Swap USDT to Monero. Stable in, private out.
Send USDT on Tron and receive XMR at your wallet: the deposit confirms in about a minute, screening runs before the exchange starts, and the Monero payout is sent at a 0.5% floating or 1.0% fixed spread with the network fee shown on the quote.
Last updated
Minimum is 10 USDT
No account · Deposits screened before exchange, never frozen after
Tether is where a lot of crypto actually sits. It does not swing 8% while you sleep, it moves for pennies on Tron, and every market on earth quotes against it. As a parking spot, USDT is genuinely hard to beat. As a place to have financial privacy, it is one of the worst spots in the entire industry.
Every TRC-20 transfer is public, like Bitcoin. But USDT adds a twist Bitcoin does not have: an issuer. Tether the company can freeze any address at the contract level, and it does so regularly when investigators ask. Your balance is an IOU with an off switch. For day-to-day float that is an acceptable deal. For the money you would rather keep to yourself, it is not.
Monero is the opposite trade. Volatile, yes. But nobody can freeze it, nobody can blacklist it, and nobody can read your balance off a block explorer. Moving some USDT into XMR swaps issuer risk and public history for price risk and silence. Plenty of people hold both and use each for what it does best.
This page defaults to USDT on Tron because that is where the cheap transfers live, but we also take USDT on Ethereum and on TON. Tap the coin selector on the card to switch networks. The good news either way: Tron deposits credit after 20 confirmations, which sounds like a lot until you remember Tron blocks take three seconds. Call it one minute.
USDT → XMR, by the numbers
- You send
- Tether (USDT) on the Tron (TRC-20) network.
- You receive
- Monero (XMR) on the Monero network, at an address you control.
- Deposit confirmations
- 20 on Tron (TRC-20). At roughly 3-second blocks, that is about 1 minute of waiting before the exchange starts.
- Minimum swap
- 10 USDT. Below that, network fees would eat too much of the swap to be worth it.
- Spread
- 0.5%, printed on the quote next to the payout network fee. There is no deposit fee.
- Typical total time
- About 5 to 15 minutes from sending your USDT to XMR arriving at your address.
Confirmation counts and minimums above are the live values our exchange engine uses, not marketing copy. Block times are network averages and can vary.
Three steps. One of them is just waiting.
- 01
Set the amount, paste your XMR address
Choose how much USDT you are sending. The card quotes your XMR payout with the spread and network fee already counted in. Paste the Monero address the payout should land at, plus an optional USDT refund address in case the swap cannot complete.
- 02
Send one USDT payment
You get a deposit address on the Tron (TRC-20) network. Send your USDT to it from any wallet, in one payment of at least 10 USDT. No account, no email, nothing to install.
- 03
Watch the order page
Your deposit needs 20 confirmations on Tron (TRC-20), about 1 minute. We screen it before the exchange starts, then send XMR to your address and post the transaction hash on your order page.
Why trade a stablecoin for a privacy coin
Because stability and privacy are different products, and USDT only sells one of them. A stablecoin with a public ledger and a freeze function is great plumbing and terrible secrecy. People who figured that out tend to keep working money in USDT and quiet money in XMR, swapping between the two as life requires.
The freeze risk is not theoretical. Tether has frozen hundreds of millions of dollars across thousands of addresses over the years, usually at the request of investigators, occasionally catching bystanders in the net. You may never be affected. But 'may never' is doing a lot of work in that sentence, and Monero removes the question entirely.
There is also the simple matter of being watched. A TRC-20 address that receives your pay, settles your bills, and holds your savings is a diary anyone can read. Analytics firms scrape Tron just like they scrape Bitcoin. Once you have seen your own month reconstructed from a block explorer, the appeal of a chain that shows nothing gets very concrete.
Doing this swap on a big exchange means an account, KYC, and a third party logging that you specifically bought Monero. Doing it here means pasting an address and sending one transfer. Screening happens before the exchange starts, the deposit either proceeds or returns, and nothing gets frozen afterwards. That policy is the whole company, honestly.
One practical note: pick floating here without much agony. Your Tron deposit confirms in about a minute, so there is barely any time for the XMR price to drift before the rate is set. The half-percent spread is the cheaper option, and the certainty gap is tiny on a one-minute wait.
USDT to XMR, asked and answered
How long does USDT to XMR take?
This is one of the fastest pairs we run, about 5 to 15 minutes. Tron asks for 20 confirmations, but at three-second blocks that is roughly one minute. Screening and the exchange take moments, and the Monero payout typically appears in your wallet within a few minutes. Monero's own rule that incoming funds become spendable after 10 confirmations, about 20 minutes, applies before you can send the XMR onward.
What is the fee difference between TRC-20 and ERC-20 USDT?
Big. A USDT transfer on Tron usually costs well under a dollar. The same transfer on Ethereum is paid in gas, often a few dollars and considerably more when the chain is busy. That is why most retail USDT lives on Tron. We accept USDT on Tron, Ethereum, and TON, and the quote always shows our spread plus the payout network fee, so you can compare the full cost per network on the card itself.
Can I send USDT from Ethereum or TON instead of Tron?
Yes. The card on this page presets Tron because it is the most common, but tap the coin selector and pick USDT on Ethereum (ERC-20) or USDT on TON instead. The important part: send on the same network you picked. A transfer sent on the wrong chain to the wrong address format does not arrive, and recovery ranges from slow to impossible. The address checks on the card help catch this before it happens.
Can Tether really freeze my USDT?
Yes, and it is not a conspiracy theory, it is in the token contract. USDT on every network carries an issuer-controlled blacklist, and Tether uses it routinely on addresses flagged by law enforcement. Frozen USDT simply stops moving, permanently or until lawyers finish arguing. Monero has no issuer, no blacklist, and no equivalent switch, which is precisely the property people are buying when they make this swap.
Do I need an account to swap USDT for XMR?
No account, no email, no KYC under the screening threshold. You set the amount, paste your Monero address, send one USDT transfer, and track everything on the order page. Deposits are risk-screened before the exchange begins: pass and it proceeds, fail and it returns to your refund address. We never freeze a swap after the fact, and a completed swap is final.
What is the minimum USDT swap?
10 USDT. Below that, the payout fee would eat a comical share of the swap, and you would be paying mostly to watch numbers shrink. Above the minimum there is no tier system and no account level, because there are no accounts. If this is your first time here, swapping something near the minimum is a cheap way to watch the whole pipeline run before you commit anything serious.
Floating or fixed for USDT to XMR?
Floating, for most people. The deposit side is a stablecoin that confirms in about a minute, so the rate barely has time to move, and the 0.5% spread is the cheaper of the two. Fixed at 1.0% locks your exact XMR amount when you create the order, which matters if you need a precise figure on the other end. Both modes print the spread and the network fee on the quote.
Where to next
USDT in. XMR out. Nothing to sign up for in between.
Start this swapSetting it up takes under a minute. The blockchain handles the rest.