Swap Zcash (ZEC) to USD Coin (USDC)
Exchange Zcash for USD Coin without an account. Enter an amount, give a USD Coin address, send the exact ZEC amount shown — your USDC follows once the deposit confirms.
ZEC to USDC rate
Market rate, updated 2026-10-25 19:15 UTC1 ZEC = 1220.13 USDC
1 USDC = 0.000819587 ZEC
Zcash is trading at $1219.66 and USD Coin at $0.99962. 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 |
|---|---|---|
| 0.008199 ZEC | 10.004 USDC | $10 |
| 0.04099 ZEC | 50.019 USDC | $50 |
| 0.08199 ZEC | 100.04 USDC | $100 |
| 0.4099 ZEC | 500.19 USDC | $500 |
| 0.8199 ZEC | 1000.4 USDC | $1,000 |
| 4.099 ZEC | 5001.9 USDC | $5,000 |
ZEC to USDC swap details
- Minimum swap
- $100 (≈ 0.0819 ZEC)
- 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
- ZEC deposit confirmation
- Verified on the Zcash network before the payout is released
- USDC payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange Zcash (ZEC) to USD Coin (USDC)?
Exchange ZEC for USDC and the USD Coin goes to an address you control. No account to open, no balance left with us.
The ZEC/USDC exchange rate, the network fee and the swap fee are shown before you send a single ZEC. The USDC amount quoted is the USDC amount you get.
Nothing is asked of you beyond a USD Coin address. Send the exact ZEC figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending Zcash
Zcash is a proof-of-work chain that pioneered zero-knowledge (zk-SNARK) shielded transactions: the sender, receiver and amount of a shielded transfer are encrypted on-chain.
Zcash blocks arrive about 75 seconds, so a deposit usually confirms in a few minutes.
Your ZEC deposit is verified on the Zcash network before the swap proceeds — typically a few 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 ZEC to USDC
Full details →- 01Get a ZEC to USDC quote
Enter how much Zcash you want to convert. You see the live ZEC to USDC rate, both fees and the exact USD Coin you will receive before you commit.
- 02Send your Zcash
You get a Zcash (ZEC) deposit address and an exact amount. Send it from any Zcash wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive USD Coin (USDC)
Once the ZEC 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.
Large ZEC to USDC swaps
A large ZEC to USDC swap converts a Zcash position into a dollar-denominated stablecoin at a rate you see before committing. The system can produce automatic quotes up to $50,000,000 when current pricing and configuration conditions permit, and declines rather than quoting when they do not.
Two receiving networks, chosen once
USDC payouts here go to Ethereum or Solana. Circle issues native USDC on more chains than these two, so the choice is about where SwapToZec can send rather than where USDC exists. Pick the network you can actually receive and move funds on.
Solana arrives faster; the rate is the same
Solana typically settles in well under a minute, Ethereum in a few minutes. Neither changes what you receive — the figure on the quote is identical on both, so network choice affects timing and onward fees, not price.
Think about what happens after the payout
On a large conversion, the network you receive on determines what moving those funds later costs you. USDC sitting on a chain you rarely use means a bridge or an exchange transfer before you can do anything with it. Choose the chain where the funds are actually useful to you.
Give a receiving address you control
The payout goes to the address you supply on the network you picked, and cannot be recalled once sent. Check it is an address you can actually withdraw from on that chain — an exchange deposit address for the wrong network is the common way this goes wrong.
Pricing widens with size
Larger transactions are not priced at the same unit rate as smaller ones. A quote has to hold while you decide and fund it, and the larger the amount, the more a market move over that window is worth. Pricing therefore widens with size, and the adjustment is already inside the figure you see.
Larger transactions are not priced at the same unit rate as smaller ones. A quote has to hold while you decide and fund it, and the larger the amount, the more a market move over that window is worth. Pricing therefore widens with size, and the adjustment is already inside the figure you see.
Quotes for larger amounts expire sooner than quotes for small ones. The expiry covers accepting the quote and creating the swap; funding it has its own separate window that starts when the swap is created.
- Should I receive large USDC on Ethereum or Solana?
- Whichever you can use afterwards without an extra transfer. Solana usually arrives faster and costs less to move; Ethereum has broader support. The quoted amount is the same on both.
- Is USDC treated as exactly one dollar when pricing my ZEC?
- No. The USD notional comes from live USDC markets rather than an assumed peg, and the quote shows the figure it used.
For how large ZEC swaps work in general — pricing at size, liquidity, settlement and how this differs from an OTC desk — see Zcash OTC and large ZEC swaps.
Zcash (ZEC) to USD Coin (USDC) FAQ
- What does the ZEC to USDC rate mean?
- It is how much USD Coin (USDC) you receive for each Zcash (ZEC) 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 ZEC to USDC?
- Enter the amount of ZEC in the widget, choose USDC as what you receive, and give a USD Coin address. You are shown a deposit address and an exact ZEC 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 ZEC 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 ZEC/USDC exchange amount?
- $100 worth, shown in the widget as an amount of ZEC 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 ZEC 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 ZEC to USDC swaps take?
- Zcash deposits usually confirm in a few 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 ZEC 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 ZEC. 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 ZEC?
- Yes — every pair works in both directions. The USDC to ZEC page is linked below.
Related guides
All guides →- Zcash transaction fees and how long a Zcash transaction takes
What a ZEC transaction costs under ZIP 317, how many confirmations to expect and when, why a transaction sits pending, and how to check one.
- Zcash unified addresses (u1…) explained
A unified address bundles a Zcash user's transparent and shielded receivers into one string. Here's what's inside a u1…, and what happens when you send to one.
- Zcash shielded vs transparent addresses, explained
The difference between t-addresses and u-addresses in Zcash, when to use which, and what actually happens on-chain.
- Zcash viewing keys: proving a shielded payment without giving up your keys
A viewing key lets someone read your shielded Zcash activity without being able to spend it. Here's what the different key types reveal, and when you'd hand one over.
- When a service won't accept your Zcash shielded or unified address
Some services accept only t-addresses and reject u1… as invalid. Why that happens, what a unified address does when the sender supports only part of it, and how to shield your ZEC anyway.
- The complete guide to receiving your first ZEC
Wallet setup, address types, funding, and what to do the first time your ZEC arrives — step by step.
- 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.
Related swaps
All pairs →Going the other way? Swap USD Coin to Zcash.
See every route into USD Coin or everything you can swap Zcash for.