USDT → XMR lets you move a stable notional into Monero without opening an exchange account. The critical risk is network mismatch: USDT exists on many chains, and the deposit address is chain-specific.
Network checklist
- Read the deposit network label in the widget before sending
- TRC20, ERC20, and other USDT networks are not interchangeable
- Memo/tag chains need the memo if the UI shows one
- Refund address must be on the same asset/network as the deposit
Steps
- Open swap.bz/swap/usdt-to-xmr
- Select the USDT network you actually hold
- Paste XMR receive + USDT refund addresses
- Send the exact amount shown
- Wait for Complete
Common mistakes
- Sending ERC20 USDT to a TRC20 deposit (or the reverse)
- Pasting a Bitcoin address in the XMR field
- Using a CEX XMR deposit that no longer accepts Monero
Fees
Swap.bz publishes 0.5% Standard / 1% Private. Stablecoin network fees vary — Tron is often cheaper than Ethereum for USDT transfers.
Frequently asked questions
Can I buy XMR with USDT without KYC?
Yes via an instant swap: send USDT on the network shown in the widget and receive native XMR. No Swap.bz account required.
Which USDT network should I use?
Only the network printed on the deposit screen (e.g. TRC20 vs ERC20). Sending on the wrong network is a common way to lose funds.
Is USDT to XMR faster than BTC to XMR?
Often yes, because you avoid Bitcoin’s slower blocks — but Monero payout still needs its own confirmations.