如何将 USDT 兑换为 XMR？

输入您想兑换的 Tether (USDT) 金额，粘贴您的 Monero 钱包地址并确认存款。Monivo 聚合多家供应商报价，并将 XMR 直接发送到您的钱包 — 无需账户。

USDT 兑换 XMR 需要多久？

大多数 USDT/XMR 兑换会在 5–20 分钟内完成，具体取决于 Tether (USDT) 网络的确认时间。

将 USDT 兑换为 XMR 的费用是多少？

Monivo 聚合报价并选择最佳可执行汇率。显示的金额即为您实际收到的金额，无隐藏点差。Tether (USDT) 网络费另计。

将 USDT 兑换为 XMR 需要账户吗？

不需要。Monivo 是非托管平台：提供 Monero 地址即可直接从您的钱包兑换。

USDT 兑换 XMR 的最低金额是多少？

最低金额由获胜的流动性供应商设定，并在您确认前实时显示。

将 Tether (USDT) (USDT) 兑换为 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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正在获取实时报价…

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. 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
Detail	You send — USDT	You 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)
Confirmations	1–12 confirmations depending on network	10 confirmations (~20 minutes)
Typical processing	Typically 5–15 minutes end to end	Typically 20–40 minutes end to end
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 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.

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端到端加密

经过审查的交易伙伴

通过以下方式路由

在确认前，请验证目标地址和网络——加密货币转账不可逆。

费用和定价

零附加费用：Monivo 不收取平台费、最低费用或提现费 — 您看到的汇率就是您得到的汇率。区块链网络费用在您确认前会完整显示，您收到的最终金额会预先报价。

Monivo 不会向提供商报价添加额外的费用或加价。当通过我们的平台推荐完成兑换时，Monivo 可能会从流动性提供商处赚取佣金。提供商的点差和适用的网络成本已反映在报价金额中。

网络费用由区块链设定，而非 Monivo。无需账户，无需订阅，也无提现费用。24/7 全天候在线支持。

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.

Related pairs

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

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