Swap USDT for Monero without handing your funds to anyone
MoneroP2P is a P2P platform where you swap USDT for XMR through an atomic swap: a smart contract holds your USDT and only releases it to the seller once you can take the XMR. If anything fails, you get your USDT back. No account, no downloads, nobody holds funds.
Status: real-money beta on Arbitrum One (maximum 100 USDT per swap, also enforced by the contract). The contract has no external audit yet: use at your own risk. A testnet practice mode is also available.
Swap USDT for XMR Be a maker How it works
Want XMR?
Swap your USDT for Monero in about 30–45 minutes, with no account and nobody holding your funds.
Have XMR?
Be a maker: offer your XMR from your browser and earn a margin on every swap. Nothing to install, no sign-up.
How it works, in 4 steps
- Pick an offer and enter your Monero address.
- Download your encrypted recovery file and deposit the USDT into a contract from your wallet (MetaMask or compatible).
- The seller (maker) locks the XMR; the app verifies the amount and you confirm.
- When the maker claims the USDT, they reveal a secret the app uses to send the XMR to your address.
Why an atomic swap
| Atomic swap (MoneroP2P) | Centralized exchange | P2P with arbitrator | |
|---|---|---|---|
| Who holds your funds? | Nobody: a contract and your keys | The exchange | An escrow and an arbitrator |
| Do you need an account? | No | Yes, usually with identity checks | Usually yes |
| If the other party disappears | You recover your USDT through the contract | You depend on the exchange | The arbitrator decides |
| What you must do | Keep the tab open or keep the recovery file | Trust the exchange | Coordinate payments |
Guides
How to swap USDT for Monero without intermediaries
Step by step: swap USDT for XMR with an atomic swap from your browser, with no account and nobody holding your funds.
What is an atomic swap and why is it safe
An atomic swap trades coins across two chains with no intermediary: either both sides complete or neither does. How it works between USDT and Monero.
How to create a Monero wallet
Monero wallet options for mobile and desktop, how to create one, keep the seed safe and get your address. Includes stagenet for testing.
What is Monero and how it differs from Bitcoin
Monero (XMR) is private by default: it hides sender, receiver and amount. Differences with Bitcoin in privacy, issuance and use.
What to do if you closed the tab mid-swap
How to resume an MoneroP2P swap with your recovery file, what happens with deadlines t0 and t1 and when you must refund.
Common mistakes when sending crypto (and how to avoid them)
Wrong network, missing memo or tag, minimum amounts, no gas, poisoned addresses and unlimited approvals: how to avoid losing funds.
Transparency
- The code is open source (AGPL-3.0) and the app you load can be verified against the published code. GitHub
- We charge a fee on each completed swap; the contract has a 1% cap that nobody can raise.
- We promise no profits or rates: each maker sets the price and it changes with the market.