USDT — Tether — is the most widely held stablecoin and one of the most efficient starting points for acquiring Monero. Its dollar peg means you can plan the conversion precisely, and its wide availability across chains means you can source it from almost any on-ramp. The swap from USDT to XMR through a non-custodial service is one of the cleaner paths to Monero available.
How to swap USDT to XMR
Select USDT as your send asset in a non-custodial swap service and specify which network your USDT is on — USDT exists on Ethereum (ERC-20), Tron (TRC-20), BNB Chain, Solana, and others. Select Monero as the receive asset. Enter the amount. Provide your Monero wallet address. The service generates a USDT deposit address on your specified network. Send USDT to that address. When your deposit confirms, XMR arrives in your Monero wallet.
Which USDT network to use
TRC-20 USDT (Tron network) has the lowest transfer fees — typically under $1 — and fast confirmation times, making it efficient for smaller amounts. ERC-20 USDT (Ethereum) has higher fees but is the most widely supported. BNB Chain USDT is another low-fee option. All are supported on Terce. Use whichever network you already hold USDT on to avoid an additional bridging step.
The rate
The USDT-to-XMR rate reflects the current Monero market price in USD terms, minus the exchange spread. On a non-custodial swap service, this spread is typically 0.5–1.5%. The rate is floating — quoted at initiation, locked at the moment your USDT deposit confirms. For USDT specifically, the floating vs fixed distinction matters less than for volatile assets because the send side is stable.
USDT to XMR on Terce: the dollar value you send closely predicts the XMR you receive, with the exchange spread as the only meaningful variable. No account. No KYC. No additional identity record beyond whatever created your USDT.