# XMR to USDT: Monero to Tether (ERC20) — no-KYC swap on GhostSwap

> Send Monero (XMR) and receive Tether (USDT, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. The USDT arrives as an ordinary transfer on Ethereum, while the XMR you send stays private on its own chain. Most XMR to USDT swaps finish in 20–60 minutes.

Swap page: https://ghostswap.io/exchange/xmr-usdt20/
Updated: 2026-10-02

## At a glance

| | |
|---|---|
| You send | Monero (XMR) |
| 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 XMR by your wallet |
| Deposit confirmation | About 20 minutes (10 confirmations) on Monero |
| USDT payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes |
| Typical swap time | 20–60 minutes until your USDT is sent |
| Reference rate | 1 XMR ≈ 546.7643 USDT · 1 USDT ≈ 0.001829 XMR (market prices, 2 Oct 2026) |
| Limits | Minimum about 0.055 XMR. The exact minimum and maximum XMR 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 |
| Reverse swap | [USDT to XMR](https://ghostswap.io/exchange/usdt20-xmr/) |

## How much USDT you get (quoted 2 Oct 2026, 09:31 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.2 XMR | 107.1815 USDT |
| 1 XMR | 538.6131 USDT |

## How to swap XMR to USDT

1. Open https://ghostswap.io/exchange/xmr-usdt20/ and enter the amount of XMR to send.
2. Paste the USDT address that should receive the coins.
3. Enter the XMR address you are sending from, then confirm.
4. Send the XMR to the one-time deposit address shown.
5. Receive USDT in your wallet and follow the status page with your swap ID.

## Monero to USDT (ERC20): what to know before you swap

XMR to USDT turns private Monero into a dollar-pegged stablecoin on Ethereum, for example to lock in a price or to pay someone in USDT. GhostSwap does it without an account; the USDT is sent to the Ethereum address you enter.

If you prefer lower fees for later transfers, consider receiving USDT on Tron with the XMR to USDT TRC20 pair.

### Tips

- Ethereum addresses start with 0x. Make sure your wallet supports ERC20 tokens.
- You will need some ETH later to move the USDT, because ERC20 transfers pay gas in ETH.
- Send XMR from your own wallet and enter that wallet's address as the sender address.

### Can I swap Monero to USDT without KYC?

Yes. No account or ID: choose XMR and USDT, enter your USDT address and send the XMR deposit.

### ERC20 or TRC20 USDT?

Both are supported. TRC20 (Tron) is usually cheaper to transfer afterwards; ERC20 works with Ethereum wallets and DeFi.

## FAQ

### How long does it take to swap XMR to USDT on GhostSwap?

Most XMR to USDT swaps finish in 20–60 minutes. Your XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero; after that the USDT is sent to your wallet and Ethereum confirms it in about 2–5 minutes. Busy networks can add a few minutes.

### How much USDT do I get for 1 XMR?

At 2 Oct 2026, 09:31 UTC, 1 XMR swapped to about 538.6131 USDT on GhostSwap, after the service fee and the USDT network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### What are the fees for converting Monero 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 Monero network fee for your deposit is paid in XMR by your wallet.

### What wallet should I use to receive USDT?

To receive Tether (ERC20) from your swap, we recommend using MetaMask, Trust Wallet, or any ERC-20 compatible wallet. 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 a 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 XMR 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 XMR payment on XMRChain (limited info due to Monero's privacy features) (https://xmrchain.net) and your incoming USDT on Etherscan (https://etherscan.io).

### Is it safe to exchange XMR for USDT on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your XMR 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.

### Will my USDT be linked to my XMR?

Since Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction, the source of your funds is already protected. The USDT you receive will appear as a fresh transaction on the Ethereum (ERC-20) blockchain with no visible connection to your XMR holdings. GhostSwap requires no KYC, so there's no account linking the two.

### Why swap XMR to USDT?

Converting Monero to Tether (ERC20) lets you exit a volatile crypto position into a dollar-pegged stablecoin without using a centralized exchange or going through KYC. This is useful for locking in profits, protecting against market downturns, or preparing funds for future trades — all while maintaining your privacy.

### What happens if my XMR to USDT exchange fails?

If a swap cannot be completed, the XMR is refunded to the Monero 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 XMR](https://ghostswap.io/exchange/usdt20-xmr/) ([Markdown](https://ghostswap.io/exchange/usdt20-xmr.md))
- [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md))
- [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/)
- [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)