Tell the AI what you want, send one deposit, receive XMR on Monero. No bridge, no stored balances, and the comparison table runs on every quote.
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
USDT → XMR
Live rateNo accounts, no waiting. Tell Cambio what you want, send your USDT, and the XMR lands in your wallet in under a minute.
Type "swap 100 USDT to XMR on Monero" into the composer. The AI parses your intent, confirms Ethereum as the source and Monero as the destination, and returns a live quote with the full competitor comparison alongside it.
Cambio generates a one-time deposit address on Ethereum. Send your USDT there — Ethereum confirms in well under a minute, and the card tracks every confirmation in real time.
Once your deposit confirms, the payout goes out to your Monero address directly — Monero typically confirms in about 20 minutes. No bridge hop, no wrapped assets, no waiting on a second protocol.
Comparison vs the biggest aggregators — live rates where available, their published commissions (· est.) otherwise: USDT → XMR on MONERO
And that is only the half both quotes show you. The withdrawal fee is in neither number, and most exchanges do not publish theirs — which is why it appears below as a hatched mark and never as a figure. Ours on Monero is 0.0001 XMR, and we say so rather than repeat “no fee”.
The solid segment is the commission, drawn to scale. The hatched mark carries no length at all — it sits outside the bar, at the same fixed width on every row, and means only that a withdrawal fee exists there and its size is not published. It is never a figure and never an estimate, and nothing on the commission scale can be read off it.
Commission and effective rate are the same fact, so we claim it once. Add the withdrawal fee and you have the whole bill: ours on Monero is 0.0001 XMR. It is not zero here and we will not say it is.
For every other exchange in this table the second half of the bill is not in the quote you are shown, and we have not measured it — so we will not print a number under their name, and we will not draw one either.
A row tagged · est. is projected from that exchange’s own published commission rather than read off a quote; the line under each name says which it is.
Below $2,494 the withdrawal fee decides the outcome; above it the rate does. Saying it the other way round would be false, and we would rather tell you where our own argument stops.
Ethereum confirms in seconds per block, and 4 confirmations is enough to make a reorganisation impractical without leaving your USDT sitting there.
0.0001 XMR to deliver on Monero, about $0.05 — small enough to barely move the total.
XMR is Monero's own coin; the payout pays its cost from the amount itself.
Floor on Monero: 0.7%. Below that the corridor stops covering settlement.
XMR on Monero carries 12 decimals, so every amount on this page is quoted to that precision and no further.
Cambio waits 4 confirmations on Ethereum, then sends the payout immediately. End to end this corridor typically takes 1–2 min.
Each row below was quoted on Ethereum and compared against the same exchanges at that size. The XMR lands on Monero.
| You send | You receive | Per 1 USDT | Delivery fee | Our place |
|---|---|---|---|---|
| 100 USDT | 0.214818 XMR | 0.00214818 | 0.047% | 1 of 10 |
| 500 USDT | 1.0741 XMR | 0.002148184 | 0.00931% | 1 of 10 |
| 1,500 USDT | 3.2223 XMR | 0.0021481847 | 0.0031% | 1 of 10 |
The 0.0001 XMR delivery fee is the same on all three rows: 0.047% of what you receive on 100 USDT, and 0.0031% on 1,500 USDT. It is the fee most exchanges leave out of the rate they advertise.
How much XMR each one delivers on Monero, quoted at the same moment for the same amounts. Rows marked est. are projected from a brand’s published commission rather than a live quote, and an exchange that beats us is shown beating us.
| XMR | 100 USDT | 500 USDT | 1,500 USDT |
|---|---|---|---|
| Cambio | 0.214818 | 1.0741 | 3.2223 |
| SimpleSwap | 0.2113496 | 1.0567 | 3.2207 · est. |
| StealthEX | 0.21460243 · est. | 1.073 · est. | 3.219 · est. |
| ChangeNOW | 0.21449464 · est. | 1.0725 · est. | 3.2174 · est. |
| Swapter | 0.21449464 · est. | 1.0725 · est. | 3.2174 · est. |
| StreamX | 0.21449464 · est. | 1.0725 · est. | 3.2174 · est. |
| ChangeHero | 0.21449464 · est. | 1.0725 · est. | 3.2174 · est. |
| Minimum | 1 USDT |
|---|---|
| Maximum | 11689.776 USDT |
| Delivery fee | 0.0001 XMR ($0.05) |
| Cambio commission | 0.35% |
| Commission floor | 0.7% |
| Confirmations | 4 on Ethereum |
| Typical time | 1–2 min |
| XMR precision | 12 (XMR) |
| USDT contract on Ethereum | 0xdAC17F958D2ee523a2206206994597C13D831ec7 |
| USDT precision | 6 (USDT) |
| For 1 USDT on Ethereum | 0.00214818 XMR |
| For 1 XMR on Monero | 465.510339 USDT |
| Smallest payout | 0.00214818 XMR |
| Largest payout | 25.1117 XMR |
| Delivery fee at the minimum | 4.66% |
1 USDT. The floor is set by what delivering XMR on Monero costs — 0.0001 XMR — and Cambio will not quote a swap where the delivery fee would take more than a tenth of the payout.
4 on Ethereum. The payout is sent immediately after, so the wait you experience is the confirmation wait, not queueing on Cambio's side.
0.0001 XMR. It is charged at what the transfer actually costs on Monero rather than marked up, and it is deducted before the figure you are shown — the number on this page is what lands in your wallet.
Yes, within the quote's window — the 0.35% commission and the 0.0001 XMR delivery fee are already taken out of it, so the figure you see is what reaches your Monero wallet.
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDT on Ethereum is the most widely accepted USDT there is. The network confirms in well under a minute, with gas is the price of L1 — it rises when the chain is busy — and acceptance is maximal, with L1 gas applying whenever you move it.
XMR is the native asset of Monero. Sending XMR is an ordinary native transfer — no token approval, no contract interaction. Monero typically confirms in about 20 minutes, and deposits are subaddresses of one wallet, so nothing here derives a per-user key.
No. Your USDT goes to a Cambio deposit address on Ethereum as an ordinary transfer, and you receive XMR on Monero as an ordinary Monero transaction. No bridge contract, no wrapped assets, no cross-chain messages.
The deposit side on Ethereum confirms in well under a minute; the payout on Monero typically confirms in about 20 minutes. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.
No account or sign-up is needed. Every swap is screened against sanctions and on-chain risk lists before a deposit address is issued; in line with applicable law and our risk-based AML policy, identity verification may be requested where screening flags elevated risk.
USD 1,000 per swap during the launch window, enforced before a deposit address is issued. The live card shows the exact minimum and maximum for this pair at the moment you quote.
Yes — on the exchange’s deposit screen pick XMR and make sure the network is Monero, then paste that deposit address into the Cambio composer as your destination. If the network on the exchange side doesn’t match, don’t send — ask the AI and it will walk you through it.
Every quote ships with a live comparison against the biggest instant exchanges — including when we lose — and the number on the card is the number that settles. Pricing is chain-aware, the route has no bridge exposure, and screening happens before your deposit, never after.
All from the 342 active launch-scope pairs. Each one has its own page with live rates, competitor comparison, and chain-specific notes.
