Swap Monero (XMR) to USD Coin (USDC)
Exchange Monero for USD Coin without an account. Enter an amount, give a USD Coin address, send the exact XMR amount shown — your USDC follows once the deposit confirms.
XMR to USDC rate
Market rate, updated 2026-10-25 16:40 UTC1 XMR = 603.458 USDC
1 USDC = 0.00165712 XMR
Monero is trading at $603.2 and USD Coin at $0.999572. Your quote applies a 0.5% swap fee and a network-fee charge for theUSD Coin payout to this rate, and shows the exact USDC you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 0.01658 XMR | 10.004 USDC | $10 |
| 0.08289 XMR | 50.021 USDC | $50 |
| 0.1658 XMR | 100.04 USDC | $100 |
| 0.8289 XMR | 500.21 USDC | $500 |
| 1.658 XMR | 1000.4 USDC | $1,000 |
| 8.289 XMR | 5002.1 USDC | $5,000 |
XMR to USDC swap details
- Minimum swap
- $100 (≈ 0.165 XMR)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the USD Coin payout transaction, shown in the quote
- Quote valid for
- 60 minutes to accept, then refreshed
- XMR deposit confirmation
- Verified on the Monero network before the payout is released
- USDC payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange Monero (XMR) to USD Coin (USDC)?
Exchange XMR for USDC and the USD Coin goes to an address you control. No account to open, no balance left with us.
The XMR/USDC exchange rate, the network fee and the swap fee are shown before you send a single XMR. The USDC amount quoted is the USDC amount you get.
Nothing is asked of you beyond a USD Coin address. Send the exact XMR figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending 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.
Monero blocks arrive about 2 minutes, so a deposit usually confirms in 10–20 minutes.
Your XMR deposit is verified on the Monero network before the swap proceeds — typically 10–20 minutes after you send.
Receiving 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 paid out on Ethereum (ERC-20), Solana, Tron (TRC-20), Polygon, BNB Smart Chain (BEP-20) and Arbitrum. Pick the network you want in the widget and give an address on that network — an 0x… address on Ethereum, a base58 address on Solana.
Choose the network you want the USDC on; the address you give must belong to that network.
The payout is sent once your deposit is confirmed. USD Coin blocks arrive that of the network it is on, so it is usually spendable within minutes of being sent.
How to swap XMR to USDC
Full details →- 01Get a XMR to USDC quote
Enter how much Monero you want to convert. You see the live XMR to USDC rate, both fees and the exact USD Coin you will receive before you commit.
- 02Send your Monero
You get a Monero (XMR) deposit address and an exact amount. Send it from any Monero wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive USD Coin (USDC)
Once the XMR deposit confirms on-chain, USD Coin is sent to the USD Coin address you gave. Track it on the swap’s status page, no login needed.
Monero (XMR) to USD Coin (USDC) FAQ
- What does the XMR to USDC rate mean?
- It is how much USD Coin (USDC) you receive for each Monero (XMR) 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 XMR to USDC?
- Enter the amount of XMR in the widget, choose USDC as what you receive, and give a USD Coin address. You are shown a deposit address and an exact XMR amount; send that amount and the USDC is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange XMR for USDC?
- 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 USD Coin payout transaction. There is nothing added afterwards — the USDC amount in the quote is the USDC amount that arrives.
- What is the minimum XMR/USDC exchange amount?
- $100 worth, shown in the widget as an amount of XMR at the current rate. There is no maximum imposed by the site beyond available USD Coin liquidity, and no verification at any size.
- Do I need an ID to swap XMR to USDC?
- 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 XMR to USDC swaps take?
- Monero deposits usually confirm in 10–20 minutes, 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 USD Coin address should I give?
- Any address in a format USD Coin accepts: an 0x… address on Ethereum, a base58 address on Solana. Choose the network you want the USDC on; the address you give must belong to that network.
- What happens if my XMR 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 XMR. 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.
- Can I swap USDC back to XMR?
- Yes — every pair works in both directions. The USDC to XMR page is linked below.
Related guides
All guides →- How to Buy Monero (XMR) Without KYC in 2026
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- 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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