Swap USDT to USDT 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 USDT goes straight to the wallet address you enter.
Enter the amount of Tether (Polygon) you want to swap in the widget above. It shows an estimate of the Tether (ERC20) you will receive on the Ethereum network at the current floating rate, with the payout network fee already taken into account.
Paste your USDT 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 Polygon PoS network. Once the deposit confirms, the swap runs automatically and the USDT is sent to your wallet. The order page shows every stage.
Swapping Tether (Polygon) (USDT) for Tether (ERC20) (USDT) 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 USDT goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Tether (Polygon) deposit confirms on Polygon PoS. The payout is sent on Ethereum, so check that your Tether (ERC20) address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 USDT
≈
0.787564 USDT
At the latest hourly update, 1 USDT converts to about 0.787564 USDT. 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:
0xc2132d05d31c914a87c6611c10748aeb04b58e8f
USDT token contract:
0xdAC17F958D2ee523a2206206994597C13D831ec7
Approximate exchange rates between these assets, refreshed hourly
As of Nov 10, 2026 19:03 UTC, 1 USDT is worth about $1.00 and 1 USDT about $1.00, so 1 USDT converts to roughly 0.787564 USDT. These figures move with the market, and the widget shows the live estimate before you confirm.
Polygon PoS USDT goes in, and Tether's ERC-20 token on Ethereum mainnet comes out at a 0x address you choose, with no account and no ID upload to start. People convert Polygon USDT to ERC-20 when a payment landed on Polygon but the exchange, custodian or counterparty they use credits Tether only on Ethereum, or when they keep long-term holdings on mainnet and want all their Tether in one place.
The Polygon token sits at 0xc2132d05d31c914a87c6611c10748aeb04b58e8f, a contract upgraded in 2025 to USDT0, the omnichain version of USDT, so wallets and Polygonscan may show that name. The payout is Tether's own ERC-20 USDT at 0xdAC17F958D2ee523a2206206994597C13D831ec7. Both chains use the same 0x address format and no memo, so an address alone cannot tell you the network. Deposit gas is paid in POL, the coin that replaced MATIC on Polygon PoS.
Since both sides are USDT, the floating-rate estimate stays near one to one; what you give up is mostly the Polygon deposit fee and the Ethereum payout fee, which covers mainnet gas. Both appear in the at-a-glance table and are already in the estimate. The final amount can still shift slightly before your deposit confirms. Timing depends on Polygon confirming your deposit and then on the Ethereum payout, with a block every 12 seconds. The order page shows each stage and a transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Tether (Polygon) (USDT) | Tether (ERC20) (USDT) |
| Network | Polygon PoS | Ethereum |
| Type | ERC-20 token | ERC-20 token |
| Contract | 0xc2132d…b58e8f |
0xdAC17F…831ec7 |
| Memo / tag | Not needed | Not needed |
| Network fee (checked Nov 7, 2026) | ≈ 0.02814 USDT | ≈ 0.3712 USDT |
| Route | Cross-chain: Polygon PoS to Ethereum | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.436434 USDT | |
| Account / ID | Not needed to start a swap | |
You can if its contract is 0xc2132d05d31c914a87c6611c10748aeb04b58e8f. Polygon's bridged USDT was upgraded to USDT0 at that same address in 2025, balances carried over, and many wallets now show the new name. Choose the Tether (Polygon) listing and send it on Polygon PoS.
POL, the native coin of Polygon PoS, which replaced MATIC in 2024 and is listed here under the MATIC ticker. A wallet holding USDT but no POL cannot send the deposit. The Ethereum gas for your payout is separate and already taken out of the estimate.
With a regular wallet such as MetaMask or a hardware wallet, you can, because one key controls that 0x address on every EVM network. Exchange deposit addresses and smart contract wallets such as Safe are different, since they may be set up for Polygon only. Check with the service or wallet before you paste the address.
Your wallet is probably still set to Polygon. Switch it to Ethereum mainnet, and if the balance is still missing, import the token contract 0xdAC17F958D2ee523a2206206994597C13D831ec7. The payout hash on your order page opens on Etherscan, which shows whether the transfer reached your address.
You will, as soon as you want to move it, because every ERC-20 transfer on mainnet pays gas in ETH and USDT cannot cover its own fee. Receiving needs no ETH, so the payout arrives either way. The POL you used on Polygon does not work on Ethereum.
Two things: how quickly your Polygon deposit collects the confirmations the exchange waits for, and how fast the Ethereum payout gets into a block, which slows when mainnet is busy. The order page moves from waiting through confirming, exchanging and sending to finished. If it stalls, contact @xswap_to with the transaction ID.
