Swap USDT to XMR 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 XMR 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 Monero you will receive on the Monero network at the current floating rate, with the payout network fee already taken into account.
Paste your XMR 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 XMR is sent to your wallet. The order page shows every stage.
Swapping Tether (ERC20) (USDT) for Monero (XMR) 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 XMR 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 Monero, so check that your Monero address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
16 USDT
≈
0.0141492 XMR
At the latest hourly update, 16 USDT converts to about 0.0141492 XMR. 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
As of Nov 4, 2026 14:54 UTC, 1 USDT is worth about $1.00 and 1 XMR about $632.69, so 1 USDT converts to roughly 0.000884 XMR. These figures move with the market, and the widget shows the live estimate before you confirm.
This pair takes Tether (USDT) as an ERC-20 token from your Ethereum wallet and pays out Monero (XMR) on the Monero blockchain to a wallet address you generated yourself. Signup is not part of it. The typical reason to swap USDT to XMR is privacy for future payments: on Ethereum every transfer and balance is public, while Monero hides senders, receivers and amounts on its own chain once the coins are there.
Tether's USDT keeps a dollar peg and this page accepts the Ethereum token at 0xdAC17F958D2ee523a2206206994597C13D831ec7, which costs ETH in gas to move. Monero is a proof-of-work coin mined with the RandomX algorithm, and it hides the sender, receiver and amount of every transfer by default, giving each payment a one-time stealth address. Ethereum to Monero is a cross-chain swap. A standard Monero address starts with 4, a subaddress with 8, both 95 characters long. No memo or payment ID is needed.
What you see before sending is a floating-rate estimate of the XMR you will receive, already reduced by the Monero network fee for the payout. If prices move before the USDT deposit confirms, the result can shift slightly. Ethereum produces a block every 12 seconds and Monero targets one about every two minutes, and both affect the timeline. Newly received XMR stays locked in your wallet for a short time before you can spend it. The order page shows live status.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Tether (ERC20) (USDT) | Monero (XMR) |
| Network | Ethereum | Monero |
| Type | ERC-20 token | Native coin |
| Contract | 0xdAC17F…831ec7 |
- |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Ethereum to Monero | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 14.764638 USDT | |
| Account / ID | Not needed to start a swap | |
Only partly private. The USDT deposit is a normal Ethereum transaction that anyone can see on a block explorer, linked to your sending address. Once the XMR lands, Monero hides the amount and the receiving address on-chain. The order itself is not anonymous: the order details and transaction ID exist on the exchange side.
A primary address starting with 4 or a subaddress starting with 8, each 95 characters, both work. Many Monero wallets create subaddresses on request, which keeps separate payments easier to tell apart. An address from any other chain is not valid here, so copy it straight from your Monero wallet.
Monero locks newly received outputs for a short period as a protocol rule, so your wallet may show the balance as locked or pending. This clears by itself after more blocks are added. Monero targets one block roughly every two minutes.
No, the XMR payout only needs your Monero address. Standalone payment IDs are an older feature that most wallets dropped in favor of subaddresses. If an exchange gives you an integrated address for deposits, paste the whole address as provided.
xswap.to itself does not ask for ID, an account or an email. In rare cases a partner's automated anti-money-laundering screening pauses a flagged transaction and requests verification. Support on Telegram at @xswap_to handles those cases with your transaction ID.
Floating-rate pricing means the quote follows the market until your Ethereum deposit confirms and the exchange step runs. A move in the XMR price during that time changes the final amount a little. The payout fee was already deducted in the estimate.
