You can buy USDT (Tether) in Serbia through a virtual-asset service provider that holds the appropriate licence. The process involves creating an account, verifying your identity, depositing funds and confirming your purchase. USDT is also available through the Crypto12 app. Before trading, check the exchange rate, fees and applicable terms.
USDT is one of the best-known stablecoins, a type of crypto-asset designed to track the value of the US dollar. It is used to hold and transfer value digitally and to exchange other cryptocurrencies. However, although USDT differs from Bitcoin and other volatile cryptocurrencies, it is not risk-free.
This guide explains what USDT is, how to buy it in Serbia, which regulations matter and what to check before your first transaction.
What is USDT (Tether)?
USDT is a stablecoin issued by Tether. It is designed to track the US dollar, with one USDT intended to maintain a value of approximately one US dollar.
Unlike Bitcoin, whose market price changes with supply and demand, USDT has a target reference value. This makes it useful for transferring funds between crypto wallets, trading digital assets and temporarily holding value in digital form.
USDT is not the same as US dollars held in a bank account. Its stability depends on the mechanism used to maintain its peg, the issuer’s reserves and operations, and its market price may deviate from the target value.
Is buying USDT legal in Serbia?
Yes. The purchase, sale and exchange of digital assets in Serbia are regulated by the Law on Digital Assets, which has applied since 29 June 2021.
The law regulates services related to digital assets, including virtual currencies. The National Bank of Serbia is responsible for licensing virtual-currency service providers.
It is important to distinguish the legality of purchasing and holding digital assets from their status as a means of payment. USDT is not legal tender in Serbia, and direct payment for goods and services in virtual currencies is subject to specific legal restrictions.
When choosing a platform, check which legal entity provides the service, whether it has the relevant licence, how it verifies customers and the terms under which transactions are executed.
How to buy USDT in Serbia with Crypto12
Crypto12 is a brand operated by VESCON DOO, which holds a licence from the National Bank of Serbia to provide services related to virtual currencies. Information about the company, its licence and authorised services is available in the official National Bank of Serbia register.
USDT is among the digital assets supported by the Crypto12 app. The purchase process involves the following steps.
1. Download the Crypto12 app and create an account
Start by creating a user account through the Crypto12 app. During registration, provide the required information and complete the account setup steps.
For more information about registration and using the app, visit the Crypto12 FAQ.
2. Complete identity verification
Before buying, you need to complete identity verification and have your account approved. This is part of the regulatory obligations of service providers, including anti-money laundering and counter-terrorist financing requirements.
Crypto12 currently verifies customers in person at its office in Brankov Business Center, Carice Milice 2, Belgrade. You can schedule an appointment with the Crypto12 team on the Contact page.
3. Deposit funds into your account
Once your account has been approved, you can make a deposit according to Crypto12 instructions. Fiat funds are deposited by bank transfer, and the available deposit currency depends on your residency status and other applicable conditions.
Before making a deposit, verify the payment details and the terms that apply to your user profile.
4. Select USDT and review the quote
Find Tether (USDT) in the Crypto12 app, enter the amount you wish to purchase and review the available quote.
Before confirming, check the displayed exchange rate, the amount of USDT you will receive and the total purchase cost. The exchange rate between the US dollar and the dinar or another payment currency can also affect the final amount.
5. Confirm your purchase
After reviewing the details, confirm the purchase in the app. The purchased USDT will be credited to your user account in accordance with the transaction execution terms.
You can then view your digital-asset balance and the available options for further use, exchange or transfer.
What are the fees for buying USDT?
USDT purchase fees depend on the customer category, transaction method and the applicable fee schedule.
Crypto12 currently offers a promotional fee of 0.95% for individual clients who are residents of Serbia when buying or selling cryptocurrencies through the app, for the first EUR 10,000 of monthly exchange volume. After that threshold, the applicable regular fee schedule applies.
Different fees may apply to other customer categories or services. You should also distinguish the purchase fee from the costs of subsequently transferring USDT to an external wallet.
For current terms and cost calculations, see the Crypto12 fee calculator and official fee schedules.
Which blockchain network does USDT use?
USDT exists on multiple blockchain networks, including Ethereum and TRON. Although the token is called USDT on these networks, the technical transfer methods and addresses can differ.
This is particularly important if you want to send USDT from your Crypto12 account to an external wallet or receive it from another platform.
Before transferring funds, confirm that both the platform and wallet support the same network, that the recipient address is correct and which network fees apply. Sending assets to the wrong address or over an unsupported network can lead to permanent loss.
Is USDT safe because it tracks the US dollar?
No digital asset is free from risk. Although USDT is designed to maintain a value close to one US dollar, this does not guarantee stability or the return of invested funds.
Risks to understand include deviations from the target value, risks associated with the issuer and its reserves, platform operational risks and blockchain transfer risks.
Stablecoin rules also vary between jurisdictions. A service provider’s regulatory status does not mean that the government guarantees the value of USDT.
Frequently asked questions about buying USDT
Can I buy USDT with Serbian dinars?
Residents of Serbia can deposit dinars into their Crypto12 account using the provided bank instructions and then purchase supported digital assets, including USDT. Check the exchange rate and the total transaction amount before buying.
Can I buy USDT without identity verification?
To buy USDT through the Crypto12 app, you must first complete the required identity verification process and have your account approved.
Can foreign nationals buy USDT in Serbia?
Crypto12 also allows foreign nationals to open an account, subject to the required documentation and verification process. Deposit options, fees and documentation depend on the status and circumstances of each customer.
Can I transfer USDT to my own crypto wallet?
Crypto12 supports transfers of eligible digital assets to compatible external wallets. Before transferring USDT, check the supported network, recipient address, withdrawal fee and network costs.
Is USDT the same as the US dollar?
No. USDT is a digital token designed to track the US dollar. It is neither US dollars held in a bank account nor legal tender in Serbia.
Buying USDT with Crypto12
USDT can be purchased in Serbia through a regulated process with a provider that holds the appropriate licence. The important things are to understand the purchase terms, check the fees and know how your digital assets will be held or transferred.
Crypto12 offers USDT buying and selling through its mobile app, following registration, verification and account approval.
Before your first transaction, review the fees and calculator, read the FAQ or contact the Crypto12 team for further information.