Swap USD Coin (USDC) to Monero (XMR)
Exchange USD Coin for Monero without an account. Enter an amount, give a Monero address, send the exact USDC amount shown — your XMR follows once the deposit confirms.
USDC to XMR rate
Market rate, updated 2026-10-25 16:19 UTC1 USDC = 0.00165353 XMR
1 XMR = 604.768 USDC
USD Coin is trading at $0.999524 and Monero at $604.48. Your quote applies a 0.5% swap fee and a network-fee charge for theMonero payout to this rate, and shows the exact XMR you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 10 USDC | 0.016543 XMR | $10 |
| 50.02 USDC | 0.082716 XMR | $50 |
| 100 USDC | 0.16543 XMR | $100 |
| 500.2 USDC | 0.82716 XMR | $500 |
| 1000 USDC | 1.6543 XMR | $1,000 |
| 5002 USDC | 8.2716 XMR | $5,000 |
USDC to XMR swap details
- Minimum swap
- $100 (≈ 100 USDC)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the Monero payout transaction, shown in the quote
- Quote valid for
- 60 minutes to accept, then refreshed
- USDC deposit confirmation
- Verified on the USD Coin network before the payout is released
- XMR payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange USD Coin (USDC) to Monero (XMR)?
Every USD Coin transaction is public. Swap USDC to XMR and the Monero you receive is hidden on-chain — the amount, the sender and your address.
The USDC/XMR exchange rate, the network fee and the swap fee are shown before you send a single USDC. The XMR amount quoted is the XMR amount you get.
Nothing is asked of you beyond a Monero address. Send the exact USDC figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending USD Coin
USD Coin is a fully reserved US-dollar stablecoin issued by Circle, available natively on Ethereum and Solana among others.
USDC can be sent on Ethereum (ERC-20), Solana, Tron (TRC-20), Polygon, BNB Smart Chain (BEP-20) and Arbitrum. Choose the network in the widget first: the deposit address belongs to that network and USDC sent on any other network cannot be recovered.
Your USDC deposit is verified on the Ethereum (ERC-20) network before the swap proceeds — typically a few minutes on Ethereum, well under a minute on Solana after you send.
Pick the network in the widget before sending and use the matching address.
Receiving Monero
Monero is a privacy coin where every transaction is private by default: ring signatures hide the sender, stealth addresses hide the receiver and RingCT hides the amount.
Your Monero goes to the address you give, and only that address. Accepted formats: standard addresses are 95 characters starting with 4; subaddresses start with 8; integrated addresses start with 4 and are 106 characters.
Any standard address or subaddress works. Because Monero amounts are hidden on-chain, only you and your wallet can see the payout land.
The payout is sent once your deposit is confirmed. Monero blocks arrive about 2 minutes, so it is usually spendable within minutes of being sent.
How to swap USDC to XMR
Full details →- 01Get a USDC to XMR quote
Enter how much USD Coin you want to convert. You see the live USDC to XMR rate, both fees and the exact Monero you will receive before you commit.
- 02Send your USD Coin
You get a USD Coin (USDC) deposit address and an exact amount. Send it from any USD Coin wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive Monero (XMR)
Once the USDC deposit confirms on-chain, Monero is sent to the Monero address you gave. Track it on the swap’s status page, no login needed.
USD Coin (USDC) to Monero (XMR) FAQ
- What does the USDC to XMR rate mean?
- It is how much Monero (XMR) you receive for each USD Coin (USDC) you send, taken from live market prices at the moment you ask for a quote. The rate moves with the market, so you have 60 minutes to accept a quote and create the swap; the widget refreshes it automatically if you take longer. Funding the swap once it exists has its own separate deadline, shown on your swap page.
- How do I convert USDC to XMR?
- Enter the amount of USDC in the widget, choose XMR as what you receive, and give a Monero address. You are shown a deposit address and an exact USDC amount; send that amount and the XMR is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange USDC for XMR?
- Two, both shown in the quote before you send: a swap fee of 0.5% of the amount, and a network-fee charge for the Monero payout transaction. There is nothing added afterwards — the XMR amount in the quote is the XMR amount that arrives.
- What is the minimum USDC/XMR exchange amount?
- $100 worth, shown in the widget as an amount of USDC at the current rate. There is no maximum imposed by the site beyond available Monero liquidity, and no verification at any size.
- Do I need an ID to swap USDC to XMR?
- No. There is no KYC, no account and no email required. A swap is identified by its link, which shows its status without logging in. Creating an account is optional and only keeps your swap history in one place.
- How long do USDC to XMR swaps take?
- USD Coin deposits usually confirm in a few minutes on Ethereum, well under a minute on Solana, after which the deposit is verified on-chain. Swap times vary by asset and by how quickly its network confirms. Your swap status page shows the current stage throughout the process.
- Which network can I send USDC on?
- Ethereum (ERC-20), Solana, Tron (TRC-20), Polygon, BNB Smart Chain (BEP-20) and Arbitrum. Select the network before you start; the deposit address is specific to it. Pick the network in the widget before sending and use the matching address.
- What happens if my USDC deposit is late or the swap expires?
- There are two separate deadlines. The quote itself is held for 60 minutes — that is how long you have to accept the price and create the swap. Once the swap exists you get a separate funding window, shown on your swap page, to send the USDC. If your deposit arrives after that window closes, the status page shows Expired and the swap moves to Review required; it is then completed at the current rate or refunded to your refund address. Nothing is lost by being late — a late deposit just needs review before it is processed.
- Is exchanging USDC for XMR private?
- Your USDC deposit is visible on the USD Coin ledger like any USDC transaction. The Monero payout is not: ring signatures, stealth addresses and RingCT hide the sender, the receiving address and the amount on-chain. We store only what a swap needs — amounts, transaction ids and the address you gave.
Related guides
All guides →- Choosing the right USDC network for a swap
Circle issues native USDC on dozens of blockchains, and SwapToZec accepts two of them. How to pick, and why native USDC and bridged USDC are not interchangeable.
- What happens if you send crypto on the wrong network?
Sometimes the funds are trivially recoverable, sometimes they are gone, and the difference comes down to who holds the private key. How to tell which situation you are in.
- How to Buy Monero (XMR) Without KYC in 2026
Swap crypto you hold, buy with fiat on a P2P market, or atomic-swap from Bitcoin: exact steps, real fees, and what 'no KYC' does not hide.
- Zcash vs Monero: how the privacy actually differs, and which to use
Monero hides every transaction by default; Zcash hides the ones you shield. What each model hides, what it leaks, and which fits which situation.
- How on-chain deposit confirmations actually work
What a confirmation is, why "6 confirmations" means nothing on Ethereum or Solana, and why a transaction being visible is not the same as it being safe to act on.
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