# XMR to USDT BEP20: Monero to Tether (BEP20): no-KYC swap on GhostSwap

> Send Monero (XMR) and receive Tether (USDT BEP20, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. The USDT BEP20 arrives as an ordinary transfer on BNB Smart Chain, while the XMR you send stays private on its own chain. Most XMR to USDT BEP20 swaps are paid out within 20–60 minutes.

Swap page: https://ghostswap.io/exchange/xmr-usdtbsc/
Updated: 2026-10-08

## At a glance

| | |
|---|---|
| You send | Monero (XMR) |
| You receive | Tether (USDT BEP20), BEP-20 token on BNB Smart Chain |
| Your USDT BEP20 address | BNB Smart Chain address that starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby |
| Deposit network fee | Paid in XMR by your wallet |
| Deposit confirmation | About 20 minutes (10 confirmations) on Monero |
| USDT BEP20 payout | Sent to your address as soon as the swap completes; BNB Smart Chain confirms it in under a minute |
| Typical swap time | 20–60 minutes until your USDT BEP20 is sent |
| Reference rate | 1 XMR ≈ 558.9718 USDT BEP20 · 1 USDT BEP20 ≈ 0.001789 XMR (market prices, 8 Oct 2026) |
| Limits | Minimum about 0.054 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 BEP20 on BscScan |
| Reverse swap | [USDT BEP20 to XMR](https://ghostswap.io/exchange/usdtbsc-xmr/) |

## How much USDT BEP20 you get (quoted 8 Oct 2026, 06:42 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.2 XMR | 109.5988 USDT BEP20 |
| 1 XMR | 549.8473 USDT BEP20 |
| 5 XMR | 2,751.06 USDT BEP20 |

## How to swap XMR to USDT BEP20

1. Open https://ghostswap.io/exchange/xmr-usdtbsc/ and enter the amount of XMR to send.
2. Paste the USDT BEP20 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 BEP20 in your wallet and follow the status page with your swap ID.

## Getting USDT on BNB Smart Chain (BEP-20) for Monero

This pair pays out Tether on BNB Smart Chain for Monero. BNB Smart Chain is an EVM network with 0x addresses, and its USDT is the BEP-20 token that BscScan lists as BSC-USD. People choose it to hold USDT in Trust Wallet, MetaMask or a BSC app rather than on Ethereum or Tron. The payout is public on BscScan, while the XMR you send stays private on the Monero chain.

Plan for 20 to 60 minutes: the XMR deposit is usually credited within about 20 minutes, then BNB Smart Chain confirms the USDT in seconds. A 0x address is valid on Ethereum and BNB Smart Chain alike, so the coin you pick in the exchange box decides the network, not the address. Picking the wrong USDT would send the payout to the right address on the wrong chain.

### Tips

- Select USDT BEP20 as the coin you receive. USDT ERC20, USDT TRC20 and USDT on other networks are separate entries.
- If the USDT does not appear in your wallet, add contract 0x55d398326f99059fF775485246999027B3197955 on BNB Smart Chain.
- Keep a little BNB in the receiving wallet; most BSC wallets need it as gas to move the USDT.

### Can I swap XMR to USDT BEP20 without an account or KYC?

Yes. Swapping XMR to BEP-20 USDT needs no sign-up, email or ID. Give your BNB Smart Chain 0x address for the USDT and a Monero address for refunds, check the floating rate and send the XMR.

### Why is my USDT called BSC-USD on BscScan?

That is the name of the USDT token contract on BNB Smart Chain. It is the same BEP-20 USDT that BSC wallets and apps use, and most wallets display it simply as USDT.

## FAQ

### How long does it take to swap XMR to USDT BEP20 on GhostSwap?

Most XMR to USDT BEP20 swaps are paid out within 20–60 minutes: the XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero, then the USDT BEP20 is sent to your wallet, and BNB Smart Chain confirms the payout in under a minute. Busy networks can add a few minutes.

### How much USDT BEP20 do I get for 5 XMR?

At 8 Oct 2026, 06:42 UTC, 5 XMR swapped to about 2,751.06 USDT BEP20 on GhostSwap, after the service fee and the USDT BEP20 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 (BEP20)?

The GhostSwap fee is already included in the rate in the exchange box, so the USDT BEP20 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 BEP20?

To receive Tether (BEP20) from your swap, we recommend using Trust Wallet, MetaMask or Rabby. Make sure your wallet supports the BNB Smart Chain (BEP-20) network before starting the exchange. Double-check your USDT BEP20 address before confirming, cryptocurrency transactions cannot be reversed.

### What format is the USDT BEP20 address?

Use a BNB Smart Chain address: it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Copy it from your wallet and paste it; never type it by hand. Sending USDT BEP20 to an address on another network can lose the coins.

### Can I track my XMR to USDT BEP20 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 incoming USDT BEP20 on BscScan (https://bscscan.com).

### Is it safe to exchange XMR for USDT BEP20 on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your XMR deposit is converted and the USDT BEP20 is sent straight to the BNB Smart Chain address you enter, so check that address twice, BNB Smart Chain transfers cannot be reversed.

### Will my USDT BEP20 be linked to my XMR?

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 BEP20 you receive will appear as a fresh transaction on the BNB Smart Chain (BEP-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 BEP20?

Converting Monero to Tether (BEP20) 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 XMR to USDT BEP20 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 BEP20 to XMR](https://ghostswap.io/exchange/usdtbsc-xmr/) ([Markdown](https://ghostswap.io/exchange/usdtbsc-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)