USDT to XMR Exchange Convert Tether to Monero
Exchange Tether (USDT) for Monero (XMR) with no sign-up. Our fee of up to 0.4% is already included in the rate, and XMR is sent directly to your own wallet.
How to exchange Tether to Monero
- Enter the amount of USDT you want to send. The calculator shows how much XMR you get.
- Choose a floating rate, or a fixed rate if you want the XMR amount locked.
- Paste your Monero address (CryptoNote / Bulletproofs+). Add a memo or tag if your wallet requires one.
- Send USDT to the one-time deposit address on the Multi-Chain (TRC20 / ERC20 / SPL) network, exactly as shown.
- Once the deposit is confirmed, XMR is sent to your wallet. Most exchanges take 5–30 minutes.
Need help? See choosing the right network and memo and tags.
About exchanging Tether to Monero
USDT is a stablecoin issued on public chains, and its transfers are fully visible. Many people receive income or payments in USDT, then swap part of it to XMR to hold or spend without exposing balances and transaction history. Monero hides the sender, receiver and amount on its blockchain by default, using ring signatures, stealth addresses and RingCT.
The key detail with USDT is the network. The same token exists on TRON (TRC-20), Ethereum (ERC-20), BNB Smart Chain (BEP-20), Solana (SPL) and TON, and BreezeSwap uses TRC-20 as the default. Select the network that matches where your USDT actually is. Sending on the wrong network may cause loss or require manual recovery. If you are unsure, check the network label in your wallet's send screen.
No account or sign-up is needed. Send USDT to the one-time deposit address, and XMR is paid directly to your Monero wallet. Note that the two assets behave differently: USDT tracks the US dollar, while the value of XMR moves with the market. The swap converts at the rate shown and does not preserve a dollar value afterward.
Tips for this pair
- On TRON, sending USDT requires TRX in your wallet to cover energy or bandwidth. Without it, the transfer will fail or never broadcast.
- For ERC-20 USDT, your wallet needs ETH for gas. The network fee on your deposit is paid by your wallet and is separate from the quote.
- TRON and Ethereum transfers confirm within seconds to a minute. Most of the waiting is on the Monero side, where the payout needs 10 confirmations, about 20 minutes, before it is spendable.
- Standard Monero addresses start with 4, subaddresses with 8. Payment IDs are rarely needed for personal wallets, so leave that field empty unless your recipient asks for one.
- For an extra routing step between deposit and payout, see Private Swap.
Guides for USDT to XMR
Network Intelligence: USDT & XMR
Technical blockchain specifications and consensus mechanics for this swap pair.
Tether USD (USDT)
Multi-Chain (TRC20 / ERC20 / SPL)World's most liquid fiat-pegged stablecoin with $1 USD reserve parity for instant hedging.
Asset-Backed Peg
Varies by host network
Monero (XMR)
CryptoNote / Bulletproofs+Ring signatures, stealth addresses and RingCT hide the sender, receiver and amount of every transaction by default.
RandomX (Proof-of-Work)
2 minutes
Fee Included in the Rate
Our fee of up to 0.4% and the network fee for your XMR payout are already included in the amount you see. No hidden fees.
Non-Custodial Direct Payout
We never hold or store user balances. Swapped XMR is broadcast straight to your personal wallet address.
Fast Execution
The exchange starts automatically as soon as your USDT deposit is confirmed on the Tether network.
Frequently Asked Questions: USDT to XMR
Common questions about converting Tether to Monero.
Enter the amount of USDT in the calculator, choose floating or fixed rate, and paste your Monero wallet address. Then send USDT to the one-time deposit address on the network shown. Once the deposit is confirmed, XMR is sent to your wallet automatically.
No account or email address is required to exchange USDT for XMR. Identity verification (KYC) is not required for most swaps, but our liquidity partners may request it, for example if a deposit is flagged by automated risk screening or for residents of certain jurisdictions.
On the Monero blockchain, ring signatures, stealth addresses and RingCT hide the sender, receiver and amount. BreezeSwap does not require an account. For an extra routing step between your deposit and payout, use Private Swap.
Most USDT to XMR exchanges complete in 5–30 minutes. Timing depends mainly on how fast the Tether network confirms your deposit and on current network congestion.
Our service fee of up to 0.4% is already included in the exchange rate, and there are no additional fees. The network fee for sending your XMR payout is also included in the estimated amount. The only extra cost is the network fee your own wallet charges when you send USDT.
If a fixed rate is available for this pair, select "Fixed Rate" in the calculator. The amount of XMR you receive is then locked while the countdown on your order page runs, provided you send exactly the quoted amount of USDT.
With a floating rate, a different amount within the limits is usually exchanged at the current rate. With a fixed rate, it may be exchanged at the current rate or refunded. For a refund or any problem, contact support via live chat or tickets@breezeswap-io.p.tawk.email with your Exchange ID.