Swap BTC 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 Bitcoin 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 BTC to the one-time deposit address on the Bitcoin network. Once the deposit confirms, the swap runs automatically and the USDC is sent to your wallet. The order page shows every stage.
Swapping Bitcoin (BTC) 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 Bitcoin deposit confirms on Bitcoin. 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.
1 BTC
≈
78566.792691 USDC
At the latest hourly update, 1 BTC converts to about 78566.792691 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
As of Nov 4, 2026 14:52 UTC, 1 BTC is worth about $77,978.07 and 1 USDC about $1.00, so 1 BTC converts to roughly 78566.792691 USDC. These figures move with the market, and the widget shows the live estimate before you confirm.
You send native bitcoin from any Bitcoin wallet and receive USD Coin (USDC) as an ERC-20 token on Ethereum, paid to a 0x address you control. There is no account to open and no email to hand over. A common reason to swap BTC to USDC is stepping out of bitcoin's price swings into a dollar stablecoin while staying on-chain, for example before paying an invoice in USDC or funding an Ethereum app from your own wallet.
Bitcoin (BTC) is a proof-of-work network with its own address formats. USDC is issued by Circle, redeemable one to one for US dollars, and backed by reserves in cash and short-dated US government securities. Because the two assets live on different chains, this is a cross-chain swap: the payout needs an Ethereum address starting with 0x, and no memo is involved. Your USDC arrives from the token contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48, and moving it later costs gas in ETH.
The widget quotes a floating-rate estimate before you send anything. That figure already has the exchange margin and the Ethereum payout fee taken out. If the BTC price moves before your deposit confirms, the final amount can shift slightly. Timing depends mostly on Bitcoin, whose blocks average about 10 minutes apart, and then on Ethereum, which produces a block every 12 seconds. Each stage of the BTC to USDC exchange appears on your order page, along with a transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Bitcoin (BTC) | USD Coin (USDC) |
| Network | Bitcoin | Ethereum |
| Type | Native coin | ERC-20 token |
| Contract | - | 0xA0b869…06eB48 |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Bitcoin to Ethereum | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.0000267 BTC | |
| Account / ID | Not needed to start a swap | |
By default this page pays out USDC as an ERC-20 token on Ethereum. The coin selector also lists USDC on Solana, BNB Smart Chain, Base, Arbitrum One, Polygon and several other networks. Choose the version your wallet or exchange account expects before you create the order, because each one needs a matching address.
It is not, since the Ethereum fee for delivering the tokens comes out of the swap amount. You will need ETH later to send or spend that USDC from your Ethereum wallet, because ERC-20 transfers pay their gas in ETH.
Circle issues USDC and redeems it one to one for US dollars for its verified customers. The stablecoin peg rests on reserves of cash and short-dated government securities, with regular attestation reports. It is still a centrally issued token, so the issuer can freeze specific addresses.
Either can happen, because the quote tracks the BTC market until your deposit confirms on the Bitcoin network. If bitcoin dipped in that window, the payout drops a little, and if it rose you get a bit more. The Ethereum fee for sending the payout was already deducted in the quote.
Most of the wait is Bitcoin confirming your deposit, with a new Bitcoin block roughly every 10 minutes on average. After that the exchange runs and the USDC goes out on Ethereum, where blocks are quick. Congestion or a low miner fee on your deposit can stretch the process.
No account, email or signup is needed, and the site itself never requests ID. Very occasionally, an anti-money-laundering system run by one of the exchange partners flags a transaction, pauses it and asks for verification. If that happens, the Telegram support account @xswap_to can help once you share your transaction ID.
