Swap USDC to XMR 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 XMR 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 Monero you will receive on the Monero network at the current floating rate, with the payout network fee already taken into account.
Paste your XMR 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 XMR is sent to your wallet. The order page shows every stage.
Swapping USD Coin (USDC) for Monero (XMR) 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 XMR 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 Monero, so check that your Monero address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
17 USDC
≈
0.0152348 XMR
At the latest hourly update, 17 USDC converts to about 0.0152348 XMR. 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 USDC is worth about $1.00 and 1 XMR about $632.69, so 1 USDC converts to roughly 0.000896 XMR. These figures move with the market, and the widget shows the live estimate before you confirm.
With this pair you pay in USD Coin (USDC), sent as an ERC-20 token on Ethereum, and receive Monero (XMR) on the Monero blockchain at a wallet you control. No account is needed. People convert USDC to XMR when they want to move dollar holdings into a coin whose transfers do not publicly show amounts or addresses, for example to pay someone without exposing their whole wallet history.
On Ethereum, USDC is fully transparent: Circle issues it, and anyone can see your deposit and its amount on a block explorer. Monero is a proof-of-work cryptocurrency that hides senders, receivers and amounts by default using ring signatures, stealth addresses and confidential transactions. Since the assets sit on different chains, the payout needs a Monero address, which starts with 4, or with 8 for a subaddress. No payment ID is required.
Fees and rate come together in one floating-rate estimate: the widget subtracts the exchange margin and the Monero network fee before showing the XMR you should get. A market move before your Ethereum deposit confirms can change the final figure slightly. Monero targets a block about every two minutes, and newly received XMR stays locked in your wallet for a short period before you can spend it. You can follow each step on the order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | USD Coin (USDC) | Monero (XMR) |
| Network | Ethereum | Monero |
| Type | ERC-20 token | Native coin |
| Contract | 0xA0b869…06eB48 |
- |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Ethereum to Monero | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 15.53171 USDC | |
| Account / ID | Not needed to start a swap | |
Only partly. The USDC you send is an ordinary ERC-20 transfer, so its amount and your Ethereum address stay public on the blockchain. Once the XMR lands in your Monero wallet, later Monero transfers hide sender, receiver and amount by default. xswap.to does not promise anonymity, and a partner's anti-money-laundering check can still pause a flagged order.
Use a standard Monero address starting with 4 or a subaddress starting with 8, copied from your own wallet. Monero addresses are much longer than Ethereum addresses, so compare the start and end carefully. A personal wallet address is the safest choice because it needs no extra payment ID.
Monero wallets have to scan the blockchain to find incoming payments, so an out-of-date wallet will not show new funds until it syncs. Check the order page for the payout transaction ID first. If the order says finished, let your wallet catch up before contacting support.
A small amount of ETH has to sit in the same wallet as your USDC. ERC-20 tokens cannot pay their own gas, so the transfer will not go through without it. Alternatively, choose a USDC version on another network in the selector and pay that network's fee.
The XMR amount follows a floating rate, measured when your deposit confirms rather than when you open the order. The widget estimate already has the margin and the Monero payout fee taken off. A price move during the Ethereum confirmation can make the result a little higher or lower.
xswap.to does not ask for ID, email or an account to swap USDC to XMR. A partner's automated anti-money-laundering screening can, rarely, flag a transaction and ask for verification before it continues. Your keys and seed phrase are never requested.
