Swap USDT to ADA in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the ADA goes straight to the wallet address you enter.
Enter the amount of Tether (ERC20) you want to swap in the widget above. It shows an estimate of the Cardano you will receive on the Cardano network at the current floating rate, with the payout network fee already taken into account.
Paste your ADA wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your USDT to the one-time deposit address on the Ethereum network. Once the deposit confirms, the swap runs automatically and the ADA is sent to your wallet. The order page shows every stage.
Swapping Tether (ERC20) (USDT) for Cardano (ADA) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the ADA goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Tether (ERC20) deposit confirms on Ethereum. The payout is sent on Cardano, so check that your Cardano address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
4 USDT
≈
13.042069 ADA
At the latest hourly update, 4 USDT converts to about 13.042069 ADA. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
USDT token contract:
0xdAC17F958D2ee523a2206206994597C13D831ec7
Approximate exchange rates between these assets, refreshed hourly
Tether (USDT) goes in as an ERC-20 token on Ethereum, and Cardano (ADA) comes out as a native coin on the Cardano blockchain, sent to an address in your own wallet. There is nothing to register. People often convert USDT to ADA to start using Cardano apps, which charge their transaction fees in ADA, or to hold ADA in a self-custody wallet they already use for the Cardano ecosystem.
Tether backs USDT with reserves meant to keep a one-to-one dollar peg, and the default here is its Ethereum version, so the deposit costs ETH gas. Cardano is a proof-of-stake chain running the Ouroboros protocol. Because the two chains differ, the payout needs a Cardano address, which normally starts with addr1. Cardano does not use memos for ordinary payments, so the address alone is enough for this cross-chain swap.
When you enter an amount, the widget estimates your ADA at a floating rate, after the margin and the Cardano network fee are taken off. That number can move a little if the ADA price changes before the USDT deposit confirms on Ethereum, where a block arrives every 12 seconds. Once confirmed, the exchange runs and the ADA payout follows. The order page shows each step and a transaction ID you can check on a Cardano explorer.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Tether (ERC20) (USDT) | Cardano (ADA) |
| Network | Ethereum | Cardano |
| Type | ERC-20 token | Native coin |
| Contract | 0xdAC17F…831ec7 |
- |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Ethereum to Cardano | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 3.612775 USDT | |
| Account / ID | Not needed to start a swap | |
Most current Cardano wallets give you a Shelley-era address that starts with addr1 and is quite long. It is not interchangeable with an Ethereum or BNB Smart Chain 0x address. Take it from the receive screen of the wallet that will hold your ADA.
You can, by switching the send side to Tether TRC-20 before you create the order. The deposit address will then be a TRON address, and you pay the TRON network fee from your own wallet. The selector also offers USDT on BNB Smart Chain, Solana, Polygon, Arbitrum One and TON, each with its own deposit address.
By default it is native ADA on the Cardano blockchain. The selector also has a BEP-20 version of ADA on BNB Smart Chain, which is a token and needs a 0x address. Choose whichever matches the wallet you plan to use.
The ADA price moves, and the rate is floating, so the payout follows the market when your deposit confirms. The quote already deducts the exchange margin and the Cardano payout fee. Small differences in either direction are normal for a USDT to ADA exchange.
There is, and the widget displays it for this pair at the moment you check. It moves with network fees and liquidity, so it can be different tomorrow. Sending below it can stall the order, so read it before you send.
Your order page moves through waiting for deposit, confirming, exchanging, sending and finished. It also lists the transaction ID, which you can look up on a Cardano block explorer. Recent orders are saved in your browser and appear on the Track Order page.
