Floating rate explained: why your final swap amount can differ

Every swap on xswap.to uses a floating rate. The amount shown before you send is an estimate at the current rate, with the deposit fee and the payout network fee already taken out. The swap runs after your deposit confirms, on the amount that arrived, so a market move, a slow confirmation or a smaller deposit can change what you receive.

How the estimate becomes your final amount

1. You enter an amount. The swap form shows You Get (Estimated), plus a Network Fee in the coin you receive and a Deposit Fee in the coin you send. Both fees are already taken out of the estimate.
2. You create the order. Exchange Now gives you a one-time deposit address and the amount to send.
3. You send the deposit. Your wallet charges its own network fee to send it. That fee is separate and is not part of the estimate.
4. The deposit confirms. The swap then runs at the rate of that moment, on the amount that arrived.
5. The payout goes out. The coins go to your address with the payout network fee taken out, and the order page shows the received amount once the swap is finished.

So the estimate shows what your amount would get at the moment you look. The final amount is set later, once your coins are in and confirmed.

Floating rate vs fixed rate

A floating rate follows the market until your swap runs. You see an estimate, and the final amount can come out a little higher or a little lower.

A fixed rate works differently. A service that offers one holds a quote for a short deposit window, as long as the deposit arrives in time and matches the amount quoted, and takes the price risk during that window. It usually prices that risk into the quote, so a held quote and a floating estimate for the same pair can differ.

xswap.to offers the floating rate only. Every order on every pair is floating, and there is no option to hold a quote. What you can control is how long your deposit takes and how much of it arrives, which the sections below cover.

What can move the amount between quote and payout

• The market. Prices keep moving while your deposit waits for confirmations. The longer that takes, the more room the rate has to move, in either direction. A Bitcoin deposit sent with a low fee is a typical case, as how long a crypto swap takes explains.
• The amount that arrives. The payout is worked out from what reached the deposit address, not from what you typed into the form.
• Network fees. The payout network fee in the estimate is itself an estimate (the order page labels it Est. Network Fee). It follows conditions on the receiving network, so it can differ by the time the payout is sent.
• Time before you send. An estimate from earlier in the day reflects earlier prices. Check it again right before you create the order.

Which fees are already in the estimate

Two fees come out of the estimate before you see it:

• The deposit fee, in the coin you send, shown as Deposit Fee in the swap form.
• The payout fee, in the coin you receive, shown as Network Fee. It pays for the transaction that delivers your coins.

The network fee your own wallet charges to send the deposit is not in the estimate. It goes to the sending network and is separate from the amount the order expects. xswap.to receives a commission from the exchange partner on completed swaps, included in the quoted rate.

Payout fees depend on the network you receive on. The weekly snapshot below lists the deposit fee, payout fee and minimum for USDT on the networks in the last check:

من فحصنا الأسبوعي بتاريخ 2026-11-07. الرسوم بوحدات كل عملة: تُخصم رسوم الإيداع مما ترسله ورسوم الدفع مما تستلمه. التقدير المباشر في نموذج التبديل محدّث دائماً.

Other coins are on the network fees page, and network fees explained shows how to read these tables.

If you send a different amount than the order shows

The order page shows the amount to send, and the estimate is based on it. If a different amount arrives, the payout is worked out from what arrived:

• More arrives: you receive more, at the rate when the swap runs.
• Less arrives: you receive less.
• Less than the minimum for the pair arrives: the exchange partner cannot finish the swap, and getting those coins back is not assured.

A smaller amount can arrive without you noticing. Some exchanges take their withdrawal fee out of the amount you enter, and some wallets do the same when you send your full balance. If you withdraw from an exchange, check the amount that will arrive and add the fee if needed. Pair pages such as BTC to ETH list the minimum to send.

How to keep the final amount close to the estimate

• Check the estimate right before you click Exchange Now, then send soon after the order is created.
• Send the amount shown on the order page from a wallet you control.
• Pay a normal network fee so the deposit does not sit unconfirmed while the market moves.
• Choose the receiving network with its payout fee in mind.
• Stay well above the minimum, so a fee taken on the way cannot push what arrives below it.
• Pair pages can show the market price range over the last 30 and 90 days. It tells you how much the pair has moved, but it is a market figure, not your swap rate.

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Received less than the estimate? Check these

Start from the order page. If you closed it, the Track Order page lists the orders created in this browser.

1. Look up your deposit hash (from your wallet history) on the explorer of the sending network and check how much arrived. Compare it with the amount the order asked for. Finding a transaction on a block explorer shows where to look.
2. Check how long the deposit took to confirm. A long wait gives the rate more time to move.
3. Compare the Est. Network Fee on the order page with the Network Fee you saw in the swap form.
4. Check the Recipient and the payout network on the order page.
5. If the gap is much larger than these explain, message @xswap_to on Telegram with the transaction ID and your deposit hash.

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