# USDT to XTZ: Tether (ERC20) to Tezos — no-KYC swap on GhostSwap > Send Tether (USDT, an ERC-20 token on Ethereum) and receive Tezos (XTZ) in your own wallet, with no account and no KYC. It turns a dollar balance into Tezos in one step. Most USDT to XTZ swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdt20-xtz/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Tether (USDT), ERC-20 token on Ethereum | | You receive | Tezos (XTZ) | | Your XTZ address | Tezos address that starts with tz1, tz2 or tz3. Wallets: Temple or Kukai | | Deposit network fee | Paid in ETH, so keep a little ETH next to your USDT | | Deposit confirmation | About 2–5 minutes on Ethereum | | XTZ payout | Sent to your address as soon as the swap completes; Tezos confirms it in a few minutes | | Typical swap time | 10–25 minutes until your XTZ is sent | | Reference rate | 1 USDT ≈ 3.2330 XTZ · 1 XTZ ≈ 0.309308 USDT (market prices, 2 Oct 2026) | | Limits | The exact minimum and maximum USDT 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; USDT on Etherscan; XTZ on TzKT | | Reverse swap | [XTZ to USDT](https://ghostswap.io/exchange/xtz-usdt20/) | ## How to swap USDT to XTZ 1. Open https://ghostswap.io/exchange/usdt20-xtz/ and enter the amount of USDT to send. 2. Paste the XTZ address that should receive the coins. 3. Enter the USDT address you are sending from, then confirm. 4. Send the USDT to the one-time deposit address shown. 5. Receive XTZ in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap USDT to XTZ on GhostSwap? Most USDT to XTZ swaps are paid out within 10–25 minutes: the USDT deposit needs about 2–5 minutes to confirm on Ethereum, then the XTZ is sent to your wallet, and Tezos confirms the payout in a few minutes. Busy networks can add a few minutes. ### How much is 1 USDT in XTZ? 1 USDT is worth about 3.2330 XTZ at the market rate, before fees (market prices, 2 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XTZ network fee. The rate floats with the market until your USDT deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange USDT to XTZ? No. GhostSwap has no accounts: you paste the Tezos address that should receive the XTZ, send USDT from your own wallet, and the XTZ goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Tether (ERC20) to Tezos? The GhostSwap fee is already included in the rate in the exchange box, so the XTZ amount you see is what you receive. On top of that, your wallet needs a little ETH to pay the Ethereum network fee for sending USDT. ### What wallet should I use to receive XTZ? To receive Tezos from your swap, we recommend using Temple or Kukai. Make sure your wallet supports the Tezos network before starting the exchange. Double-check your XTZ address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the XTZ address? Use a Tezos address: it starts with tz1, tz2 or tz3. Copy it from your wallet and paste it; never type it by hand. ### Can I track my USDT to XTZ 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 USDT payment on Etherscan (https://etherscan.io) and your incoming XTZ on TzKT (https://tzkt.io). ### Is it safe to exchange USDT for XTZ on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your USDT deposit is converted and the XTZ is sent straight to the Tezos address you enter, so check that address twice — Tezos transfers cannot be reversed. ### Why swap USDT to XTZ? Converting Tether (ERC20) to Tezos moves dollar-pegged funds into Tezos. Tezos is the native coin of its own blockchain. Unlike a stablecoin, its price moves with the market. GhostSwap needs no account on a centralized exchange and no KYC. ### What happens if my USDT to XTZ exchange fails? If a swap cannot be completed, the USDT is refunded to the Ethereum 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: XTZ to USDT](https://ghostswap.io/exchange/xtz-usdt20/) ([Markdown](https://ghostswap.io/exchange/xtz-usdt20.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)