Monero to Tether ERC-20 Exchange Rates
Monero uses RandomX proof of work with a 120-second block target, making 10 confirmations nominally 20 minutes. Ethereum uses proof of stake with 12-second slots, making 12 block confirmations nominally 144 seconds; this confirmation threshold is not equivalent to Ethereum protocol finality.
You Send
XMR
↔
You Receive (Estimated)
164.1750
USDT-ERC20
1 XMR = 164.1750 USDT-ERC20 • Flat 0.5% fee • Direct wallet payout
Swap on 01kExchange
Verified Exchange Desks
| Exchange | Rate Quote | Fee | KYC Requirement | Settlement Time | Action |
|---|---|---|---|---|---|
| 01kExchange Best Rate | 164.1750 USDT-ERC20 | 0.5% flat | None | 20-30 min | Swap Now |
| ChangeNOW | 161.7124 USDT-ERC20 | 1.5% | Automated flag risk | 15 - 30 min | Benchmark |
| SimpleSwap | 162.2049 USDT-ERC20 | 1.2% | None | 15 - 25 min | Benchmark |
| SideShift | 162.5333 USDT-ERC20 | 1.0% | None | 10 - 20 min | Benchmark |
| Centralized Exchange (CEX) | Spot price | 0.1% + withdrawal fee | Mandatory ID | 1 - 4 hours | Custodial |
01kExchange
Best Rate
Rate: 164.1750 USDT-ERC20
Fee: 0.5% flat
KYC: None
Time: 20-30 min
ChangeNOW
Benchmark
Rate: 161.7124 USDT-ERC20
Fee: 1.5%
Network Parameters
Deposit Network
Monero Native
Consensus Protocol
Proof of Work (RandomX)
Block Time
120s
Confirmations Required
10 blocks
Average Settlement
20-30 min
Destination Memo
None required
Ledger Model
Ring Signatures / Stealth Addresses
Payout Network
Ethereum ERC-20
Other Monero (XMR) Routes
Other Routes to Tether ERC-20 (USDT-ERC20)
Frequently Asked Questions
How long does XMR to USDT-ERC20 take?
Assuming sequential deposit and payout, nominal confirmation time is (10 × 120 s) + (12 × 12 s) = 1,344 seconds, or 22 minutes 24 seconds. The supplied typical settlement ranges total 25–40 minutes: 20–30 minutes for Monero plus 5–10 minutes for Ethereum. Actual elapsed time is not guaranteed because block production, transaction inclusion and route processing vary.
What network fees apply to this swap?
The XMR deposit fee is paid in XMR and depends on transaction weight and the applied per-weight fee rate under Monero's dynamic fee schedule. The USDT-ERC20 payout requires an Ethereum token-contract call, with gas paid in ETH by the payout sender: fee = gas used × effective gas price, consisting of the base fee plus the effective priority fee. Network conditions and transaction execution affect costs. Any service charges or deductions from the USDT payout are route-specific; no fixed fee amount can be calculated from block times or confirmation counts alone.