Swap Bitcoin (BTC) to Tether (USDT) (USDT)

Converting Bitcoin (BTC) to Tether (USDT) is how most traders realise gains without leaving crypto. Monivo aggregates quotes across providers and lets you settle USDT on the network that's cheapest to move next — Tron (TRC-20) for near-zero fees, Ethereum (ERC-20) for DeFi, or Solana / BSC / Arbitrum for specific ecosystems.

You Send

You Get

Fetching live quotes…

How it works

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

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

BTC → USDT routing details

Monivo requests quotes from every connected liquidity provider for this route and shows the one that pays out the most USDT. Rates are live, so the exact amount you receive is confirmed in the widget above before you send anything, with zero added fees on top of the rate you see.

Network and settlement details for swapping Bitcoin to Tether (USDT)
Detail	You send — BTC	You receive — USDT
Supported networks	Bitcoin (native)	Tron (TRC-20) — cheapest to move Ethereum (ERC-20) — widest acceptance Solana (SPL) BNB Chain (BEP-20) Arbitrum / Polygon
Confirmations	1–2 confirmations (~10–20 minutes)	1–12 confirmations depending on network
Typical processing	Typically 10–30 minutes end to end	Typically 5–15 minutes end to end
Custody	Sent from your own BTC 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 BTC → USDT?

Fixed rate

The USDT amount is locked when you confirm. The provider carries the market risk while your BTC deposit confirms, so the payout matches the quote even if the price moves. Best when you need certainty on the exact amount received.

Floating rate

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

Why swap BTC 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 BTC or USDT. The Tether (USDT) is sent straight to the wallet address you provide.
No account. No sign-up, no email, no KYC for standard BTC/USDT volumes.
Fixed or floating rate. Lock the BTC/USDT rate at quote time, or use the market rate at execution.

Why swap BTC → USDT

Lock in Bitcoin profits into a USD-pegged stable without a centralised exchange.
Move to USDT-TRC20 for cheap peer-to-peer or cross-border transfers.
Fund a Solana or BSC wallet with a stable balance before trading.
Sit out volatility while keeping funds self-custodied.

Network fees explained

Sending BTC

Standard Bitcoin miner fee applies on the send side — set by your wallet, typically a few dollars.

Receiving USDT

USDT on Tron settles for cents. USDT on Ethereum costs whatever gas is at settlement time. USDT on Solana / BSC / Arbitrum sits between the two. Pick the network based on what you'll do with the USDT next — not just the receive fee.

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 storage for larger stable balances across networks.

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

Zero added fees: Monivo does not add a platform fee, a minimum or a withdrawal charge — the rate you see is the rate you get. Blockchain network fees are shown in full before you confirm, and the final amount you receive is quoted up front.

Monivo does not add a separate fee or markup to the provider quote. Monivo may earn a commission from the liquidity provider when a completed swap is referred through our platform. Provider spreads and applicable network costs are 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.

BTC → USDT FAQ

How do I swap BTC to USDT?

Enter the amount of Bitcoin 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 BTC to USDT swap take?

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

What's the fee to swap BTC 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 Bitcoin apply on top.

Do I need an account to exchange BTC for USDT?

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

What's the minimum BTC to USDT swap?

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

Which USDT network is cheapest?

USDT on Tron (TRC-20) is the cheapest to send, usually under $1. USDT on Ethereum (ERC-20) is the most widely accepted but pays Ethereum gas on every transfer.

Can I swap BTC directly to USDT on Solana?

Yes. Pick USDT-SOL as the destination and paste a Solana address — the aggregated route settles USDT-SPL to your Phantom or Solflare wallet.

Is USDT fully backed?

Tether Ltd. publishes quarterly attestations of its reserves. USDT trades at ~1 USD but is not the same as holding dollars in a bank — that's a trade-off inherent to any centralised stablecoin.

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Canonical: https://monivo.io/swap/btc-to-usdt