Swap USDC to ADA 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 ADA goes straight to the wallet address you enter.
Enter the amount of USD Coin you want to swap in the widget above. It shows an estimate of the Cardano you will receive on the Cardano network at the current floating rate, with the payout network fee already taken into account.
Paste your ADA 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 USDC to the one-time deposit address on the Ethereum network. Once the deposit confirms, the swap runs automatically and the ADA is sent to your wallet. The order page shows every stage.
Swapping USD Coin (USDC) for Cardano (ADA) 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 ADA goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your USD Coin deposit confirms on Ethereum. The payout is sent on Cardano, so check that your Cardano address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
4 USDC
≈
14.664818 ADA
At the latest hourly update, 4 USDC converts to about 14.664818 ADA. 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
By default this pair takes USD Coin (USDC) on Ethereum, where it is an ERC-20 token, and pays out Cardano (ADA) to a Cardano wallet address you supply. You do not create an account or share an email. A frequent reason to convert USDC to ADA is staking from your own wallet: you can delegate ADA to a stake pool in Yoroi or Eternl, and the coins stay liquid and spendable while delegated.
USDC is a dollar stablecoin issued by Circle and redeemable one to one for US dollars, and the Ethereum version uses contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. ADA is the native coin of Cardano, a proof-of-stake chain secured by the Ouroboros protocol. Because Ethereum and Cardano are separate networks, this is a cross-chain swap. Your payout address should be a Shelley-era address starting with addr1, and no memo is needed for ADA.
Cardano's payout fee is already deducted from the floating-rate estimate the widget shows for this USDC to ADA exchange. Market movement before your USDC deposit confirms can nudge the final ADA amount up or down a little. Timing depends on Ethereum confirmations for the deposit, where blocks arrive about every 12 seconds, and on Cardano including the payout, which averages a block about every 20 seconds. Each order gets a status page and a transaction ID you can check later.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | USD Coin (USDC) | Cardano (ADA) |
| Network | Ethereum | Cardano |
| Type | ERC-20 token | Native coin |
| Contract | 0xA0b869…06eB48 |
- |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Ethereum to Cardano | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 2.901803 USDC | |
| Account / ID | Not needed to start a swap | |
You do if you deposit the default ERC-20 USDC, because the Ethereum network charges gas for token transfers and takes it in ETH. Without a little ETH in the same wallet, the transfer will not go through. If your USDC is on another chain, select that network instead and pay that chain's fee coin.
Use a current Cardano address starting with addr1, which wallets like Yoroi, Eternl and Lace show on their receive screen. Skip any stake address starting with stake1, which holds staking rewards and cannot receive a normal payment. Do not paste an Ethereum address here, because the ADA payout goes out on the Cardano network.
You can delegate it yourself from a Cardano wallet after it arrives, since delegation is a wallet feature and the ADA stays in your address. xswap.to does not offer staking or hold balances for you. Pick a stake pool inside your own wallet once the payout shows as confirmed.
The coin selector lists USDC on several networks, including Arbitrum One, Base, Polygon, Solana and BNB Smart Chain. Choose the version that matches where your tokens sit before you create the order. Send on exactly the network the order page names, because a mismatched deposit can lose funds.
It depends on how quickly your Ethereum deposit gathers block confirmations and how fast Cardano includes the payout. Ethereum produces a block roughly every 12 seconds, and congestion can slow a low-gas transaction. The order page shows when your deposit moves from confirming to exchanging and then sending.
No ID, account or email is requested by xswap.to. The exception is rare: a processing partner's automated anti-money-laundering review may stop a flagged transaction until verification is provided. If that happens to your order, contact support on Telegram at @xswap_to with the transaction ID.
