Turn dollars on Ethereum into money with no issuer and nothing on display. Send USDT with a little ETH for gas, and XMR lands in your wallet.
Market rate on 5 Nov 2026, 18:09 UTC, refreshed every 15 minutes.
USDT on Ethereum is the dollar many apps and exchanges pay out. It also lives on the most-read ledger there is, and Tether can freeze it at any address.
Swapping to Monero swaps both problems for one trade-off: XMR moves with the market. What you gain is money that doesn't show itself and has nobody who can freeze it.
The wallet you send from needs a little ETH, because Ethereum charges gas in ETH even when you're moving a token.
USDT: USDT on Ethereum is public, and Tether can freeze USDT at an address.
XMR: Monero hides the sender, the receiver and the amount of every payment by default.
Your USDT transfer is public on Ethereum, beside everything else that address has done. The XMR that lands shows no sender and no amount.
Read more: what Tether can see and freeze, and what Monero hides, and where it leaks.
USDT
XMROn 4 Nov 2026, 00:52 UTC, sending 100 USDT cost 7.01% of its value and 900 USDT cost 1.60%, every fee included, measured against the market price at that minute.
| You send | Worth | XMR that landed | All-in cost |
|---|---|---|---|
| 100 USDT | $100.00 | 0.148191 XMR | 7.01% |
| 400 USDT | $400.00 | 0.621896 XMR | 2.44% |
| 900 USDT | $900.00 | 1.4112 XMR | 1.60% |
Rather the XMR landed on a day you choose? Stealth lets you pick it, 1 to 30 days out, with its fee of 2% to 6% shown on its own line before you send.
Type how much USDT you're sending.
From a wallet you hold, starting with 8.
Within the hour, to the deposit address.
About two and a half minutes, then the trade and the XMR.
The longest stretch: mule trades, about 20 minutes. The mule walks the bar at the same pace your swap does, just faster.
USDT (ERC-20)XMRUSDT on Ethereum is a token, so the transfer is paid in ETH gas, and a token transfer uses more gas than sending plain ETH.
4 | a standard address, 95 characters |
|---|---|
8 | a subaddress, the best choice for each payer |
4 | an integrated address: 106 characters, with a payment ID inside |
New Monero can be spent after 10 confirmations, about 20 minutes after it lands.
More about MoneroThe market rate on 5 Nov 2026, 18:09 UTC, before any fee. The desk above shows what actually lands for your amount.
| USDT | XMR |
|---|---|
| 1 USDT | 0.001633 XMR |
| 50 USDT | 0.081673 XMR |
| 100 USDT | 0.163346 XMR |
| 250 USDT | 0.408366 XMR |
| 500 USDT | 0.816733 XMR |
| 1,000 USDT | 1.6335 XMR |
| 2,500 USDT | 4.0837 XMR |
| 5,000 USDT | 8.1673 XMR |
| XMR | USDT |
|---|---|
| 0.082 XMR | 50.19 USDT |
| 0.16 XMR | 97.95 USDT |
| 0.41 XMR | 250.99 USDT |
| 0.82 XMR | 501.99 USDT |
| 1 XMR | 612.19 USDT |
| 1.6 XMR | 979.51 USDT |
| 4.1 XMR | 2,509.99 USDT |
| 8.2 XMR | 5,019.99 USDT |
Each fits someone. Here's who.
| Route | ID | Who holds the coins | Fits when |
|---|---|---|---|
| This desk | None | You, until you send | You want money with no issuer, straight from Ethereum USDT |
| An exchange account | ID first | The exchange | You already trade there and it lists Monero |
| Swap on Tron instead | None | You | Your USDT is already on Tron |
| Buying XMR from a person | None from a person | Escrow, on a venue that has it | You'd rather pay a person how P2P escrow works |
Every rule, stop by stop: how an order runs.
At the market price on 5 Nov 2026, 18:09 UTC, 1 USDT was about 0.001633 XMR. Type any amount into the desk at the top: on Fast it shows the live amount that lands, everything taken out, before you send. On Stealth you see the market amount and our fee, 2% to 6%, on separate lines.
USDT on Ethereum is a token; Ethereum charges the transfer's gas in ETH.
Only if your Tron wallet has staked Energy. On 3 November 2026 a USDT transfer on Ethereum cost about two cents; on Tron it cost nothing with staked Energy and about $2 of burned TRX without it.
Twelve Ethereum confirmations, about two and a half minutes.
$50 worth of USDT, about 49.96 USDT at the market price on 5 Nov 2026, 18:09 UTC. The largest is $29,999.
Checked against ethereum.org and tether.to, getmonero.org; desk quotes read 4 Nov 2026, 00:52 UTC; market rate as shown above. Written by the team that runs the desk.
The way back, and other coins in and out of USDT (ERC-20) and XMR.
