On 0.5 and 1 XMR, a swap to USDT or BTC with Cambio cost 0.40% to 0.66% below the market price; on 2 and 5 XMR, 1.05% to 1.53%. We read our own live quotes at 0.5, 1, 2 and 5 XMR on 5 November 2026. Here is why size matters on Monero.
Swapping XMR to USDT or BTC with Cambio cost 0.40% to 0.66% below the market price on 0.5 and 1 XMR, and 1.05% to 1.53% on 2 and 5 XMR, when we read our own live quotes at 18:53 UTC on 5 November 2026. Our fees are already taken out of what arrives.
We asked for XMR to USDT on Tron, XMR to USDT on Ethereum and XMR to BTC at 0.5, 1, 2 and 5 XMR each, and for USDT on Tron to XMR at 100 and 1,000 USDT, between 18:53 and 18:54 UTC. XMR was worth about 609 USDT, or 0.0080 BTC. “Below the market price” is how far the amount you receive sits under the market value of what you sent, at that moment.
What each quote paid
- XMR to USDT on Tron: 0.5 XMR paid 303.07 USDT (0.43% below the market price), 1 XMR paid 606.30 (0.40%), 2 XMR paid 1,204.05 (1.11%), 5 XMR paid 3,011.33 (1.07%).
- XMR to USDT on Ethereum: 0.5 XMR paid 302.72 USDT (0.54%), 1 XMR paid 605.95 (0.46%), 2 XMR paid 1,204.49 (1.07%), 5 XMR paid 3,011.76 (1.05%).
- XMR to BTC: 0.5 XMR paid 0.00397694 BTC (0.66%), 1 XMR paid 0.00796509 (0.52%), 2 XMR paid 0.01576801 (1.53%), 5 XMR paid 0.03946767 (1.41%).
- USDT on Tron to XMR: 100 USDT paid 0.163344 XMR (0.56%), 1,000 USDT paid 1.636141 XMR (0.40%).
Smaller amounts: 0.38% plus a flat fee
On 0.5 and 1 XMR, and on both USDT sizes, every quote was the same sum: a rate margin of 0.38%, plus a flat withdrawal fee in the coin you receive. The fee was 0.15 USDT on Tron, 0.50 USDT on Ethereum, 0.000011 BTC (about 84 cents) on Bitcoin and 0.0003 XMR (about 18 cents) on Monero.
A flat fee weighs more on a small amount, which is why 0.5 XMR cost a little more in percent than 1 XMR, and why USDT on Ethereum cost a little more than USDT on Tron. On 1 XMR to USDT on Tron, the cost in the quote came to about 2.46 USDT.
Larger amounts: the Monero price widens
On 2 and 5 XMR, the quotes had no separate withdrawal fee and a wider rate margin, with the network fee inside it: 1.05% to 1.11% into USDT, and 1.41% to 1.53% into BTC. On 5 XMR to USDT on Tron, that came to about 32.5 USDT.
The reason is Monero itself. It has no smart contracts, so it is not traded in the on-chain pools that carry USDT and most tokens. When we measured the instant exchanges we could quote for Monero on 10 September 2026, for 0.5 BTC to XMR and 100 XMR to USDT on Tron, each of them priced it 0.6% to 2.4% below the market price. On a larger amount, our quote follows that market.
Monero also takes longer
Cost is not the only thing Monero adds. Of the 113 swaps our customers completed between 1 September and 29 October 2026, the 15 that started with a Monero deposit took a median of 37.5 minutes from order to payout, against 6.9 minutes for all 113. On the few where we recorded each stage, the deposit alone took about 30 minutes to clear, waiting for its confirmations.
What changes these numbers
- The market. These quotes were read within about a minute, on the evening of 5 November. The price of XMR moves, and the quote for your own amount is worked out when you ask for it.
- The amount. On these routes the larger sizes were priced differently from the smaller ones, so ask for a quote at the amount you will actually send.
- Your own send. The Monero network fee your wallet charges to send the deposit is separate. Your wallet shows it before you confirm.
Whatever the size, the quote shows the amount that arrives, with our fees already taken out, before you send anything.
