# USDT to ZEC: Tether (ERC20) to Zcash: no-KYC swap on GhostSwap > Send Tether (USDT, an ERC-20 token on Ethereum) and receive Zcash (ZEC) in your own wallet, with no account and no KYC. Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address. Most USDT to ZEC swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdt20-zec/ Updated: 2026-10-08 ## At a glance | | | |---|---| | You send | Tether (USDT), ERC-20 token on Ethereum | | You receive | Zcash (ZEC) | | Your ZEC address | Zcash address that starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo | | Deposit network fee | Paid in ETH, so keep a little ETH next to your USDT | | Deposit confirmation | About 2–5 minutes on Ethereum | | ZEC payout | Sent to your address as soon as the swap completes; Zcash confirms it in about 10–20 minutes | | Typical swap time | 10–25 minutes until your ZEC is sent | | Reference rate | 1 USDT ≈ 0.000807 ZEC · 1 ZEC ≈ 1,239.18 USDT (market prices, 8 Oct 2026) | | Limits | Minimum about 31 USDT. 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; ZEC on Blockchair | | Reverse swap | [ZEC to USDT](https://ghostswap.io/exchange/zec-usdt20/) | ## How much ZEC you get (quoted 8 Oct 2026, 06:40 UTC, after all fees) | You send | You receive | |---|---| | 100 USDT | 0.079308 ZEC | | 500 USDT | 0.398275 ZEC | | 2500 USDT | 1.9931 ZEC | ## How to swap USDT to ZEC 1. Open https://ghostswap.io/exchange/usdt20-zec/ and enter the amount of USDT to send. 2. Paste the ZEC 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 ZEC in your wallet and follow the status page with your swap ID. ## USDT (ERC20) to Zcash: what to know before you swap USDT to ZEC swaps Tether on Ethereum into Zcash. USDT balances are public and can be frozen by the issuer; Zcash lets you shield your coins in your wallet for private transfers. No account is needed. The ERC20 deposit confirms within a minute or two; Zcash blocks arrive about every 75 seconds. ### Tips - Use a transparent Zcash address (t1 or t3) for the payout, then shield the ZEC in your wallet. - You need a little ETH in the sending wallet to pay gas for the USDT transfer. - If your USDT is on Tron, pick USDT TRC20 as the coin you send instead. ### Can I swap USDT to ZEC without KYC? Yes. Paste your Zcash address and send the USDT. No account or ID. ### Which Zcash address should I use? A transparent address (t1 or t3). Shield the ZEC in your wallet afterwards to make it private. ## FAQ ### How long does it take to swap USDT to ZEC on GhostSwap? Most USDT to ZEC swaps are paid out within 10–25 minutes: the USDT deposit needs about 2–5 minutes to confirm on Ethereum, then the ZEC is sent to your wallet, and Zcash confirms the payout in about 10–20 minutes. ### How much is 1 USDT in ZEC? 1 USDT is worth about 0.000807 ZEC 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 ZEC network fee. The minimum for this pair is about 31 USDT. The Ethereum network fee for sending the USDT is paid separately, in ETH. The rate floats with the market until your USDT deposit confirms. ### Can I send USDT straight to my ZEC address? No. USDT moves on Ethereum and ZEC on Zcash, so USDT can only be sent to an Ethereum address. To swap, send the USDT to the one-time deposit address GhostSwap shows, and the ZEC is paid to the Zcash address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive ZEC? Use a Zcash address from a wallet you control, such as Zodl (formerly Zashi), Zkool or Zingo. All three can move ZEC into the shielded pool. The address starts with t1 or t3 for a transparent address. GhostSwap never holds your funds: the ZEC is sent straight to the address you enter. ### Which USDT network does this USDT to ZEC swap use? The USDT you send is an ERC-20 token on Ethereum, sent from an Ethereum wallet that also holds a little ETH for the network fee. The same swap on other networks: [USDT TRC20 to ZEC](https://ghostswap.io/exchange/usdtrx-zec/), [USDT BEP20 to ZEC](https://ghostswap.io/exchange/usdtbsc-zec/), [USDT SOL to ZEC](https://ghostswap.io/exchange/usdtsol-zec/), [USDT Polygon to ZEC](https://ghostswap.io/exchange/usdtpolygon-zec/). ### Can my USDT to ZEC swap be traced? Your USDT transaction to GhostSwap is visible on the Ethereum (ERC-20) blockchain since Tether (ERC20) is transparent: visible on Etherscan like any ERC-20 token. However, once your ZEC arrives in your wallet, Zcash privacy is optional: it supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. By swapping USDT to ZEC on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together. ### Is it legal to own and swap Zcash? In most countries, yes: owning and swapping Zcash is not banned, although some centralized exchanges have stopped listing privacy coins in certain regions. Privacy is a legitimate need, and using privacy-enhancing tools is not illegal in itself. You are responsible for following the cryptocurrency rules where you live. ### What happens if my USDT to ZEC exchange fails? If a swap cannot be completed, the USDT is refunded to the Ethereum address you entered as the sender address. ## Related - [Reverse: ZEC to USDT](https://ghostswap.io/exchange/zec-usdt20/) ([Markdown](https://ghostswap.io/exchange/zec-usdt20.md)) - [No-KYC Zcash exchange: all routes, minimums and times](https://ghostswap.io/zcash-exchange/) ([Markdown](https://ghostswap.io/zcash-exchange.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)