How the swap works
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Type the USDT amount and paste your Monero payout address on Monero mainnet.
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Press Exchange to open the live quote and the deposit address for this order.
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Broadcast USDT to that deposit. After the required confirmations, XMR is sent to your wallet.
Check these before you send
- TRC-20 USDT confirms quickly on Tron β usually within a minute or two.
- Never send USDT on the wrong network. TRC-20, ERC-20, and other variants are not interchangeable.
- Keep a small TRX balance in your wallet to pay Tron energy/bandwidth for TRC-20 sends.
- If XMR has not appeared yet, wait a few minutes and refresh the wallet. When the order already shows a payout tx, contact support with your order ID.
Tether β USD-pegged stablecoin
USDT tracks the US dollar and is widely used for trading and transfers β always pick the chain listed on the order (TRC-20, ERC-20, and others are not the same).
USDT network mismatch
The most common error is sending ERC-20 USDT to a TRC-20 address or vice versa.
Double-check the network badge on your order before sending.
Monero β privacy on by default
Monero uses ring signatures and one-time addresses so amounts and destinations stay confidential on-chain.
XMR payout not showing?
Wait for wallet sync to complete β Monero often needs several minutes to reflect incoming outputs.
If the order lists a payout tx but your synced wallet shows nothing, contact support.
Receiving XMR with privacy intact
Monero payouts use one-time addresses β your wallet must finish scanning recent blocks to display the balance.
- Use a fresh subaddress for each swap rather than reusing old receive addresses.
- Compare your wallet block height with a public explorer before assuming a payout failed.
- Allow extra time after the order shows sent β privacy features can delay wallet display.
Read before you send
Wrong-network deposits and address mistakes are the usual failure modes β start with these notes.
Coin swap hubs
More no-KYC swap pairs and guides for each asset.
Frequently asked questions
Does USDT to XMR require KYC or an account?
No. PeakSwap does not ask for a profile, ID documents, or a hosted balance for Tether to Monero.
How long until XMR arrives?
Many orders finish in a few minutes. TRC-20 on Tron deposit confirmations and Monero mainnet payout time set the wait.
Do you hold USDT or XMR for me?
No. You send USDT from a wallet you control and XMR is paid to the address you provide β PeakSwap does not keep a user wallet.
What if I send USDT on the wrong chain?
Use TRC-20 on Tron exactly as shown on the order. A wrong-network send may not be credited β read the swap safety notes first.