Select XMR as the coin you're sending, paste your USDT wallet address (TRC-20 if you like cheap and fast, ERC-20 if you're an Ethereum loyalist, or TON if Telegram is your second home), and hit swap. CoinVast quotes you a single rate, a flat 2% spread locked the moment you create the swap, shows you a one-time deposit address, and once the Monero network confirms your transaction (10 confirmations, roughly 20 minutes), your USDT lands in your wallet. The rate you see is the rate you get. Minimum send is 0.05 XMR. Nobody asks for your name, your government ID, or why you think privacy is a basic human right.
1 XMR ≈ 537.68 USDT right now, our flat 2% spread already included.
Last reviewed · rates and limits are live
≈ $301.68
≈ $294.14
Your rate locks the moment you create the swap and holds for the full 30-minute deposit window.
No account · Deposits screened before exchange, never frozen after
Monero is the coin that actually does what most people think Bitcoin does. Fully private transactions. No transparent blockchain for randos, analytics companies, and nosy governments to browse through like a public Instagram. Every XMR transaction hides the sender, the receiver, and the amount by default. Not as an optional toggle. Not as a "shielded pool." Just... private. The way financial transactions probably should have been all along.
But privacy coins have a shelf life problem in 2026. Exchanges keep delisting XMR. Regulators keep pretending that financial privacy is only useful for crimes (as if they don't have curtains on their own windows). The number of places where you can actually do something with your Monero shrinks every quarter. And that's exactly why the XMR to USDT swap matters more than it ever has.
USDT is the world's most traded stablecoin. Roughly $1, always. It runs on Tron, Ethereum, TON, and a growing list of other chains. It is accepted practically everywhere in crypto. It is the universal language that every exchange, every DeFi protocol, and every crypto debit card speaks fluently. When you convert XMR to USDT, you go from the most private coin in existence to the most liquid stablecoin in existence. That's not a downgrade. That's a strategic exit.
CoinVast is one of the shrinking number of services that still supports Monero swaps. While most major exchanges have quietly removed XMR from their listings (Binance, OKX, the list keeps growing), CoinVast keeps the pair live because we believe privacy is not a crime. You send XMR from your wallet, you get USDT in your wallet. No account, no identity documents, no compliance theater. The whole flow is non-custodial, which means your keys never leave your hands and your coins never sit in someone else's database.
In 2026, the Monero to USDT route through CoinVast is one of the cleanest off-ramps left for XMR holders. The network requires 10 confirmations (about 20 minutes), USDT payouts go to whichever chain you prefer, and the entire thing works without you telling anyone who you are. If that sounds too simple, it's because it is.
Confirmation counts and minimums above are the live values our exchange engine uses, not marketing copy. Block times are network averages and can vary.
Choose how much XMR you are sending. The card quotes your USDT payout with the spread and network fee already counted in. Paste the Tron (TRC-20) address the payout should land at, plus an optional XMR refund address in case the swap cannot complete.
You get a deposit address on the Monero network. Send your XMR to it from any wallet, in one payment of at least 0.05 XMR. No account, no email, nothing to install.
Your deposit needs 10 confirmations on Monero, about 20 minutes. We screen it before the exchange starts, then send USDT to your address and post the transaction hash on your order page.
The off-ramp problem is the big one. Monero's privacy features are legendary, but try spending it somewhere. Go ahead. You'll discover that the number of merchants, exchanges, and services accepting XMR directly has been shrinking like a wool sweater in a hot dryer. Converting to USDT opens every door that XMR currently can't. You can move USDT to any exchange, load it onto a crypto debit card, send it to a friend, or use it in DeFi protocols that have never heard of ring signatures. It's the bridge from privacy to utility.
Locking in profits without leaving crypto is the second most common reason. Monero's price can be wonderfully volatile. If you bought XMR at $120 and it's sitting at $250, you might want to secure those gains without wiring money to a bank and explaining to a compliance officer where your "digital cash" came from. Swapping to USDT freezes your dollar value on chain. You're still in crypto, still liquid, still ready to buy back in when the chart dips to a price that makes your heart sing.
Regulatory pressure keeps pushing people toward this trade. As more exchanges delist Monero, holders are realizing they need a plan B for their XMR. Converting to USDT while you still can, through services that still support it, is the financial equivalent of packing a go bag. You don't want to be the person scrambling for an off-ramp when the last few close. USDT gives you optionality. You can sit on it, trade it, or convert to fiat later through any of a thousand on-ramps that welcome Tether with open arms.
Privacy rotation is a real strategy. Some people hold Monero specifically for its privacy properties and then periodically rotate into stablecoins when they need to interact with the broader crypto ecosystem. It's like wearing a disguise to the party and then changing into regular clothes when you get there. The Monero leg of the journey is private. The USDT leg is liquid. Together they give you the best of both worlds.
DeFi access matters more than ever. The stablecoin lending and yield farming opportunities in 2026 are genuinely attractive, with USDT lending rates on platforms like Aave, Compound, and newer protocols offering predictable APY. Monero, by design, doesn't play in the DeFi sandbox. Converting XMR to USDT lets you put your money to work earning yield instead of sitting in a wallet doing absolutely nothing except being beautifully private.
Sometimes you just need dollars that aren't dollars. Paying freelancers, settling debts with crypto-native friends, buying goods from vendors who accept stablecoins, topping up a prepaid card for real world spending. USDT handles all of this. XMR, for all its technical brilliance, is like bringing a Swiss army knife to a world that only accepts credit cards. The swap gets you from one to the other in 20 minutes.
0.05 XMR. Depending on the current price, that's roughly $10 to $15, enough to test the entire flow without putting serious money on the line. Send the minimum, watch USDT appear in your wallet, confirm everything works, then go bigger.
CoinVast waits for 10 confirmations on the Monero network, which takes approximately 20 minutes. Monero blocks arrive about every 2 minutes, so 10 confirmations means roughly 10 blocks. After that, your USDT is sent and arrives within seconds on TRC-20 or TON, or a couple of minutes on ERC-20. Total time from start to finish is usually under 25 minutes. Pour yourself a coffee. It'll be done before you finish it.
TRC-20 on Tron is the crowd favorite. Transfers cost almost nothing and confirm in seconds. It's the best option if you plan to move or spend your USDT frequently. ERC-20 keeps your Tether on Ethereum, which is ideal if you're heading into Ethereum based DeFi protocols or need compatibility with ERC-20 wallets. TON is the newer option and works beautifully inside the Telegram ecosystem with very low fees. Pick the network that matches your wallet and your plans. Just make absolutely sure your receiving wallet supports the network you selected.
None whatsoever. CoinVast is non-custodial. You provide a USDT receiving address, send XMR to the deposit address, and the swap happens. No email, no phone number, no passport photo, no video call with a "verification specialist" named Dave. Automated pre-screening runs on transactions for compliance purposes, but you never create an account or hand over personal information.
Regulatory pressure. Monero's privacy features make it impossible for blockchain analytics companies to trace transactions, and regulators in several jurisdictions have decided that untraceable = suspicious. Major exchanges like Binance and OKX dropped XMR from their listings. Many swap services followed. CoinVast still supports Monero because we think financial privacy is a feature, not a bug. How long that remains the case depends on a regulatory landscape that changes faster than Monero's hash rate, so if this pair matters to you, don't assume it'll be here forever.
CoinVast quotes one rate, a flat 2% spread over the mid-market price, and it's locked the instant you create the swap. You know exactly how much USDT you'll receive before you send a single XMR, so it doesn't matter that the Monero network takes about 20 minutes to confirm. The price can do whatever it likes during that window and your payout doesn't change. The rate you see is the rate you get, with no separate tiers and nothing to choose between.
Yes. The reverse pair works with the same non-custodial, no-KYC flow. Select USDT as the send coin (on TRC-20, ERC-20, or TON), paste your XMR wallet address, and go. This is actually a popular route for people who want to buy Monero without going through an exchange that requires identity verification. Full circle privacy.
This is the one thing you cannot afford to get wrong. If you select TRC-20 but paste an ERC-20 address (or any other mismatch), the USDT could be lost permanently. Blockchains are not customer service friendly about this. TRC-20 addresses start with a "T," ERC-20 addresses start with "0x," and TON addresses have their own format. CoinVast shows you the selected network before you confirm. Read it. Check it. Then check it again. Five extra seconds of attention can save you from a very expensive lesson.
CoinVast handles swaps across a wide range of sizes. For large amounts, the locked rate works in your favor: because the 2% spread is fixed the instant you create the swap, price movement during the 20 minute confirmation window can't eat into your total. The swap is non-custodial, meaning CoinVast doesn't hold your funds beyond the time it takes to process the trade. That said, if you're moving a truly massive amount, consider splitting it into multiple swaps to reduce exposure to any single transaction. Common sense applies, same as it does with any financial move.
Setting it up takes under a minute. The blockchain handles the rest.