Convert Monero (XMR) to Tether (USDT)
Why swap XMR to USDT. USDT is a dollar stablecoin, so converting Monero to Tether locks in the dollar value of your XMR. Over the 90 days to 14 October 2026, USDT was the most popular coin received for XMR on Symbiosis: 117 swaps worth about $1.01 million, about half of all volume out of Monero.
XMR to USDT TRC20, ERC20, BEP20 or Polygon. You can receive USDT on Tron (TRC20), Ethereum (ERC20), BNB Chain (BEP20) and Polygon. Tron is the most common choice — 56 of those 117 swaps. On 15 October 2026, 5 XMR returned about 2,702 USDT on Tron, Ethereum or Polygon and about 2,646 USDT on BNB Chain.
How the XMR to USDT swap works. Choose the USDT network, paste the address that should get USDT and an XMR refund address, then transfer XMR to the deposit address the app displays. Depending on the route, a swap may use Symbiosis infrastructure together with external liquidity sources, such as DEXs, pools, aggregators, or partner protocols. Should the swap fail at the initial stage, the XMR goes back to the refund address.
XMR to USDT exchange rate and fees. On 15 October 2026, 1 XMR returned about 539.69 USDT on Tron after all costs. The full cost was about 0.8–0.9% into Tron, Ethereum and Polygon and about 3% into BNB Chain, and it is already included in the USDT you receive.
Minimum and large amounts. On 15 October 2026, the minimum swap was about 0.04 XMR (about $22). Large amounts go through too: on 11 October 2026, a user swapped 19.1 XMR for 10,001.04 USDT on Tron.
Speed. Over the 90 days to 14 October 2026, the median swap took about 8 minutes into Tron, 9 minutes into BNB Chain and 10 minutes into Ethereum or Polygon.
You may also need: Monero (XMR) exchange, USDT to XMR, XMR to BTC, XMR to ETH, Swap USDT.
How to swap XMR to USDT
A real case from 10 October 2026: a user swapped 5.494 XMR (~$2,898) on Monero and received 2,849.83 USDT on Tron via Symbiosis in 6 minutes 39 seconds. Selling XMR works through a deposit address shown in the app; the swap starts once the XMR reaches it. The steps were:
Chose XMR and USDT TRC20. XMR on Monero as the coin to send and USDT on Tron (TRC20) as the coin to receive. The same flow works for USDT on Ethereum, BNB Chain or Polygon.
Provided two addresses. The Tron address that receives USDT and an XMR refund address — if the swap fails at the initial stage, XMR is returned there. No registration was required.
Entered the amount. 5.494 XMR (~$2,898).
Checked the XMR to USDT rate. Before sending XMR, the user saw the USDT to receive, the fee and the rate, with slippage tolerance at 2%.
Sent XMR and received USDT. The user sent 5.494 XMR to the deposit address shown in the app; 2,849.83 USDT arrived on Tron 6 minutes 39 seconds later. The USDT transfer is visible on Tronscan.
