USDT to XMR

USDT to XMR: swap Tether to Monero without KYC (ERC20, TRC20, BEP20)

Wagyu turns USDT into Monero with no account and no identity check. Send Tether from Ethereum (default) or BSC to a one-time deposit address, and receive XMR at your Monero address. Fee 2%, shown in the quote. Minimum about $20. About 2 minutes from deposit detection on Ethereum (measured median over the last 30 days). USDT on Tron (TRC-20) is also supported for XMR, with a higher minimum shown in the quote (about $1,500 on 19 October 2026). You can also receive USDT on Tron when you swap the other way.

Example rate: 1 USDT ≈ 0.00196 XMR

Historical example · 9 September 2026 · live quote unavailable. Fees and minimums below are from this dated example; check the swap widget before sending.

Fee and minimum snapshot for 1,000 USDT on the default network. Check the widget for your selected amount and network.

Fee

Minimum

$20

Typical time

About 2 min

USDT to XMR measured median execution: 2.1 min across 316 completed swaps in the 30 days ending Oct 27, 2026, 5:11 PM UTC. Measured from deposit detection to the final recorded workflow step; excludes the wait before sending and wallet unlock time.

How the USDT to XMR swap works

1. Pick the USDT network and enter your Monero address

Ethereum (ERC-20) by default; BSC (BEP-20) is cheaper to send. Tron (TRC-20) supports XMR only and has a higher minimum shown in the quote. The deposit address depends on this choice, so set it before creating the order.

2. Send USDT to the deposit address

Exact amount, from any wallet or exchange withdrawal on that network.

3. Confirmation and execution

The stablecoin leg goes through a decentralized aggregator, the XMR leg trades on Hyperliquid's orderbook.

4. XMR arrives at your address

Fees, minimum and time for this route

Wagyu fee: 2% for this route. The quote also shows applicable routing, trading and rounding costs. Your deposit transaction network fee is paid separately. The final output can change with the market during execution.
Minimum: about $20 on the default network. Another network or amount can change the quote.
Time: about 2 minutes from deposit detection to completion on the default network. Confirmations and large orders executed in slices can take longer.

Times are approximate for the default network, from deposit detection to swap completion. Confirmations, order size and your selected network can change the timing. XMR can appear in your wallet before it becomes spendable.

Before you send

Pick the USDT network first: Ethereum (ERC-20), BSC (BEP-20) or Tron (TRC-20). The deposit address depends on it. Never send USDT from one network to an address created for another.
Keep the network's gas coin for the deposit: ETH on Ethereum, BNB on BSC, TRX on Tron.
On Tron the minimum is higher (shown in the quote). Under it, use Ethereum or BSC.
Send the exact amount shown in the order, in one transaction, and save the order link and its private session key.
Check the address bar. The only official domain is wagyu.xyz.

Which Monero wallet to use

Wagyu sends XMR to an address you control, so you need a Monero wallet before you start. On desktop, Feather Wallet is light and quick to set up, and the official Monero GUI can run a full node if you want one. On mobile, Cake Wallet (iOS and Android) and Monerujo (Android) are the common choices. Write down the seed phrase, then copy a receiving address into the swap form. Incoming XMR shows up within minutes; Monero makes it spendable after 10 confirmations, about 20 minutes.

Three ways to get XMR without an account

Three ways to get XMR without an account
Way	How fast	What it costs	What you need
Instant swap (this page)	about 2 minutes on Ethereum	2% Wagyu fee on routes into XMR	a Monero address
Peer-to-peer market	depends on the other party	set by the seller	a counterparty and an escrow
Atomic swap	slower, both chains must confirm	network fees and the maker's spread	the tools mostly cover BTC and XMR, so you convert your USDT first

Large exchanges are not on this list: they ask for ID, and several have delisted Monero.

Why buy Monero with USDT on Wagyu

Stablecoins are how most people hold value between trades, and USDT is the one exchanges let you withdraw everywhere. Swapping it to Monero is the simplest way to get XMR without KYC: no fiat, no card, no account, just a transfer you already know how to make. Wagyu screens the deposit before the swap and refunds a blocked address to its origin, so a deposit is either swapped or refunded, never held. The rules are in the compliance policy.

Frequently asked questions

Can I send USDT on Tron (TRC-20)?

Yes. Select USDT on Tron (TRC-20) as your send asset; Monero (XMR) is the only supported destination. Tron has a higher minimum shown in the quote. Native TRX is not supported as a send asset.

Which USDT network is cheapest?

BSC, at a few cents of network fee. Ethereum costs a few dollars of gas. Wagyu's fee is the same 2% on every network.

What does a USDT to XMR swap cost?

The Wagyu fee is 2% on this route. The quote also shows the orderbook's taker fee and the order-size rounding.

How long does USDT to XMR take?

About 2 minutes from deposit detection on Ethereum: that is the measured median over the last 30 days. Your wallet then needs 10 Monero confirmations, about 20 minutes, before it can spend the XMR.

Is there a minimum?

About $20 on Ethereum and BSC. Tron has a higher minimum, shown in the quote.

Is the rate fixed or floating?

Floating. The quote is an estimate and the deposit amount is exact. The XMR you receive follows the orderbook during execution; large amounts are sliced to keep slippage low.

Do I get a receipt?

The order page keeps the deposit, the execution and the Monero transaction id, accessible with the order's private session key.

Can I swap XMR back to USDT?

Yes, and the Wagyu fee is 0% in that direction. You can receive USDT on Tron. See Monero to USDT.

Can I swap Monero to Zcash on Wagyu?

Yes. The Monero to Zcash page pays ZEC to your shielded u1 address with its current fee and timing shown on that page, and the Zcash to Monero page goes the other way.

Data: Wagyu public API (quotes and 30-day route medians). Page updated 21 October 2026.