# Swap SOL to USDT in Gem Wallet - On Solana or Cross-Chain
> Gem Wallet lets you swap SOL to USDT and pick where USDT lands: Solana, TRON, BNB Chain, Ethereum or TON. Live quotes from 20+ providers. No sign-up.

## What Is a SOL to USDT Swap?

A SOL to USDT swap moves value out of SOL, the native coin of [Solana](https://gemwallet.com/solana-wallet/), into [USDT](https://gemwallet.com/usdt-wallet/), the Tether stablecoin that targets $1. SOL holders make this swap to take profit after a rally and keep the result in a balance that does not move with the market, or to get USDT for payments. The swap has two forms. When USDT should stay on Solana, it is one Solana transaction through a DEX pool, and USDT arrives as an [SPL token](https://gemwallet.com/spl-wallet/) at the same address as your SOL. When USDT is needed on TRON, BNB Chain, Ethereum or TON, the swap is cross-chain: SOL leaves Solana and USDT arrives on the chosen network, without a centralized exchange account in between. The way back, [USDT to SOL](https://gemwallet.com/swap-usdt-to-sol/), is how the same USDT buys SOL again later.

## How Gem Wallet Finds the Best Rate

Gem Wallet picks the route by the network where your USDT should arrive. For USDT on Solana, Jupiter, Raydium, Orca and OKX DEX quote the same SOL, and the one that returns the most USDT wins. For USDT on another network, cross-chain providers take over: Mayan delivers USDT to BNB Chain, and Chainflip delivers it to Ethereum or TRON. Before you sign, Gem Wallet checks the Solana transaction against the programs it ships for the chosen provider, so a swap can only call that provider's own contracts. Out of 20+ swap providers, the quote shows the best route with the rate, the network fees and the minimum USDT you receive on the network you picked, and Gem Wallet's fee is already included in it. More on the cross-chain side: [Chainflip in Gem Wallet](https://gemwallet.com/learn/integrating-chainflip-with-gem-wallet-cross-chain-swaps-without-bridges-or-wrappers/).

## SOL to USDT Networks & Fees

Before the swap you pick the receiving network. It decides the route, how soon USDT arrives and what every later USDT transfer will need:

| Receiving network | Route from SOL | USDT arrives in | Later USDT transfers |
| --- | --- | --- | --- |
| Solana ([SPL](https://gemwallet.com/spl-wallet/)) | One transaction on Solana - Jupiter, Raydium, Orca or OKX DEX | Seconds | Very low, paid in SOL |
| TRON ([TRC20](https://gemwallet.com/trc20-wallet/)) | Cross-chain - Chainflip | Minutes | Moderate, paid in TRX or energy |
| BNB Chain ([BEP20](https://gemwallet.com/bep20-wallet/)) | Cross-chain - Mayan | Minutes | Low, paid in BNB |
| Ethereum ([ERC20](https://gemwallet.com/erc20-wallet/)) | Cross-chain - Chainflip | Minutes | Low, paid in ETH |
| [TON](https://gemwallet.com/ton-wallet/) | Cross-chain | Minutes | Very low, paid in TON |

For the current cost of a transfer on every network, see the [live USDT transfer fees](https://gemwallet.com/gastracker/usdt/).

The swap itself is paid in SOL on every route, because it always starts on Solana. Staying on Solana is one transaction with one network fee; a cross-chain route also covers the delivery to the other network, and the quote already includes it. Choose the receiving network by where the USDT goes next: an exchange deposit, a payment or a Solana app each accepts USDT on specific networks.

Keep some SOL after the swap. If your wallet has never held USDT on Solana, the swap opens a USDT token account, and Solana keeps a small SOL deposit on it. When you swap 100% of your SOL, Gem Wallet leaves a small reserve in the wallet for exactly this reason. If you run out of SOL for fees later, [buy SOL](https://gemwallet.com/buy-solana/) with a card in the app.