XMR to USDT

Going out of Monero, you have to name the chain your Tether should arrive on before anything happens. There's no balance sitting somewhere to compare it against, no existing deposit address to copy the format from. You're stating a preference, and the exchange will do exactly what you said.

Get it wrong and the tokens turn up on a chain your receiving wallet doesn't watch. Sometimes that's recoverable with the right keys and some patience. Often it isn't. And unlike the other direction, there's nothing to send back — the Monero is gone, spent into the swap, and it was never reversible to begin with.

So the rule is short. Open the wallet that will receive the Tether. Find the chain it's actually on — TRON, Ethereum, Solana, something else. Copy the receiving address from that exact screen. Then set the picker to match, and read it once more before you confirm.

Three things, same as always: what the Monero side costs to send, what the receiving chain costs to deliver, and the service spread already folded into the rate on screen. No percentage is worth quoting here, because the number that matters is the one the exchange shows you before you confirm.

Chain by chain, TRON takes its cost out of bandwidth and energy instead of a balance, Ethereum charges gas in gwei and moves with demand, and Solana stays cheap. Pick on where your Tether needs to live, not on which fee looks smallest — an extra bridge later will cost more than either.

One last thing about the rate. Fixed pins your figure at the moment you confirm and charges for the certainty. Floating keeps updating while your deposit confirms, which can land in your favour or against it. Neither is clever; they're just different appetites.