One deposit on Arbitrum, one direct payout on Monero. Non-custodial, no account, and the AI shows you the full price comparison before you commit.
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 Arbitrum 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 Arbitrum. Send your USDT there — Arbitrum confirms in seconds, 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.
Live quotes from every exchange that answered, at exactly this size: USDT → XMR on MONERO
StealthEX delivers the most here — 0.03% more than Quickex, and its network fee is already inside this figure, so it is what lands rather than a ceiling.
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | StealthEXBest KYC rare | 0.18935 XMR | included | 1.85% | Best |
| 2 | Quickex KYC possible | 0.1893 XMR | 0.0025 XMR | 1.88% | −0.00005188-0.03% |
| 3 | ChangeNOW KYC rare | 0.18257 XMR | not stated | 5.37% | −0.0067793-3.58% |
| 4 | SimpleSwap KYC rare | 0.18064 XMR | included | 6.37% | −0.0087065-4.60% |
Network fee — a stated amount is what the exchange returned, and the figure shown is after it. “included” means the exchange’s own price already contains its network fee, not itemised. “not stated” means its API returned no fee, so that amount is a ceiling rather than a promise.
Every row is what that exchange would pay for this exact size, quoted live from its own API at the time shown and ranked by what lands in your wallet. The bar is each row’s all-in cost against the market rate at that moment, drawn to one scale — ours included.
Cambio has no row on this route: the swap runs at the best exchange above, at that exchange’s own price.
Arbitrum produces blocks several times a second, so the 20 confirmations Cambio waits for on your USDT pass almost immediately and the XMR payout is what you are actually waiting on.
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 20 confirmations on Arbitrum, then sends the payout immediately. End to end this corridor typically takes 3–10 min.
Each row below was quoted on Arbitrum and compared against the same exchanges at that size. The XMR lands on Monero.
| You send | You receive | Per 1 USDT | Exchanges quoting | Best-to-worst gap | Our place |
|---|---|---|---|---|---|
| 100 USDT | 0.18934801 XMR | 0.0018934801 | 4 of 9 | 4.60% | not offered |
| 500 USDT | 0.9563513 XMR | 0.0019127026 | 5 of 9 | 2.65% | not offered |
| 1,500 USDT | 2.8741 XMR | 0.0019160359 | 5 of 9 | 2.78% | not offered |
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 |
|---|---|---|---|
| Quickex | 0.18929613 | 0.9563513 | 2.8741 |
| ChangeNOW | 0.1825687 | 0.9502088 | 2.8489 |
| StealthEX | 0.18934801 | 0.94909309 | 2.8485 |
| SimpleSwap | 0.1806415 | 0.9377537 | 2.8399 |
| Godex | — | 0.93104944 | 2.7941 |
| Minimum | 110 USDT |
|---|---|
| Maximum | 15000 USDT |
| Commission floor | 0.7% |
| Confirmations | 20 on Arbitrum |
| Typical time | 3–10 min |
| XMR precision | 12 (XMR) |
| USDT contract on Arbitrum | 0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9 |
| USDT precision | 6 (USDT) |
| For 1 USDT on Arbitrum | 0.0018934801 XMR |
| For 1 XMR on Monero | 528.128075 USDT |
| Smallest payout | 0.20828281 XMR |
| Largest payout | 28.4022 XMR |
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDT on Arbitrum is dollar-pegged USDT in the Ethereum ecosystem at rollup fees. The network confirms in seconds, with L2 fees — a fraction of Ethereum L1 gas — and you get Ethereum-ecosystem USDT without paying L1 gas.
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.
Numbers to check before you send — every one of them belongs to this corridor and was read off the panel, not written for the page.
| Smallest swap this corridor accepts | 5 USDT |
|---|---|
| Largest swap this corridor accepts | 15000 USDT |
| Exchanges quoting this route, by size | 4 of 9 at 100 USDT · 5 of 9 at 500 USDT · 5 of 9 at 1,500 USDT |
| Best-to-worst gap, by size | 4.60% at 100 USDT · 2.65% at 500 USDT · 2.78% at 1,500 USDT |
| Our place, by size | not offered at 100 USDT · not offered at 500 USDT · not offered at 1,500 USDT |
| Confirmations we wait for on Arbitrum | 20 |
| Typical time, deposit to payout | 3–10 min |
No. Your USDT goes to a Cambio deposit address on Arbitrum 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 Arbitrum confirms in seconds; 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.
The maximum is set live by the exchanges quoting this pair, not by a fixed Cambio cap. The live card shows the exact minimum and maximum at the moment you quote, before any deposit address is issued.
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 62,231 active launch-scope pairs. Each one has its own page with live rates, competitor comparison, and chain-specific notes.
