you deposit.

  5. Step 5

    Send your XMR deposit

    Send the exact XMR amount to the one-time deposit address shown. XMR typically confirms within 10–25 minutes.

  6. Step 6

    Receive your USDT

    Once confirmed, the swap executes automatically and USDT is pushed directly to your wallet — no withdrawal step.

Recommended providers for XMR → USDT

Monivo aggregates quotes across these providers and auto-routes your XMR→USDT trade to whichever pays out the most at quote time. The picks below are the strongest fit for this pair.

  • #1

    ChangeNOW

    No-account, non-custodial swaps across 900+ assets and 70+ networks.

    Why for XMR→USDT: Reliable XMR→USDT liquidity for privacy assets with no account or KYC required.

  • #2

    StealthEX

    Account-free swaps with broad privacy-coin coverage.

    Why for XMR→USDT: Reliable XMR→USDT liquidity for privacy assets with no account or KYC required.

  • #3

    FixedFloat

    Fast, privacy-friendly swaps with no registration and Lightning support.

    Why for XMR→USDT: Reliable XMR→USDT liquidity for privacy assets with no account or KYC required.

Fees, rates, and safety

A XMR→USDT swap has two cost layers: the Monero network fee, and the provider spread baked into the quote. Aggregated routing shows the all-in USDT you receive up front, so compare the net payout — not the headline rate. Use a fixed rate to lock the price before depositing, or a floating rate to settle at market when your deposit confirms. Always verify the destination network and the first and last 6 characters of your USDT address before sending.

XMR → USDT FAQ

Related pair guides

Learn more about swapping XMR to USDT

Ready to swap XMR → USDT?

Open the pre-filled swap and compare the live aggregated rate.

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Canonical: https://monivo.io/guides/swap/xmr-to-usdt