XMR to USDT

XMR to USDT: swap Monero to Tether without KYC

Wagyu swaps Monero to USDT with no account and no KYC. Send XMR to a one-time deposit address and receive Tether on Tron (default, the cheapest network to spend from), Ethereum or BSC, at the address you choose. 0% Wagyu fee. Minimum about $25. About 16 minutes.

Live rate: 1 XMR ≈ 587.73 USDT

Quote updated Oct 27, 2026, 5:12 PM UTC. Refreshes every 10 minutes; fees and minimums below use this snapshot.

Fee and minimum snapshot for 5 XMR on the default network. Check the widget for your selected amount and network.

Fee

Minimum

$25

Typical time

About 16 min

XMR to USDT measured median execution: 15.5 min across 123 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 XMR to USDT swap works

1. Choose the USDT network and enter your address

Tron (TRC-20) for an exchange deposit or a payment, Ethereum or BSC for DeFi. Make sure the address matches the network.

2. Send XMR to the deposit address

Exact amount, from any Monero wallet.

3. Monero confirmations, then the stablecoin send

About 16 minutes on the default network (measured median over the last 30 days).

4. USDT arrives at your address

Ready to spend, deposit or hold.

Fees, minimum and time for this route

Wagyu fee: 0% 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 $25 on the default network. Another network or amount can change the quote.
Time: about 16 minutes from deposit detection to completion on the default network. Confirmations and large orders executed in slices can take longer. This is the measured median over the last 30 days.

Times are approximate for the default network, from deposit detection to swap completion. Confirmations, order size and your selected network can change the timing.

Before you send

Pick the USDT network first: Tron (TRC-20) by default, Ethereum or BSC in the token selector. The address must belong to that network: a Tron address starts with T, Ethereum and BSC addresses with 0x.
Your XMR must be unlocked before you can send it: Monero needs 10 confirmations, about 20 minutes, after you received it.
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 USDT address to use

Any address you control on the network you picked. Receiving USDT costs you nothing, but moving it later needs the network's gas coin: TRX on Tron, ETH on Ethereum, BNB on BSC. Use a fresh address from your own wallet, one that has never been linked to your name: if the USDT lands on an address an exchange knows is yours, you give back the privacy you had with Monero. If you need the USDT on an exchange anyway, send it there directly and expect that exchange's own checks.

Three ways to sell XMR without an account

Three ways to sell XMR without an account
Way	How fast	What it costs	What you need
Instant swap (this page)	about 16 minutes to USDT	0% Wagyu fee out of XMR, route cost in the rate	a USDT address
Peer-to-peer market	depends on the buyer	set by you and the buyer	a buyer and an escrow
Atomic swap	slower, both chains must confirm	network fees and the maker's spread	the tools mostly cover XMR and BTC, so you convert the BTC to USDT afterwards

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

Why cash out XMR to USDT on Wagyu

Selling Monero on an exchange means an account, a deposit that some platforms block, and a withdrawal that can sit in review. Swapping XMR to USDT on Wagyu skips all three: no account, screening before the swap rather than after, and a deposit that is either swapped or refunded, never held. The rules are in the compliance policy. USDT on Tron is accepted by nearly every exchange and merchant, so it is the usual last step before spending. If something goes wrong with a route, the order asks for a Monero refund address and returns your coins.

Frequently asked questions

Which USDT network should I choose?

Tron (TRC-20) if you plan to deposit on an exchange or pay a merchant, it costs almost nothing to move. Ethereum or BSC if you need it in a DeFi wallet.

Is there a fee?

The Wagyu fee is 0% on this route. The quote shows applicable routing, trading and rounding costs before you send. Your deposit network fee is separate, and the final output can change during execution.

How long does it take?

Typically about 16 minutes from deposit detection on the default network. This is the measured median over the last 30 days; confirmations, order size and network conditions can change the timing. The widget shows the estimate for your actual swap.

Is there a minimum?

About $25 on the default network for this route. Check the quote for your selected network and amount before sending.

Can I swap XMR to USDT on Tron and then back to XMR later?

Yes. USDT on Tron (TRC-20) can be swapped back to Monero (XMR), subject to the higher Tron minimum shown in the quote. Tron send assets support XMR only: USDT to Monero.

Is USDC available instead?

Yes: Monero to USDC, delivered on Arbitrum by default.

Is the rate fixed or floating?

Floating. The quote is an estimate and the deposit amount is exact. The USDT you receive follows the market during execution.

Why can't I send my XMR yet?

Monero locks incoming funds for 10 confirmations, about 20 minutes. Wait until your wallet shows the balance as unlocked, then send.

Do I need TRX to receive USDT on Tron?

No, receiving costs you nothing. To move the USDT later you need a little TRX, because Tron charges its network fee in TRX.

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.