Convert 100.00 USDT to INR
Check what any amount of Tether (USDT) is worth in Indian rupees at today's rate. Enter an amount to see the INR value, or switch to USDC to compare.
How stablecoin payments reach your users as INR
Users on your platform can receive overseas stablecoin payments and convert it into Indian rupees.
Set up payment addresses
Generate USDT and USDC payment addresses for your users over APIs, through our partners. Every Indian business is KYB-verified at onboarding.
Buyer pays in stablecoins
Overseas buyers send USDT or USDC to the assigned address. Funds are converted to USD outside India and credited to the user's Xflow account.
Users withdraw in INR
Users raise invoices for the USD amount and withdraw to their Indian bank accounts, settled T+2.
e-FIRA for the USD amount
An e-FIRA from an AD Category I bank is issued for the USD amount of each withdrawal, so users have the documentation their bank needs.
Why platforms choose Xflow for stablecoin payments
The rate isn't the whole picture. For business payments, documentation and how the money reaches India matter just as much.
Informal Routes (P2P/OTC)
- 01The spread is hidden inside the INR quote, so the effective rate on each payment sits well below spot without a line item you can check.
- 02No FIRA or e-FIRA, so export paperwork can't be closed with the bank, and DGFT, EDPMS or eBRC reconciliation stalls.
- 03A 1% TDS on virtual digital assets plus unclear tax treatment leaves the business carrying the risk on every transaction.
- 04Informal off-ramps face growing regulatory scrutiny, which makes them unreliable for business payments.
With Xflow
- 01Transparent pricing, shown before your users withdraw, so the INR amount holds no surprises.
- 02An e-FIRA from an AD Category I bank for the USD amount, so users have documentation their bank accepts.
- 03Stablecoins don't enter India. Funds are converted to USD outside India through our partners, and only INR reaches your users' bank accounts.
- 04Users withdraw directly to their Indian bank accounts, settled T+2.
Settle USDT and USDC from any major network
Your users' overseas buyers can pay on the networks they already use, and your users receive INR either way.
Tron
Tron
The go-to network for USDT, built to move high volumes at low cost.
Solana
Solana
Fast, low-fee transfers, popular with buyers across emerging markets.
EVM chains
EVM chains
Ethereum, Polygon and other EVM-compatible networks.
Built for businesses powering stablecoin payments
Stablecoin-native platforms
Let your users receive stablecoin payments and withdraw INR to their Indian bank accounts, with an e-FIRA for the USD amount.
Crypto-native & Web3 companies
Teams paid in stablecoins can bring business receipts into India as INR without relying on informal desks.
Exporters & service firms
Overseas buyers increasingly settle in stablecoins. Protect margins and keep EDPMS and eBRC clean.
SaaS & marketplaces
Products priced in USD and paid in stablecoins land as predictable INR revenue.
About the currency
Both stablecoins track the US dollar. Through Xflow, your users receive Indian Rupees (INR), converted compliantly from their stablecoin payments, in their bank accounts T+2.
How stablecoins track against USD
| Type | USD-pegged stablecoin |
| Issuer | Tether |
| Target peg | 1 USDT = 0.99 USD |
| Type | USD-pegged stablecoin |
| Issuer | Circle |
| Target peg | 1 USDC = 1 USD |
USDT to INR: Settlement value today
 USDC |  INR |
|---|---|
| USDC 1 | INR 95.11 |
| USDC 5 | INR 475.56 |
| USDC 10 | INR 951.11 |
| USDC 20 | INR 1,902.23 |
| USDC 50 | INR 4,755.57 |
| USDC 100 | INR 9,511.13 |
| USDC 250 | INR 23,777.83 |
| USDC 500 | INR 47,555.65 |
| USDC 1,000 | INR 95,111.30 |
| USDC 2,000 | INR 190,222.60 |
| USDC 5,000 | INR 475,556.50 |
| USDC 10,000 | INR 951,113.00 |
 USDT | INR |
|---|---|
| USDT 1 | INR 94.16 |
| USDT 5 | INR 470.80 |
| USDT 10 | INR 941.60 |
| USDT 20 | INR 1,883.20 |
| USDT 50 | INR 4,708.01 |
| USDT 100 | INR 9,416.02 |
| USDT 250 | INR 23,540.05 |
| USDT 500 | INR 47,080.10 |
| USDT 1,000 | INR 94,160.20 |
| USDT 2,000 | INR 188,320.40 |
| USDT 5,000 | INR 470,801.00 |
| USDT 10,000 | INR 941,602.00 |
What affects your USDT to INR settlement
What lands in your users' accounts depends on the dollar-rupee rate and the route the money takes.
- 01USD to INR rate: Fed and RBI policy, inflation and trade flows move the dollar-rupee rate that a pegged stablecoin converts at.
- 02Peg stability: USDT and USDC target 1:1 with the dollar. Brief depegs can shift value for minutes, so the rate is set at the time of conversion.
- 03Route spread: P2P and exchange quotes bake a margin into the INR price that's hard to see. Upfront, transparent pricing makes the real cost clear.
- 04Tax and compliance: A 1% TDS on virtual digital assets and missing FIRA raise the true cost of informal routes well beyond the headline rate.