XMR to USDT ERC20: Convert Monero to Tether on Ethereum, No KYC
To convert XMR to USDT ERC20, type the amount, add the Ethereum address that will hold the Tether (0x and 40 hex characters) and the Monero address you send from, then pay the XMR into the single-use deposit address from a fully synced wallet. No account, email or ID is asked for, and the USDT goes out on Ethereum after your Monero deposit reaches 10 confirmations, roughly 20 minutes.
Updated 5 November 2026
- Within minutes
- No account · No KYC
- Paid to your wallet
- Fees included in quote
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Data by CoinGecko
XMR to USDT Exchange Rate
The 1 Monero to Tether (ERC20) reference rate at market prices, before fees.
XMR to USDT swap at a glance
Send XMR from Feather, Cake Wallet or Monero GUI.
It is a cross-chain swap from Monero to Ethereum, with no bridge and no wrapped tokens.
- Send XMRAbout 20 minutes (10 confirmations) to confirm on Monero
- GhostSwap swaps itAt the floating rate, fees already in the quote
- Receive USDTSent to your address; Ethereum confirms in about 2–5 minutes
How much USDT do I get for XMR?
GhostSwap quotes at 5 Nov 2026, 00:27 UTC, after the service fee and the cost of sending the USDT to your wallet.
0.2XMR1XMR2.5XMRThe rate floats with the market until your XMR deposit confirms.
XMR to USDT at the market rate, before fees
| XMR | USDT, market rate, before fees |
|---|---|
| 0.047 XMR | 29.9987 USDT |
| 0.05 XMR | 31.9135 USDT |
| 0.1 XMR | 63.8271 USDT |
| 0.2 XMR | 127.6542 USDT |
| 0.5 XMR | 319.1354 USDT |
| 1 XMR | 638.2708 USDT |
| 2.5 XMR | 1,595.68 USDT |
| 10 XMR | 6,382.71 USDT |
| 25 XMR | 15,956.77 USDT |
Market prices of $637.9000 per XMR and $0.999419 per USDT on 5 Nov 2026. The box above shows the amount after all fees.
XMR to USDT price chart, market rate before fees
XMR/USDT (ERC20)
How do I exchange XMR to USDT?
Pick XMR and USDT
Pick XMR in “You send” and USDT in “You get”, then enter the amount. The box shows how much USDT you get after all fees, and the minimum for this pair.
Paste your Ethereum address
Paste the Ethereum address that should receive the USDT: it starts with 0x followed by 40 hexadecimal characters. Wallets that work: MetaMask, Rabby or a Ledger. Then enter the Monero address you send XMR from; a refund, if ever needed, goes there.
Send XMR on Monero
Send exactly the amount shown from your own Monero wallet to the one-time deposit address, on the Monero network.
Receive USDT
Your USDT is paid out once your XMR deposit confirms, and Ethereum then confirms it in about 2–5 minutes. Most swaps finish within minutes. The exact time depends on how fast each network confirms your deposit. Follow each step on the status page with your swap ID.
Getting the XMR out of your wallet
Start with a wallet that has finished syncing. Feather, Cake Wallet and Monero GUI all show a progress bar or a block height; until it reaches the top of the chain, the balance can be incomplete and a transfer may fail or build on stale data. A wallet on a remote node catches up in seconds, one on your own node can take longer after a few days offline.
Only unlocked XMR can be spent. Funds that came in during the last 10 blocks are still locked, so if the wallet will not send the full figure from the box, give it a few minutes more.
The Monero fee is tiny and comes on top of what you send. Leave the priority on the default setting; a higher one rarely changes much for a single payment. Enter the exact amount from the box rather than sweeping the whole balance. After you send, the deposit needs 10 confirmations, with a Monero block about every two minutes.
The 0x address that receives the Tether
ERC-20 USDT is paid to an Ethereum account: 0x followed by 40 hexadecimal characters. You get one from MetaMask, Rabby or the Ethereum app on a Ledger. Many addresses mix capital and small letters; that pattern is a built-in checksum, so paste the address exactly as the wallet shows it.
The same 0x string also exists on BNB Smart Chain, Polygon and other EVM networks. This pair sends Tether on Ethereum mainnet only. If you meant to receive USDT on BNB Smart Chain or Polygon, open XMR to USDT BEP20 or XMR to USDT Polygon instead, because each of those pays a different token.
If privacy matters to you, use a 0x address that has never been used before. Etherscan shows every incoming and outgoing transfer of an address, so an unused one keeps this payout separate from anything you did before.
Gas, the token contract and the issuer
Holding USDT on Ethereum costs nothing. The first time you move it, you will need ETH for gas, because ERC-20 transfers cannot pay their own fee. A new wallet that has only received USDT is stuck until some ETH arrives. One simple fix is a small second swap with XMR to ETH, sent to that same Ethereum account.
When the payout shows up, confirm it is the real thing. Genuine Tether on Ethereum comes from contract 0xdAC17F958D2ee523a2206206994597C13D831ec7. Scam tokens copy the name and symbol and get sent to random wallets; if a wallet lists two USDT entries, trust only the one with that contract.
It also helps to know who controls the token. Tether Limited can freeze USDT held at an Ethereum address, as it can on every chain where the token exists. Monero has no such issuer, which is one reason people convert only what they need.
Which USDT network fits what you do next
| If the USDT is going to | Receive it as | Keep this coin for later fees |
|---|---|---|
| An Ethereum app, a hardware wallet, a larger long-term balance | ERC20 (this page) | ETH |
| Someone who asked for a T-address, frequent small payments | TRC20 | TRX |
| A BNB Smart Chain wallet or app | BEP20 | BNB |
| A Polygon app | Polygon | POL |
The Monero side of the swap is identical in every row. Only the payout chain changes, and with it the coin you need for moving the USDT afterwards. Ethereum gas is usually the highest of these, so ERC20 makes most sense when the money stays put for a while or is headed for an Ethereum app. If you are not sure what the recipient expects, ask before you swap: a token on the wrong chain means a second conversion later.
Refunds and proving a Monero payment
The form asks for a Monero address of your own as the sender address. If a swap cannot be completed, the XMR is sent back to the Monero address you gave there, so copy it from your own wallet, never from an exchange account.
The status page for your swap ID follows the deposit through its confirmations to the Ethereum payout. Once the USDT has gone out, the status page links the payout, and anyone can look it up on Etherscan.
The XMR half is different. Monero transfers do not show the receiver or the amount on a public explorer, so support cannot simply look your deposit up by address. Keep the transaction ID from your wallet. Feather and Monero GUI can also show the transaction key for a payment, which proves it was sent. If the status stops moving long after 10 confirmations, email support@ghostswap.io, listing the swap ID next to that transaction ID, and do not resend.
Why convert Monero to Tether on Ethereum
The usual reason is price. XMR can move several percent in a day, and a payment due next week is easier to plan in dollars. Converting part of a Monero balance to USDT fixes that value while the rest stays private.
ERC20 is the version to pick when the money is going into Ethereum: a lending app, a hardware wallet that already holds your ETH, or a contact who works with Ethereum addresses only. It also matters that Monero is listed on fewer platforms each year, as the Monero delistings tracker records. A swap from your own wallet avoids that problem and needs no sign-up.
Be aware of what you give up. On Monero, outsiders cannot see your balance. On Ethereum, the USDT and every later transfer of it are public. Many people convert just the amount they are about to use. The Monero price page helps you pick a moment.
Common mistakes with XMR to USDT
- Sending from a Monero wallet that has not finished syncing, so the balance or transfer is wrong.
- Pasting a Tron T-address in the payout field when this pair pays Tether on Ethereum.
- Expecting the USDT on BNB Smart Chain or Polygon because the 0x address is the same there.
- Receiving into a brand-new Ethereum wallet and having no ETH to move the Tether later.
- Trusting a second "USDT" entry in the wallet without checking its contract address.
XMR to USDT: questions and answers
What is Monero? Monero (XMR) is the leading privacy cryptocurrency and hides the sender, receiver and amount of every transaction by default. Monero price today
What is Tether? Tether on Ethereum (USDT ERC-20) is the most widely used stablecoin in cryptocurrency, pegged 1:1 to the US Dollar.