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Monivo

Intercambiar Tether (USDT) (USDT) por 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 picks the best cross-chain route across FixedFloat, Changelly and ChangeNOW and delivers native XMR to a wallet you control — no account, no KYC, no bridge tokens.

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How it works

  1. 1. Enter the amount of USDT to swap.
  2. 2. Paste your Monero wallet address.
  3. 3. Pick a fixed or floating rate.
  4. 4. Send USDT to the one-time deposit address.
  5. 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. 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 Tether (USDT) to Monero
DetailYou send — USDTYou receive — XMR
Supported networks
  • Tron (TRC-20) — cheapest to move
  • Ethereum (ERC-20) — widest acceptance
  • Solana (SPL)
  • BNB Chain (BEP-20)
  • Arbitrum / Polygon
  • Monero (native)
Confirmations1–12 confirmations depending on network10 confirmations (~20 minutes)
Typical processingTypically 5–15 minutes end to endTypically 20–40 minutes end to end
CustodySent 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 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 USDT deposit lands. Usually pays out slightly 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, no email, no KYC for standard USDT/XMR volumes.
  • 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.
Sin custodia
Cifrado de extremo a extremo
Socios de intercambio verificados
Enrutado vía

Verifica la dirección y la red de destino antes de confirmar: las transferencias de cripto son irreversibles.

Comisiones y precios

Cero comisiones añadidas: Monivo no añade comisión de plataforma, mínimo ni cargo por retiro — la tasa que ves es la que recibes. Las comisiones de red de la blockchain se muestran por completo antes de que confirmes, y el monto final que recibes se cotiza desde el principio.

Monivo no añade una comisión ni un margen propio sobre la cotización del proveedor. Monivo puede recibir una comisión del proveedor de liquidez cuando un intercambio completado se refiere a través de nuestra plataforma. Los márgenes del proveedor y los costes de red aplicables ya están reflejados en el importe cotizado.

Las comisiones de red las fija la blockchain, no Monivo. Sin cuenta, sin suscripción y sin cargo por retiro. Soporte en vivo disponible 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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Canonical: https://monivo.io/swap/usdt-to-xmr