Cryptocurrency exchanges such as Binance, KuCoin, or OKEx offer direct USDT/XMR trading pairs. Exchanges allow you to set individual limits and choose buy and sell orders based on your desired price and available reserves. Security and Verification. Most major exchanges offer verification and provide security through two-factor authentication and other protective measures. Exchanges not only allow you to exchange USDT for XMR, but also access a variety of other cryptocurrencies and fiat pairs.