> ## Documentation Index > Fetch the complete documentation index at: https://docs.l2pass.com/llms.txt > Use this file to discover all available pages before exploring further. # Best Way to Swap USDT or BTC to ZEC: L2Pass vs MAYAChain, FixedFloat, ChangeNOW and More > Live quotes compared: USDT and BTC to ZEC on L2Pass, MAYAChain, LI.FI and instant exchanges such as FixedFloat and ChangeNOW (via Trocador). We requested live quotes for USDT and BTC to ZEC from [L2Pass Swap](https://swap.l2pass.com/) and other services on October 19, 2026, with the same amounts for every provider. L2Pass RFQ by NEAR Intents returned the most ZEC both from Tron (0.89327 ZEC) and from Ethereum (0.89332 ZEC). It also beat the best of more than ten instant exchanges compared on Trocador. THORChain and SideShift could not quote ZEC at that time. The L2Pass fee is up to 0.2%, or up to 0.3% for a private swap, included in every amount below. ## Results at a glance | Swap | Most received | L2Pass RFQ | Best instant exchange (Trocador) | | :- | :- | :- | :- | | 1,000 USDT on Tron to ZEC | L2Pass RFQ | 0.89444 ZEC | 0.89369 ZEC (Changee) | | 1,000 USDT on Ethereum to ZEC | L2Pass RFQ | 0.89332 ZEC | 0.89109 ZEC (Changee) | | 0.01 BTC to ZEC | L2Pass RFQ, 0.73128 ZEC (MAYAChain protocol quote 0.73178 ZEC, before interface fees) | 0.73128 ZEC | 0.73104 ZEC (CoinCraddle) | L2Pass and MAYAChain quotes are from 18:21 to 18:28 UTC, and Trocador quotes from 18:30 to 18:31 UTC. The Tron row uses the L2Pass quote refreshed at 18:28 UTC. ## How we compared * **When:** October 19, 2026, between 18:21 and 18:31 UTC. Times are noted for each table. * **How:** the same quote requests each provider's web interface makes, with the same amounts. No swaps were executed. * **What we compare:** the amount you receive, after the provider's fees and the destination network fee. > [!NOTE] > > Snapshots from October 19, 2026. Quotes change every few seconds, so open [L2Pass Swap](https://swap.l2pass.com/) for current numbers. ## Live quotes **USDT on Tron to ZEC** Quotes at 18:21 UTC. | Provider | You receive | Estimated time | Fees shown | | :- | :- | :- | :- | | **L2Pass RFQ** | **0.89327 ZEC** | About 3 minutes | 0.2% L2Pass fee, 0.00032 ZEC network fee | | LI.FI (via NEAR Intents) | 0.89194 ZEC | About 3 minutes | 2.50 USD LI.FI fee, 1.20 USD NEAR fees | | L2Pass Private | 0.88702 ZEC | About 3 minutes | 0.3% L2Pass fee | | ChangeNOW, standard | 0.87582 ZEC | 10 to 60 minutes | 4.8 USDT deposit fee | | ChangeNOW, fixed rate | 0.85970 ZEC | Not shown | Included in the rate | Not available at that time: THORChain ("trading is halted"), SideShift (the ZEC pair was disabled), and MAYAChain, Relay and deBridge (no route from Tron to Zcash). **USDT on Ethereum to ZEC** Quotes at 18:21 UTC. | Provider | You receive | Estimated time | Fees shown | | :- | :- | :- | :- | | **L2Pass RFQ** | **0.89332 ZEC** | About 2.5 minutes | 0.2% L2Pass fee, 0.00032 ZEC network fee | | LI.FI (via NEAR Intents) | 0.89198 ZEC | About 2.5 minutes | 2.51 USD LI.FI fee, 1.20 USD NEAR fees | | L2Pass Private | 0.88792 ZEC | About 2.5 minutes | 0.3% L2Pass fee | | ChangeNOW, standard | 0.87987 ZEC | 10 to 60 minutes | Included in the rate | | MAYAChain protocol quote\* | 0.87828 ZEC | About 30 seconds | 0.00818 ZEC (0.92%), before any interface fee | | ChangeNOW, fixed rate | 0.86013 ZEC | Not shown | Included in the rate | Not available at that time: THORChain and SideShift (same errors as above), Relay and deBridge (no Zcash support). **BTC to ZEC** Quotes at 18:28 UTC (L2Pass, MAYAChain) and 18:30 UTC (instant exchanges through [Trocador](https://trocador.app)). | Provider (Trocador rating) | You receive | Rate type | | :- | :- | :- | | MAYAChain protocol quote\* | 0.73178 ZEC | Variable, about 10 minutes, before any interface fee | | **L2Pass RFQ** | **0.73128 ZEC** | Variable, about 15 minutes | | CoinCraddle (B) | 0.73104 ZEC | Floating | | Changee (C) | 0.73104 ZEC | Floating | | FixedFloat (C) | 0.72908 ZEC | Floating | | L2Pass Private | 0.72710 ZEC | Variable, 0.3% L2Pass fee | | FixedFloat (C), best fixed rate | 0.72542 ZEC | Fixed | | ChangeNOW (C), lowest | 0.71680 ZEC | Floating | THORChain could not quote (ZEC trading halted). \* A protocol quote is the raw number from the protocol's quote service. Apps built on it add their own fee, so users see less. Side by side with the THORChain app, L2Pass returned more on every pair we checked (see [Compare: BTC swaps](/products/swap/learn/compare-btc-swaps)). ## Instant exchanges through Trocador: USDT to ZEC Requested at 18:31 UTC. L2Pass RFQ was refreshed at 18:28 UTC and returned 0.89444 ZEC from Tron. | Exchange (Trocador rating) | 1,000 USDT on Tron | 1,000 USDT on Ethereum | | :- | :- | :- | | Best floating | 0.89369 ZEC (Changee, C) | 0.89109 ZEC (Changee, C) | | Second | 0.89322 ZEC (CoinCraddle, B) | 0.89059 ZEC (CoinCraddle, B) | | Best fixed | 0.88751 ZEC (Simpleswap, B) | 0.88542 ZEC (FixedFloat, C) | | Lowest shown | 0.86743 ZEC (ChangeNOW, C) | 0.87433 ZEC (ChangeNOW, C) | Trocador's privacy rating (A to C here) reflects each exchange's terms, privacy policy and refund practice when a user refuses verification. Trocador notes that any exchange can still pause a swap and ask for KYC or AML checks. Floating amounts are estimates and are re-priced when your deposit confirms; fixed amounts are locked. ## What the numbers show * **L2Pass RFQ returned the most ZEC for USDT** from both networks, ahead of every instant exchange on Trocador. For 0.01 BTC, only MAYAChain's raw protocol quote was higher, by 0.07%, before any app fee. * **L2Pass Private beat several public routes.** Even with the 0.3% fee, it returned more ZEC than ChangeNOW and MAYAChain for USDT on Ethereum. * **Few cross-chain protocols support ZEC from Tron.** Only L2Pass and LI.FI returned a quote, and LI.FI routed through NEAR Intents, the same network behind L2Pass RFQ, with its own fees on top. Instant exchanges cover the pair, at lower amounts. * **Availability changes.** THORChain had ZEC trading halted, and SideShift had the pair disabled, at the time of our quotes. ## Which one to use * **USDT to ZEC, from Tron or Ethereum:** L2Pass RFQ returned the most. * **BTC to ZEC:** L2Pass RFQ returned more than every instant exchange. MAYAChain's raw protocol quote was 0.07% higher before app fees. * **Private execution:** L2Pass Private, for 0.3% instead of 0.2%. ## Things to know * **Privacy is not anonymity.** L2Pass Private limits what public blockchains show about how the swap is filled. Providers still receive your wallet address, and compliance screening applies. * **Receiving address.** Use a transparent Zcash address unless the quote accepts yours, then shield the ZEC in your wallet. * **Compliance checks.** If a provider flags a swap as high risk, it decides whether to complete, refund or hold it, and a refund is not guaranteed. ## FAQ > **What is the best way to buy ZEC with USDT?** > > In our live quotes on October 19, 2026, L2Pass RFQ returned the most ZEC for 1,000 USDT, both from Tron and from Ethereum. > **What is the best way to swap BTC to ZEC?** > > In our quotes, L2Pass RFQ returned 0.73128 ZEC for 0.01 BTC, ahead of every instant exchange on Trocador. MAYAChain's raw protocol quote was 0.73178 ZEC, before the fee its apps add. > **Why could THORChain and SideShift not quote ZEC?** > > At the time of our quotes, THORChain returned "trading is halted" for ZEC and SideShift had the pair disabled. Availability changes, so check again when you swap. > **Can I buy ZEC without KYC?** > > Yes. L2Pass Swap needs no account or KYC for regular use. A provider may request extra checks for a specific transaction. > **Which is more private, L2Pass Private or a shielded wallet?** > > They do different things. L2Pass Private limits what public blockchains show about how the swap is filled. A shielded wallet hides balances and transfers on Zcash after you receive the ZEC. You can use both. ## Links * [Open L2Pass Swap](https://swap.l2pass.com/) * [How to make a private ZEC swap](/products/swap/guides/private-swaps-with-zec) * [What is a private cross-chain swap](/products/swap/learn/private-cross-chain-swaps) * [L2Pass Swap fees explained](/products/swap/learn/fees) * [Compare: BTC swaps](/products/swap/learn/compare-btc-swaps) * [Compare: stablecoin transfers](/products/swap/learn/compare-stablecoin-transfers) *Last updated: October 19, 2026* This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.