# ADA to USDT: Cardano to Tether (ERC20): no-KYC swap on GhostSwap > Send Cardano (ADA) and receive Tether (USDT, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into USDT locks in a dollar value without selling on a centralized exchange. Most ADA to USDT swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/ada-usdt20/ Updated: 2026-10-08 ## At a glance | | | |---|---| | You send | Cardano (ADA) | | You receive | Tether (USDT), ERC-20 token on Ethereum | | Your USDT address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | Deposit network fee | Paid in ADA by your wallet | | Deposit confirmation | A few minutes (blocks about every 20 seconds) on Cardano | | USDT payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes | | Typical swap time | 10–25 minutes until your USDT is sent | | Reference rate | 1 ADA ≈ 0.252049 USDT · 1 USDT ≈ 3.9675 ADA (market prices, 8 Oct 2026) | | Limits | Minimum about 120 ADA. The exact minimum and maximum ADA amounts are shown live in the exchange box | | Account / KYC | None for standard swaps: no sign-up, no email, no ID | | Tracking | Status page with your swap ID; ADA on Cardanoscan; USDT on Etherscan | | Reverse swap | [USDT to ADA](https://ghostswap.io/exchange/usdt20-ada/) | ## How much USDT you get (quoted 8 Oct 2026, 06:33 UTC, after all fees) | You send | You receive | |---|---| | 500 ADA | 123.6368 USDT | | 2500 ADA | 619.4693 USDT | | 10000 ADA | 2,478.84 USDT | ## How to swap ADA to USDT 1. Open https://ghostswap.io/exchange/ada-usdt20/ and enter the amount of ADA to send. 2. Paste the USDT address that should receive the coins. 3. Enter the ADA address you are sending from, then confirm. 4. Send the ADA to the one-time deposit address shown. 5. Receive USDT in your wallet and follow the status page with your swap ID. ## Cardano to USDT on Ethereum: from addr1 to 0x ADA to USDT ERC-20 is for Cardano holders who need Tether on Ethereum specifically, for example to settle an invoice priced in ERC-20 USDT or to move into an Ethereum lending app. A Cardano addr1 address cannot hold ERC-20 tokens, so the payout needs an Ethereum wallet with a 0x address. The USDT is paid to the address you enter, and there is no account. Cardano adds a block about every 20 seconds and the ADA deposit is usually confirmed within a few minutes; the USDT then confirms on Ethereum in about 2 to 5 minutes, so most swaps finish in 10 to 25 minutes. Delegating ADA does not lock it, so you can send it while it stays delegated. The ADA you send comes from your address balance; rewards in the separate reward account have to be withdrawn first. ### Tips - Use the 0x address of MetaMask, Rabby or a Ledger's Ethereum account. Moving ERC-20 USDT later normally costs gas in ETH, so plan to keep a little ETH there. - Send native ADA from Eternl, Lace or VESPR and enter its addr1 address as the sender address. Cardano BSC, the BEP-20 version of ADA, is a different coin. - Need USDT on another network? USDT TRC20 (Tron) and USDT BEP20 (BNB Smart Chain) are separate receive coins with their own address formats. ### Can I swap ADA to USDT without KYC? Yes. No account, no email and no ID upload are needed for a standard swap. Enter your Ethereum address, check the floating rate shown before you send, and send ADA from your own wallet; a refund goes back to your addr1 sender address. ### Will swapping ADA affect my stake pool delegation? No. Delegation is set on your stake key, not on individual coins, so the ADA left in the wallet stays delegated and keeps earning. The ADA you send simply stops counting toward your stake from the next snapshot. ## FAQ ### How long does it take to swap ADA to USDT on GhostSwap? Most ADA to USDT swaps are paid out within 10–25 minutes: the ADA deposit needs a few minutes (blocks about every 20 seconds) to confirm on Cardano, then the USDT is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes. ### How much is 1 ADA in USDT? 1 ADA is worth about 0.252049 USDT at the market rate, before fees (market prices, 8 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT network fee. The minimum for this pair is about 120 ADA. The rate floats with the market until your ADA deposit confirms, so the exchange box shows the exact amount before you send. ### What are the fees for converting Cardano to Tether (ERC20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT amount you see is what you receive. On top of that, the Cardano network fee for your deposit is paid in ADA by your wallet. ### What wallet should I use to receive USDT? To receive Tether (ERC20) from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your USDT address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDT address? Use an Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending USDT to an address on another network can lose the coins. ### Can I track my ADA to USDT swap? Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your ADA payment on Cardanoscan (https://cardanoscan.io) and your incoming USDT on Etherscan (https://etherscan.io). ### Is it safe to exchange ADA for USDT on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your ADA deposit is converted and the USDT is sent straight to the Ethereum address you enter, so check that address twice, Ethereum transfers cannot be reversed. ### Why swap ADA to USDT? Converting Cardano to Tether (ERC20) moves the value into a dollar-pegged stablecoin in your own wallet, without using a centralized exchange or going through KYC. ### What happens if my ADA to USDT exchange fails? If a swap cannot be completed, the ADA is refunded to the Cardano address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network. ## Related - [Reverse: USDT to ADA](https://ghostswap.io/exchange/usdt20-ada/) ([Markdown](https://ghostswap.io/exchange/usdt20-ada.md)) - [All GhostSwap pairs](https://ghostswap.io/exchange/) - [How to exchange](https://ghostswap.io/how-to-exchange/) - [Site guide for AI assistants](https://ghostswap.io/llms.txt)