XT.com lets users trade XMR/USDT without mandatory KYC, but withdrawal limits and past delistings create real trade-offs. This review examines the exchange's current Monero support.
XT.com is a centralized cryptocurrency exchange founded in 2018 and headquartered in Seychelles. It provides spot, futures, margin, and other trading services across more than 500 listed cryptocurrencies and reports over 12 million registered users in 200-plus countries and regions.
As of October 2026 the platform maintains an active XMR/USDT spot pair. The pair experienced a short disruption when XT.com delisted it effective 5 November 2025, closing deposits on 29 October and withdrawals on 29 December of that year. Full resumption of deposits, withdrawals, and spot trading occurred on 10 November 2025. On 19 October 2026 the pair recorded a 24-hour volume of $177.53K while XMR traded in the $589–$593 range. The exchange has also carried out periodic XMR-chain maintenance in 2026 that temporarily suspended deposits and withdrawals before restoring service.
XT.com describes KYC as recommended rather than mandatory for account creation or crypto spot trading. Unverified users can still trade pairs including XMR/USDT, but they face lower daily crypto withdrawal limits and restrictions on fiat withdrawals.
Official XT.com announcements and guides from 2024–2025 list unverified daily crypto withdrawal limits as 200,000 USDT, 6,000,000 USDT, or 50,000 USDT, with the figures resetting daily at 08:00 UTC+8 and varying by region or source. Verified individual accounts, by comparison, reach up to 10,000,000 USDT in daily crypto withdrawals or 500,000 USD in fiat, per the same documentation period.
Monero users who want to avoid identity checks can therefore trade without completing KYC, yet the inconsistent published caps and lower ceilings constrain withdrawal scale. Actual limits appear in the user dashboard and may differ by region, so traders must verify current values directly rather than relying on older announcements. This structure keeps entry open for privacy-focused XMR activity while directing larger movements toward verified accounts.
XT.com charges a flat 0.2 percent maker fee and 0.2 percent taker fee on all spot trades, including the XMR/USDT pair. USDT-margined futures carry lower rates of 0.02 percent maker and 0.06 percent taker. These tiers apply uniformly unless a user qualifies for volume-based discounts, which the exchange lists on its fee schedule as of October 2026.
On October 19 2026 the XMR/USDT spot market recorded $177.53K in 24-hour volume. WalletInvestor data placed this figure well below the tens of millions USD seen on larger venues for the same pair, confirming XT.com’s XMR market remains modest in size. No public breakdown of other XT.com pairs appears in the same snapshot, yet the exchange’s overall reported activity suggests XMR/USDT sits among its lower-volume offerings rather than a flagship market.
XT.com stands out among platforms still listing XMR pairs for its lighter-touch KYC policy, though its reported trading volume remains far lower than leading alternatives.
| Exchange | KYC Strictness | Unverified Withdrawal Limits | Spot Trading Fees | XMR/USDT 24h Volume |
|---|---|---|---|---|
| XT.com | Recommended, not mandatory for trading | Variable (50,000–6,000,000 USDT daily per announcements) | 0.2% maker / 0.2% taker | $177.53K (19 Oct 2026) |
| KuCoin | Stricter verification for full access | Lower without KYC; higher post-verification | Tiered, often below 0.2% | Tens of millions (leaders) |
| HTX | Stricter verification for full access | Lower without KYC; higher post-verification | Tiered, often below 0.2% | Tens of millions (leaders) |
XT.com’s modest volume and inconsistent withdrawal figures create a clear trade-off versus higher-liquidity venues. Users seeking larger no-KYC flows must weigh these constraints directly against the exchange’s tiered limits and periodic chain maintenance notices.
XT.com temporarily delisted its XMR/USDT pair effective November 5, 2025, closing deposits on October 29 and withdrawals on December 29 of that year. Trading, deposits, and withdrawals resumed on November 10, 2025, after what the exchange described as routine reviews.
In 2026 the platform issued multiple announcements suspending XMR deposits and withdrawals for wallet upgrades. One suspension ended with a June 2026 resumption notice; another appeared in September 2026 Chinese-language support posts. Each event was followed by restoration announcements confirming service return.
These repeated interruptions indicate that operational continuity for Monero on XT.com depends on periodic maintenance windows. Traders relying on timely deposits or withdrawals face short-term unavailability during upgrades, even though the exchange has retained the XMR/USDT pair while many regulated platforms have removed privacy coins entirely.
The pattern suggests users should monitor XT.com support channels before moving larger XMR amounts, as wallet upgrades recur without a fixed schedule.
Yes. The exchange lists KYC as recommended rather than mandatory for account creation or spot trading. Unverified users can access the XMR/USDT pair, though they face lower daily crypto withdrawal limits and no fiat withdrawal options.
Official announcements from 2024–2025 list conflicting daily crypto limits for unverified users, including 50,000 USDT, 200,000 USDT, and 6,000,000 USDT. Actual limits appear in the user dashboard and can vary by region; they reset daily at 08:00 UTC+8. Verified accounts reach higher tiers such as 10,000,000 USDT.
XT.com has issued multiple 2026 notices suspending XMR deposits and withdrawals for wallet upgrades, followed by restorations. These temporary halts block on-chain activity but do not remove the trading pair once service resumes.
No. The XMR/USDT pair was hidden on November 5, 2025, with deposits closing October 29 and withdrawals December 29, yet full spot trading, deposits, and withdrawals resumed by November 10, 2025. The pair remained active as of October 2026.
Trades occur on the exchange’s internal order books, so transaction details are visible to XT.com regardless of KYC status. Monero’s on-chain privacy applies only after withdrawal to a personal wallet; the platform itself can still link activity to an account.
As of October 19, 2026, the XMR/USDT 24-hour volume stood at $177.53K according to WalletInvestor data, a modest figure compared with larger Monero venues.
