01
Tell Cambio what you want
Type "swap 100 USDT to XMR on Monero" into the composer. The AI parses your intent, confirms BSC as the source and Monero as the destination, and returns a live quote with the full competitor comparison alongside it.
Swap USDT on BSC to XMR on Monero. Better.
One deposit on BSC, one direct payout on Monero. Non-custodial, no account, and the AI shows you the full price comparison before you commit.
EXCHANGE
Create an exchange
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 rateYou sendBNB Smart Chain
You getMonero
Destination
AIDo the same swap by just saying it: “Swap 100 USDT to XMR”→
How it works
Swap USDT to XMR in three steps.
No accounts, no waiting. Tell Cambio what you want, send your USDT, and the XMR lands in your wallet in under a minute.
02
Send USDT to the deposit address
Cambio generates a one-time deposit address on BNB Smart Chain. Send your USDT there — BNB Smart Chain confirms in seconds, and the card tracks every confirmation in real time.
03
XMR arrives on Monero
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 comparison
On 100 USDT, Alfacash pays the most on the board.
Live quotes from every exchange that answered, at exactly this size: USDT → XMR on MONERO
Send 100 USDT → Receive XMR (MONERO)
Minimum 5 USDT · maximum 15000 USDT per swap
Alfacash Best
Alfacash delivers the most here — 0.02% more than Quickex, but it has not stated its network fee, so that figure is a ceiling rather than a promise. Quickex is 0.02% behind on paper and is one of the few whose number we can confirm.
You receive0.18944 XMRNetwork feenot statedID checkKYC rareTimenot stated
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | AlfacashBest KYC rare | 0.18944 XMR | not stated | 1.72% | Best |
| 2 | Quickex KYC possible | 0.1894 XMR | 0.0025 XMR | 1.74% | −0.00004637-0.02% |
| 3 | ChangeNOW KYC rare | 0.18182 XMR | not stated | 5.67% | −0.0076187-4.02% |
| 4 | StealthEX KYC rare | 0.18067 XMR | included | 6.27% | −0.0087706-4.63% |
| 5 | SimpleSwap KYC rare | 0.1799 XMR | included | 6.67% | −0.0095385-5.04% |
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.
Every row is a live quote from that exchange’s own API at the time shown, for this exact size, as it would pay out through Cambio. Exchange names belong to their owners.
THIS CORRIDOR, IN NUMBERS
USDT on BNB Smart Chain → XMR on Monero
What USDT → XMR actually costs
- You send 100 USDT on BNB Smart Chain.
- You receive 0.18944237 XMR.
- The smallest swap this corridor accepts is 110 USDT.
Why this pair behaves the way it does
BNB Smart Chain produces blocks several times a second, so the 4 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.
How long USDT on BNB Smart Chain takes to clear
Cambio waits 4 confirmations on BNB Smart Chain, then sends the payout immediately. End to end this corridor typically takes 3–10 min.
What USDT on BNB Smart Chain pays out on Monero at three sizes
Each row below was quoted on BNB Smart Chain 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 | 0.18944237 XMR | 0.0018944237 | 5 of 9 | 5.04% | not offered |
| 500 USDT | 0.95688753 XMR | 0.0019137751 | 6 of 9 | 3.01% | not offered |
| 1,500 USDT | 2.8755 XMR | 0.0019169974 | 6 of 9 | 3.14% | not offered |
What every exchange pays for USDT on BNB Smart Chain, at three sizes
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 | 0.189396 | 0.95688753 | 2.8755 |
| Alfacash | 0.18944237 | 0.95148424 | 2.8547 |
| ChangeNOW | 0.1818237 | 0.9455839 | 2.8433 |
| SimpleSwap | 0.1799039 | 0.9359805 | 2.826 |
| StealthEX | 0.1806718 | 0.9398216 | 2.826 |
| Godex | — | 0.92807059 | 2.7852 |
USDT on BNB Smart Chain → XMR on Monero, in numbers
| Minimum | 110 USDT |
|---|---|
| Maximum | 15000 USDT |
| Commission floor | 0.7% |
| Confirmations | 4 on BNB Smart Chain |
| Typical time | 3–10 min |
| XMR precision | 12 (XMR) |
| USDT contract on BNB Smart Chain | 0x55d398326f99059fF775485246999027B3197955 |
| USDT precision | 18 (USDT) |
| For 1 USDT on BNB Smart Chain | 0.0018944237 XMR |
| For 1 XMR on Monero | 527.865018 USDT |
| Smallest payout | 0.20838661 XMR |
| Largest payout | 28.4164 XMR |
The two coins
What you’re actually swapping.
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDT
BNB Smart Chain BEP20
USDT on BNB Smart Chain is the exchange-default flavour of dollar-pegged USDT. The network confirms in seconds, with consistently low network fees — and it is the cheap-to-move USDT most CEX withdrawals default to.
- NetworkBNB Smart Chain
- Confirmations needed4
- Average block time~3-second blocks
XMR
Monero native
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.
- NetworkMonero
- Confirmations needed20
- Typical payout confirmationtypically confirms in about 20 minutes
What you need to know
Before you swap USDT to XMR on Monero.
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 | 5 of 9 at 100 USDT · 6 of 9 at 500 USDT · 6 of 9 at 1,500 USDT |
| Best-to-worst gap, by size | 5.04% at 100 USDT · 3.01% at 500 USDT · 3.14% 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 BNB Smart Chain | 4 |
| Typical time, deposit to payout | 3–10 min |
Questions
USDT to XMR on Monero — frequently asked.
Is this a bridge swap?
No. Your USDT goes to a Cambio deposit address on BSC 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.
How long does the swap take?
The deposit side on BNB Smart Chain 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.
Do I need to verify my identity?
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.
What is the maximum I can swap?
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.
Can I receive the XMR into an exchange account?
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.
Why use Cambio for this pair?
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.
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