Exchange Monero (XMR) to Tether (USDT)

Exchange XMR to USDT

Convert Monero to Tether without an account. You set the amount, give a USDT address on the network you use, send your XMR, and the stablecoin lands in your wallet, usually within 5 to 30 minutes. Swapuz looks for the XMR to USDT rate across centralized and decentralized liquidity at once, which counts for more on a coin most regulated venues no longer list. Take the floating rate if you want the market price at the moment your deposit confirms, or lock a fixed rate and know the exact amount of USDT in advance.

How to exchange XMR to USDT

The swap runs across three screens: Details, Processing and Finish.

1. Set up the swap. Put XMR in the "You send" field and USDT in "You get", pick the USDT network you need, type the amount, and decide on the rate. Floating is recalculated when your deposit confirms; fixed is locked right away with the padlock icon.

2. Add your USDT address. Paste the address that will receive the stablecoin and check it belongs to the same network you selected. Sending tokens to an address on another network is the most common way people lose funds on this pair, and crypto transfers cannot be recalled.

3. Send your Monero. Swapuz shows a one-time XMR deposit address. Send the exact amount to it from your wallet, by QR code or through WalletConnect. The order then moves through Send Deposit, Confirming, Exchanging and Sending.

4. Get your USDT. When the payout transaction goes out, the order switches to Finish. There is no account and no platform balance involved: your coins pass through the swap and keep going.

Why swap XMR to USDT on Swapuz

• No registration and no KYC by default. The only thing you hand over is the address the USDT goes to.
• Swapuz is non-custodial, so there is no balance to freeze and nothing left on the platform once the swap is done.
• Every order is fixed or floating by your choice, with no account tier deciding it for you.
• Rates come from CEX and DEX liquidity at the same time, across 1,200+ coins. That routing counts for more on Monero than on most assets, because regulated exchanges keep delisting it and what liquidity is left sits scattered across venues.
• USDT on several networks, so the stablecoin goes straight to the wallet or exchange that will use it instead of needing a bridge afterwards.
• The 0.8% service fee and the network withdrawal fee are both on screen before you confirm. An account takes 10% off the service fee.
• No upper limit on a swap, and support answers 24/7.

XMR to USDT exchange rate

The XMR to USDT rate on this page is live and shows the best route Swapuz can find at that moment. Since USDT tracks the dollar, the rate mostly follows the Monero side: what moves it is the XMR price, the depth of Monero liquidity, which has thinned out since the delistings, and the network fee for the USDT payout.

Floating means the USDT amount is settled when your XMR confirms, so it can land above or below the estimate. Fixed locks the amount when you create the order, as long as the deposit arrives inside the window. Fixed is the calmer choice on a day when Monero is moving; floating usually wins by a hair in a quiet market.

The table below converts common Monero amounts at the current rate.