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

Swapping Monero (XMR) to Tether (USDT) is the private off-ramp most XMR holders actually need — you get a dollar-pegged payout without touching a KYC exchange, and you pick the network that's cheapest to move USDT next (TRC-20 for near-zero fees, ERC-20 for DeFi, or Solana / L2 for speed). Monivo compares non-custodial routes so a single quote → deposit → payout, executed and settled by the provider you select, gets you from Monero into stablecoins in under 45 minutes.

You Send

You Get

Fetching live quotes…

How it works

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

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

XMR → USDT routing details

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

Fixed rate or floating rate for XMR → USDT?

Fixed rate

The USDT amount is locked when you confirm. The provider carries the market risk while your XMR 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 XMR deposit lands. It can pay out more USDT than a fixed quote, but the final amount can move up or down while the deposit confirms.

Why swap XMR to USDT on Monivo

Aggregated rate comparison. Monivo compares quotes across multiple providers so your USDT 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 XMR or USDT. The Tether (USDT) is sent straight to the wallet address you provide.
No account. No sign-up and no email for standard XMR/USDT swaps; the executing provider may still request verification.
Fixed or floating rate. Lock the XMR/USDT rate at quote time, or use the market rate at execution.

Why swap XMR → USDT

Lock XMR gains into a USD-pegged stable without opening an account or passing KYC.
Move to USDT-TRC20 for cheap peer-to-peer transfers or remittances.
Sit out volatility while keeping funds fully self-custodied.
Route around Binance / Kraken-EU / OKX delistings — these venues no longer let you sell XMR at all.

Network fees explained

Sending XMR

Monero fees are dynamic but genuinely cheap — usually a fraction of a cent thanks to bulletproofs+ and ring signatures. Your wallet (Cake, Feather, Monero GUI, Monerujo) sets the priority; standard confirms in about 20 minutes over 10 network confirmations.

Receiving USDT

Pick your USDT network based on how you'll use it next, not just the fee. USDT-TRC20 (Tron) is the cheapest to receive and re-send (~$1). USDT-ERC20 pays live Ethereum gas — best only if you're heading straight into EVM DeFi. USDT on Solana, Optimism or Arbitrum sits between the two, at fractions of a cent to a few cents. Monivo's network guard blocks you from selecting a payout network your destination wallet can't actually receive.

Best wallets for USDT

Trust Wallet. Multi-chain wallet with strong USDT-TRC20 and USDT-BEP20 support.
MetaMask. Best for USDT-ERC20 and USDT on EVM L2s (Arbitrum, Optimism, Polygon).
Phantom. Native Solana wallet — best for USDT-SPL.
Ledger. Hardware-backed cold storage for larger stablecoin balances.

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.

XMR → USDT FAQ

How do I swap XMR to USDT?

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

How long does a XMR to USDT swap take?

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

What's the fee to swap XMR to USDT?

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 Monero apply on top.

Do I need an account to exchange XMR for USDT?

No. Monivo is non-custodial — provide a Tether (USDT) address and swap directly from your wallet.

What's the minimum XMR to USDT swap?

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

Is XMR → USDT really no-KYC on Monivo?

Monivo does not ask you for an account or identity documents, and routes through non-custodial swap providers (Changelly, ChangeNOW, FixedFloat, SimpleSwap, StealthEX, LetsExchange, ChangeHero, Godex). The provider that executes the swap applies its own verification requirements and may request information or documents before it releases your payout.

Which USDT network should I pick when selling Monero?

USDT-TRC20 for the cheapest payout and cheapest onward transfers — ideal if you just want to hold or move stablecoins peer-to-peer. USDT on Solana or an EVM L2 (Optimism, Arbitrum, Base) is the sweet spot for DeFi at low cost. USDT-ERC20 only if you're going straight into mainnet Ethereum DeFi.

Why can't I just sell XMR on Kraken or Binance?

Binance, Kraken (EU only), OKX, Huobi and Bittrex have all delisted Monero under regulatory pressure on privacy coins. The exchanges that still list XMR (Kraken outside the EU, KuCoin, MEXC) require full KYC and often restrict unhosted-wallet deposits. Non-custodial swap aggregators like Monivo are how most XMR holders now off-ramp.

How long does XMR → USDT take?

Around 25–45 minutes end-to-end: Monero needs ~10 confirmations (about 20 minutes), the swap provider then settles USDT to your destination address within a few minutes.

Do I need to disclose the source of my XMR?

Monivo does not ask for identity documents or a source-of-funds statement for crypto-to-crypto swaps. The provider that executes the swap applies its own verification requirements and may request information or documents, including about the origin of funds, before it releases your payout.

Related pairs

How Monivo stacks up against other exchanges and routes for these assets.

Compare exchanges

Keep exploring

All guides Monero hub All coins Compare coins Swap rate comparison Rate index Swap FAQ Help & FAQ Privacy coins Non-custodial exchanges Start a swap