Swap ADA to USDC in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the USDC goes straight to the wallet address you enter.
Enter the amount of Cardano you want to swap in the widget above. It shows an estimate of the USD Coin you will receive on the Ethereum network at the current floating rate, with the payout network fee already taken into account.
Paste your USDC (Ethereum) wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your ADA to the one-time deposit address on the Cardano network. Once the deposit confirms, the swap runs automatically and the USDC is sent to your wallet. The order page shows every stage.
Swapping Cardano (ADA) for USD Coin (USDC) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the USDC goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Cardano deposit confirms on Cardano. The payout is sent on Ethereum, so check that your USD Coin address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
9 ADA
≈
1.011198 USDC
At the latest hourly update, 9 ADA converts to about 1.011198 USDC. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
USDC token contract:
0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
Approximate exchange rates between these assets, refreshed hourly
This page takes Cardano (ADA) from the Cardano network and pays out USD Coin (USDC) as an ERC-20 token on Ethereum by default, to an Ethereum address you own. No account is required. Many people swap ADA to USDC to step out of ADA's price swings into a dollar-pegged stablecoin, for example ahead of a large payment, while keeping the funds on chain in a self-custody wallet.
USDC is issued by Circle, which backs it with cash and short-term US Treasury holdings and aims to keep it worth one US dollar. Because the payout defaults to the ERC-20 contract on Ethereum, you need a 0x address, and moving that USDC later costs gas paid in ETH. ADA lives on Cardano, a separate proof-of-stake chain, which makes this a cross-chain swap. If you prefer Solana, Base, Arbitrum or Polygon, choose that USDC network in the selector.
The widget shows a floating-rate estimate, and because the payout is an Ethereum transaction, its network fee is already deducted in that figure. Your USDC amount can change slightly if the price of ADA moves before the deposit confirms. With Ethereum adding a block every 12 seconds, the payout itself is rarely the slow part; Cardano confirmations and general network load matter more. Follow the order page for live status and the transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Cardano (ADA) | USD Coin (USDC) |
| Network | Cardano | Ethereum |
| Type | Native coin | ERC-20 token |
| Contract | - | 0xA0b869…06eB48 |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Cardano to Ethereum | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 8.401789 ADA | |
| Account / ID | Not needed to start a swap | |
The default is Circle's USDC on Ethereum, contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. If your wallet does not list USDC automatically, you can add the token with that contract address. Any other Ethereum contract calling itself USDC is not the same token.
No, receiving ERC-20 USDC costs you nothing extra, because the payout fee is already deducted from your amount. Later, sending or trading that USDC will cost ETH for gas. If you would rather avoid Ethereum gas, pick a USDC network such as Solana or Base in the selector.
USDC is designed to hold a 1:1 peg with the US dollar, and Circle backs it with reserves of cash and short-term Treasuries. On the open market it can trade a fraction above or below that for short periods. The swap rate you get reflects market prices at the moment of exchange.
USDC is also listed on Solana as an SPL token, and on Base, Arbitrum One, Polygon, BNB Smart Chain and several other networks. Change the receive network in the coin selector, then enter an address for that chain. A Solana USDC payout needs a Solana address, not a 0x address.
The rate floats with the ADA market until your deposit confirms, and the estimate already subtracts the Ethereum network fee for the payout. If ADA moves during confirmation, the USDC amount moves with it. Gas prices on Ethereum can also change between the quote and the payout.
Each order gets its own one-time deposit address, and xswap.to never asks for your seed phrase or private keys. Your USDC goes straight to the address you enter. The parts you must check are the Ethereum address and the selected network, because a transfer cannot be reversed once it is on chain.
