Tether vs Monero

General

Description

Tether Logo
Tether
 (USDT)

Tether (USDT) is a stablecoin pegged 1:1 to the US dollar. Issued by Tether Limited, each token is backed by reserves including US Treasury bills, cash, and other assets. USDT acts as a digital dollar in the crypto market, commonly used for short-term capital parking, trading, and fast cross-border transfers without the volatility of traditional cryptocurrencies.

What is Tether?
Monero Logo
Monero
 (XMR)

Monero is a decentralized cryptocurrency designed for private and difficult-to-trace payments. Unlike most public blockchains, the sender, recipient and amount of every transaction are concealed by default. This protects users’ financial privacy and prevents individual XMR from being treated differently based on their transaction history.

What is Monero?
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Purpose and goals

Tether Logo
Tether
 (USDT)
  • Digital dollar
  • Trading & liquidity
  • Fast transfers
Monero Logo
Monero
 (XMR)
  • Digital currency
  • Private and censorship-resistant payments
  • Decentralized mining on standard hardware
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Price and market data

Chart

Tether
 (USDT)

$0.9993

+0.0%
Monero
 (XMR)

$353.62

+1.6%
Market data
TetherMonero
All-time high
$797.73
Jan 14, 2026
-55.7%
Crypto all-time highs
Market cap
$183.13B
$6.64B
Market share
8.02%
0.29%
Transaction volume (24h)
$36.17B
-2.1%
$84.92M
+20.5%
Exchange rate

1 USDT = $0.9993

1 XMR = $353.62

USDT converterXMR converter
Prediction for undefined
Powered by AI
$468.72
+32.0%
XMR prediction
Price trend
Positive
(17/30 days)
Momentum
Positive
NegativePositive
Positive
Relative Strength Index
Neutral
BuySell
Neutral (54.1)
News sentiment
Positive
NegativePositive
Positive (76/100)

Last 7 days

Neutral
NegativePositive
Neutral (43/100)

Last 12 months

USDT newsXMR news
Price performance
+0.0%
--2.2%
Price performance
+0.0%
++1.6%
Price performance
+0.0%
++10.8%
Price performance
--0.1%
++19.5%
Annual return
+0.0%
--20.0%
Annual return
++0.1%
++130.0%
Annual return
--0.1%
++15.1%
XMR returns
Average annual return
++397.4%
Max supply
Circulating supply
183.26B
18.79M
Inflation
11.81%
Year
1.85%
Year
Crypto inflation

On-chain data

TetherMonero
Total Value Locked (TVL)
What is Total Value Locked?
Market cap/TVL (ratio)
Transactions (24h)
4.04M
28,814
Active addresses (24h)
291,873

Our rating

Our rating
TetherMonero
Our overall rating
Tether
Monero
How we evaluate cryptocurrencies

Our individual ratings

Risk
Tether: 8 of 10
Risk (Tether)
Monero: 5 of 10
Risk (Monero)
Tether Logo
Monero Logo
riskyless risky
Community
Tether: 10 of 10
Community (Tether)
Monero: 7 of 10
Community (Monero)
Tether Logo
Monero Logo
smalllarge
Hype & momentum
Tether: 7 of 10
Hype & momentum (Tether)
Monero: 6 of 10
Hype & momentum (Monero)
Tether Logo
Monero Logo
weakstrong
Active usage
Tether: 10 of 10
Active usage (Tether)
Monero: 7 of 10
Active usage (Monero)
Tether Logo
Monero Logo
lowhigh
Network effect
Tether: 9 of 10
Network effect (Tether)
Monero: 6 of 10
Network effect (Monero)
Tether Logo
Monero Logo
weakstrong
Decentralization
Tether: 1 of 10
Decentralization (Tether)
Monero: 7 of 10
Decentralization (Monero)
Tether Logo
Monero Logo
centralizeddecentralized

Our opinion

Tether Logo
Tether
 (USDT)
Tether has established itself as an indispensable tool in the crypto market. No other stablecoin offers comparable liquidity and global availability. For traders and users in emerging markets, USDT is often the most practical way to hold value in US dollars. That said, the criticism is valid: Tether Limited operates offshore, full audits are still missing, and the freeze function highlights how centralized the system is. For EU users, MiCA adds another factor, as USDT is increasingly restricted on regulated platforms. Despite this, Tether has weathered every major crisis and has processed billions in redemptions without issues. We see USDT as a highly practical trading instrument with clear utility, but not as a long-term store of value. Anyone holding larger amounts should keep issuer risk in mind and consider diversifying into regulated alternatives such as USDC.
What is Tether?
Monero Logo
Monero
 (XMR)
Monero is the most uncompromising major crypto project focused on private payments. Unlike Bitcoin or Ethereum, it conceals the sender, recipient and amount by default, strengthening fungibility and censorship resistance. Its real-world use for legitimate private payments and on darknet marketplaces demonstrates genuine demand, while also explaining the intense regulatory pressure. Monero also benefits from its long track record, fair launch without an ICO or pre-mine, and independent open-source development. At the same time, exchange delistings restrict access, liquidity and institutional adoption. Monero does not guarantee complete anonymity either, as exchange data, IP addresses or compromised devices may still reveal information about users. Overall, we view Monero as the strongest project for private digital money, although regulatory risks are likely to limit its long-term growth.
What is Monero?
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Key data

Key data
TetherMonero
Sector
Stablecoin
Privacy
Key feature
Price stability (USD peg)
Private transactions by default
Founder
Brock Pierce, Reeve Collins, Craig Sellars
thankful_for_today (pseudonym)
Developer
Tether Limited
Monero Project (open source)
Published
2014
2014
Institutional investors
Social media
569,657 followers
530,292 followers
Website
tether.to
www.getmonero.org
Whitepaper
Whitepaper
Whitepaper

Technical details

Technical details
TetherMonero
Blockchain
Multi-chain
Monero Blockchain
Consensus mechanism
Network-dependent (multi-chain)
Proof of Work (RandomX)
Staking
No
No
Open source
No
Yes
Energy consumption
Low
High
Transactions per second
90 TPS
Tether vs Monero

Tether or Monero

Market data comparison of USDT versus XMR

The current price of Tether is $0.9993 and has increased by 0.0% in the last 24 hours. Monero is currently trading at $353.62, with a drop of 2.2% over the same period. Tether has a market cap of $183.13B and ranks 3rd. Monero follows with a market cap of $6.64B, ranking 17th — meaning it is valued lower.

We automatically update all market data every 15 minutes, so you always have the latest figures for your comparison.

Should I buy Tether or Monero?

You should be aware that investing in cryptocurrencies carries risks, and we are neither allowed nor intending to provide investment advice. Still, we'd like to offer some food for thought: consider the opportunities and risks associated with both Tether and Monero. What target markets and problems are these two projects aiming to address?

If you're still unsure whether to invest in Tether or Monero, you can take a look at some additional market data to help with your decision:

Currently, Tether is about below it's all-time high of reached .
In comparison, Monero is down approximately -55.7% from it's all-time high of $797.73 Jan 14, 2026.
Tether currently has a 42,494.0% higher 24h transaction volume of $36.17B compared to Monero with $84.92M.
Over the past year, Tether achieved a total return of -0.1%, while Monero returned +19.5%. Keep in mind, however, that past performance rarely guarantees future results.

Additional criteria for comparing cryptocurrencies:

  • What problem does the project aim to solve, and is a decentralized network meaningful and necessary for it?
  • How actively is the network being used?
  • Does the project have a large and active community?
  • How strong is the development activity? (e.g., on GitHub)
  • How decentralized is the underlying blockchain and the project itself?

How we evaluate cryptocurrencies

These are just a few indicators you can use to better evaluate and compare cryptocurrencies like Tether and Monero. Cryptocurrencies and their underlying technologies are often difficult to compare — even for professionals. So don’t stress yourself out, and never let emotions or fear of missing out drive your investment decisions.

Where can I buy Tether or Monero?

Today, there are many reputable and secure exchanges that make it easy to invest in Tether and Monero. We're happy to help you choose the right one: simply use our exchange comparison tool to find the platform that best suits your needs. Both Tether and Monero are well-known and in high demand, which means they're available on most major exchanges.

Crypto exchanges comparison

Which crypto wallet is best for Tether and Monero?

If you want to store cryptocurrencies like Tether or Monero yourself, choosing the right wallet is essential. Consider your personal preferences when deciding: Is ease of use important to you? Do you prefer maximum security with a hardware wallet (USB device), or is a software wallet sufficient for your needs? Our crypto wallet comparison helps you find the best wallet for Tether, Monero, and many other cryptocurrencies.

Crypto wallets comparison