Monero (XMR) → Tether (USDT): the rate on each network
See what XMR to USDT costs on each network and decide where to pick up USDT: the table gives the rate, the minimum, the fee and the speed of each network.
Rate as of Nov 4, 2026 19:40
Ahead of the rest right now is Arbitrum One: 1 XMR turns into 638.3936 USDT. The calculator takes exactly this network.
Where to pick up USDT
| Network | Rate | From | Network fee | Speed |
|---|---|---|---|---|
| Arbitrum One best rate | 1 XMR = 638.3936 USDT Arbitrum | 0.196809 XMR | ≈ $0.003 | fast |
| Avalanche C-Chain | 1 XMR = 638.3936 USDT AVAX C | 0.196809 XMR | ≈ $0.0014 | fast |
| NEAR | 1 XMR = 638.3936 USDT NEAR | 0.196809 XMR | — | — |
| Optimism | 1 XMR = 638.3936 USDT Optimism | 0.196809 XMR | ≈ $0.00016 | fast |
| Ethereum (ERC20) | 1 XMR = 638.3936 USDT ERC20 | 0.196809 XMR | ≈ $0.023 | medium |
| TRON (TRC20) | 1 XMR = 638.3936 USDT TRC20 | 0.196809 XMR | ≈ $2.2 | fast |
| BNB Smart Chain (BEP20) | 1 XMR = 638.3936 USDT BEP20 | 0.196809 XMR | ≈ $0.0023 | fast |
| Solana | 1 XMR = 638.3936 USDT SOL | 0.196809 XMR | ≈ $0.00046 | fast |
The cost and speed marks are given against each other: both drift with the load on the network.
How the USDT networks differ
Tether exists on several blockchains at once. It is one and the same USDT everywhere; a transfer only arrives when the address and the network match.
Arbitrum One
Arbitrum One is a layer-2 network on top of Ethereum. The address format is the Ethereum one and the fee is in ETH, but many times cheaper than in the main network.
Avalanche C-Chain
Avalanche C-Chain is the EVM-compatible chain of Avalanche, and the fee is charged in AVAX.
Optimism
Optimism is another layer-2 network on top of Ethereum. Addresses are in the familiar format, the fee is in ETH and amounts to a small part of the cost in the main network.
Ethereum (ERC20)
ERC20 means tokens on the Ethereum network. The standard is accepted by almost every wallet and exchange, but gas is paid in ETH, and under heavy load its cost rises noticeably.
TRON (TRC20)
TRC20 means tokens on the TRON network. Confirmation takes seconds, and the fee is charged in TRX or covered by staked energy; it comes out cheaper than in Ethereum — which is why most USDT is sent over TRC20.
BNB Smart Chain (BEP20)
BEP20 means tokens on BNB Smart Chain, an EVM-compatible network. The address is indistinguishable by sight from an Ethereum one, the fee is charged in BNB and usually stays small.
Solana
On Solana, tokens are issued under the SPL standard. A transfer is confirmed within seconds, and the fee is measured in fractions of a cent and paid in SOL. A separate account is opened for each new token, and that takes a little SOL as well.