Swap USDC 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 USD Coin 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 USDC to the one-time deposit address on the BNB Smart Chain network. Once the deposit confirms, the swap runs automatically and the USDC is sent to your wallet. The order page shows every stage.
Swapping USD Coin (USDC) 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 USD Coin deposit confirms on BNB Smart Chain. 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 USDC
≈
0.745742 USDC
At the latest hourly update, 1 USDC converts to about 0.745742 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:
0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d
USDC token contract:
0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
Approximate exchange rates between these assets, refreshed hourly
As of Nov 10, 2026 18:39 UTC, 1 USDC is worth about $1.00 and 1 USDC about $1.00, so 1 USDC converts to roughly 0.745742 USDC. These figures move with the market, and the widget shows the live estimate before you confirm.
Moving USDC from BNB Smart Chain to Ethereum here needs one transfer from you: send BEP-20 USDC to a one-time deposit address and receive ERC-20 USDC at your own 0x address, with no account and no ID upload to start. People make this USDC BEP-20 to ERC-20 switch when an exchange account, payment service or DeFi app takes USDC only on Ethereum, or when they would rather hold the USDC that Circle issues itself than a pegged copy.
Binance, not Circle, issues the BEP-20 side of this swap: contract 0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d is Binance-Peg USD Coin, a pegged version of USDC on BNB Smart Chain. The ERC-20 token at 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 is Circle's own USDC, backed by cash and short-term US Treasury holdings. Both networks use 0x addresses and neither needs a memo, so a wallet will not flag a wrong network choice in this cross-chain swap. Gas for the BEP-20 deposit is paid in BNB.
Fees explain most of the gap between USDC sent and received, since both tokens hold a dollar peg. The floating-rate estimate already deducts the exchange margin and the Ethereum network fee for your ERC-20 payout. That fee usually runs higher than a BNB Smart Chain transfer, so small amounts give up a larger share. The result can shift slightly before your deposit confirms. Timing depends on BNB Smart Chain confirming that deposit and on Ethereum, which adds a block every 12 seconds. The order page tracks each stage.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | USD Coin (USDC) | USD Coin (USDC) |
| Network | BNB Smart Chain | Ethereum |
| Type | BEP-20 token | ERC-20 token |
| Contract | 0x8ac76a…cd580d |
0xA0b869…06eB48 |
| Memo / tag | Not needed | Not needed |
| Network fee (checked Nov 7, 2026) | ≈ 0.0611 USDC | ≈ 0.3837 USDC |
| Route | Cross-chain: BNB Smart Chain to Ethereum | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.51206 USDC | |
| Account / ID | Not needed to start a swap | |
No, they are two separate tokens that both track the US dollar. The BEP-20 version listed here is Binance-Peg USD Coin, issued by Binance, while ERC-20 USDC on Ethereum is issued by Circle. This swap exchanges one for the other at a floating rate, so afterwards you hold Circle's token on Ethereum.
You can, but the tokens stay on BNB Smart Chain, because a transfer never changes networks by itself. Both chains use 0x addresses, so a self-custody wallet shows them once you switch it to BNB Smart Chain, while an exchange that lists only ERC-20 USDC may not credit them. A cross-chain swap like this one is one way to get USDC onto Ethereum.
You need BNB, because the deposit is a BEP-20 transfer on BNB Smart Chain and its gas is paid in BNB. You do not need ETH to receive the payout, since the Ethereum network fee for sending it is taken from the USDC estimate. ETH only becomes necessary later, when you move that USDC on Ethereum.
The estimate subtracts the exchange margin and the Ethereum network fee for your ERC-20 payout. Since both tokens normally trade close to one to one, those costs make up most of the difference. A market move before your deposit confirms can shift the result slightly, and the at-a-glance table on this page lists the network fees from the latest weekly check.
Neither is required to start: the form asks for the amount and your Ethereum address, with no account and no ID upload. In rare cases the exchange partner's compliance check can pause a swap and ask for verification. If that happens to your order, support on Telegram at @xswap_to can tell you what is needed.
Your order page shows it, and the Track Order page lists recent orders saved in your browser if you closed the tab. Copy the payout transaction ID into Etherscan to see the USDC transfer to your address, and look up the deposit on a BNB Smart Chain block explorer. If a stage stops moving, contact support on Telegram at @xswap_to with that ID.
