Swap Tether (USDT) (USDT) to Monero (XMR)

Swapping Tether (USDT) to Monero (XMR) is the fastest way to move a dollar-denominated crypto balance into private, non-custodial Monero. Whether you're sending from USDT-TRC20, USDT-ERC20, USDT on Solana or an EVM L2, Monivo compares cross-chain routes across connected providers such as FixedFloat, Changelly and ChangeNOW, and the provider you select delivers native XMR to a wallet you control — no Monivo account and no identity documents to start, and no bridge tokens. The provider that executes the swap applies its own verification requirements and may request information or documents.

You Send

You Get

Fetching live quotes…

How it works

1. Enter the amount of USDT to swap.
2. Paste your Monero wallet address.
3. Pick a fixed or floating rate.
4. Send USDT to the one-time deposit address.
5. Receive XMR in your wallet.

Read the full USDT → XMR step-by-step guide →

USDT → XMR routing details

Monivo requests quotes from every connected liquidity provider for this route and shows the one that pays out the most XMR. The amount shown is an estimate that depends on the rate type you pick and the provider's own terms; it is confirmed in the widget above before you send anything, with zero added fees on top of the rate you see. The selected provider receives your deposit and settles the payout.

Network and settlement details for swapping Tether (USDT) to Monero
Detail	You send — USDT	You receive — XMR
Supported networks	Tron (TRC-20) Ethereum (ERC-20) Solana (SPL) BNB Chain (BEP-20) Arbitrum / Polygon	Monero (native)
Confirmations	1–12 confirmations, depending on the network	10 confirmations (~20 minutes)
Typical processing	Indicative: usually 5–15 minutes end to end, provider-dependent	Indicative: usually 20–40 minutes end to end, provider-dependent
Custody	Sent from your own USDT wallet to a one-time deposit address.	Paid straight to the Monero address you provide — Monivo never holds funds.

Fixed rate or floating rate for USDT → XMR?

Fixed rate

The XMR amount is locked when you confirm. The provider carries the market risk while your USDT deposit confirms, so the payout matches the quote as long as you send on time and within the quoted limits. Best when you need certainty on the exact amount received.

Floating rate

The swap executes at the market rate when your USDT deposit lands. It can pay out more XMR than a fixed quote, but the final amount can move up or down while the deposit confirms.

Why swap USDT to XMR on Monivo

Aggregated rate comparison. Monivo compares quotes across multiple providers so your XMR payout reflects the strongest quote Monivo found at that moment — with zero added fees, so you can compare elsewhere before confirming.
Non-custodial. Monivo never holds your USDT or XMR. The Monero is sent straight to the wallet address you provide.
No account. No sign-up and no email for standard USDT/XMR swaps; the executing provider may still request verification.
Fixed or floating rate. Lock the USDT/XMR rate at quote time, or use the market rate at execution.

Why swap USDT → XMR

Move stablecoin savings off centralised or KYC-heavy platforms into private XMR.
Convert USDT earned from trading or freelance work into Monero without an exchange withdrawal.
Send stablecoins in from a cheap network (TRC-20, Solana) and receive private XMR.
Fund a new Monero wallet from an existing USDT balance in under 20 minutes.

Network fees explained

Sending USDT

USDT send fees depend entirely on the network you're sending from. USDT-TRC20 (Tron) is the cheapest, at roughly $1 per send. USDT-ERC20 pays live Ethereum gas — usually a few dollars. USDT on Solana costs fractions of a cent; USDT on Arbitrum, Optimism or Base is well under $0.20. Pick the source network your USDT already sits on — no need to bridge.

Receiving XMR

The XMR payout is covered by the routing provider — no Monero pre-funding required. Future XMR sends from your wallet cost a fraction of a cent thanks to Monero's fee market.

Best wallets for XMR

Cake Wallet. Non-custodial multi-platform starter — iOS, Android, macOS, Linux, Windows.
Feather Wallet. Lightweight desktop wallet with Tor built in — privacy purist's pick.
Monero GUI. Official Monero wallet — full-node mode for maximum trust minimisation.
Monerujo. Android-only, F-Droid distribution, Ledger support over USB-OTG.

Non-custodial

Encrypted end-to-end

Vetted swap partners

Routed via

Verify the destination address and network before confirming — crypto transfers are irreversible.

Fees and pricing

Monivo does not add a separate platform fee. The quoted receive amount reflects the executing provider's pricing and applicable payout costs. Your sending wallet or exchange may charge its own network or withdrawal fee. The amount shown is an estimate; fixed and floating quotes follow the provider's terms.

Monivo does not add a separate platform fee. Some partner quotes include a small affiliate margin that is retained by Monivo as a referral commission; this margin is included in the rate shown, not added on top. Provider spreads and applicable network costs are also reflected in the quoted amount.

Network fees are set by the blockchain, not by Monivo. No account, no subscription and no withdrawal charge. Live support is available 24/7.

USDT → XMR FAQ

How do I swap USDT to XMR?

Enter the amount of Tether (USDT) you want to exchange, paste your Monero wallet address, and confirm the deposit. Monivo aggregates quotes from multiple providers and settles XMR directly to your wallet — no account required.

How long does a USDT to XMR swap take?

Most USDT/XMR swaps complete in 5–20 minutes, depending on Tether (USDT) network confirmation times.

What's the fee to swap USDT to XMR?

Monivo aggregates quotes and routes to the best executable rate. The displayed quote is what you receive — there is no hidden spread. Network fees for Tether (USDT) apply on top.

Do I need an account to exchange USDT for XMR?

No. Monivo is non-custodial — provide a Monero address and swap directly from your wallet.

What's the minimum USDT to XMR swap?

Minimums are set by the underlying liquidity provider and shown live before you confirm a quote.

Which USDT network is fastest to swap into XMR?

USDT on Solana or an L2 (Optimism, Arbitrum, Base) settles in seconds on the source side, so the swap starts almost immediately. USDT-TRC20 is nearly as fast. USDT-ERC20 depends on Ethereum block times and gas conditions.

Do I need to run my own Monero node to receive?

No — a remote node works fine for receiving. If you plan to hold or spend serious XMR, running your own node is the single biggest privacy upgrade you can make: it prevents third-party node operators from correlating your IP with subaddress lookups.

Is USDT → XMR reversible if I send to the wrong Monero address?

No — like all crypto swaps, once the XMR is broadcast the transaction is final. Double-check the Monero receiving address (Monero uses long addresses starting with '4' for mainnet primary addresses, '8' for subaddresses).

How long does USDT → XMR take?

Typically 10–25 minutes. Source-side confirmations are quick (seconds on Solana / L2s, a few minutes on Tron or Ethereum), and the XMR payout usually lands within one Monero block after the swap engine releases it.

Why can't I just buy XMR on Coinbase or Binance?

Neither lists Monero — Coinbase has never supported it and Binance delisted it globally in 2024. Kraken (outside the EU) and KuCoin still list XMR but require full KYC. Non-custodial aggregators like Monivo route around the delistings using swap providers that still support XMR.

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