Swap XMR 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 Monero 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 XMR to the one-time deposit address on the Monero network. Once the deposit confirms, the swap runs automatically and the USDC is sent to your wallet. The order page shows every stage.
Swapping Monero (XMR) 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 Monero deposit confirms on Monero. 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 XMR
≈
631.965419 USDC
At the latest hourly update, 1 XMR converts to about 631.965419 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 XMR is worth about $632.69 and 1 USDC about $1.00, so 1 XMR converts to roughly 631.965419 USDC. These figures move with the market, and the widget shows the live estimate before you confirm.
Pay in Monero (XMR) and receive USD Coin (USDC) as an ERC-20 token on Ethereum, sent to your own 0x wallet. No account is created at any point. The usual reason to swap XMR to USDC is to hold a dollar value for a while: Monero's price moves, and a stablecoin lets you park that value or pay someone in dollar terms without leaving crypto.
USDC is a stablecoin issued by Circle, backed by cash and short-term US government securities and built to stay at one US dollar. The default payout here is the ERC-20 contract on Ethereum. Monero is a native proof-of-work privacy coin on its own chain, so the trade is cross-chain. You need an Ethereum address starting with 0x, no memo, and later some ETH for gas whenever you move the USDC. Other USDC networks are in the selector.
The widget gives a floating-rate estimate in USDC, with the Ethereum gas cost of sending your payout already deducted. Ethereum fees vary with network demand, which is one reason the estimate changes between quotes. If the XMR price moves before your deposit confirms, the USDC figure can end slightly different. Because Ethereum adds a block every 12 seconds, the Monero side usually takes longer. The order page and its transaction ID show progress.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Monero (XMR) | USD Coin (USDC) |
| Network | Monero | Ethereum |
| Type | Native coin | ERC-20 token |
| Contract | - | 0xA0b869…06eB48 |
| Memo / tag | Not needed | Not needed |
| Route | Cross-chain: Monero to Ethereum | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.0130772 XMR | |
| Account / ID | Not needed to start a swap | |
The default is Ethereum, as the ERC-20 token at contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. You can switch to USDC on Solana, BNB Smart Chain, Polygon, Arbitrum One, Base, Avalanche C-Chain and several other networks in the selector. The address you enter must match the network you choose.
It is designed to hold a one-dollar peg, and Circle redeems USDC for US dollars for verified customers. The market price can wobble slightly around the peg, especially in stressed markets. Your payout is counted in USDC tokens, and the token count is what the estimate shows.
Not to receive it, since the Ethereum gas for the payout is deducted from your USDC amount. You will need ETH at the same address when you later send or swap that USDC, because every ERC-20 transfer pays gas in ETH.
Circle's USDC contract lets the issuer block specific addresses, and Circle has used this in response to legal requests. That differs sharply from Monero, which has no issuer at all. Keep it in mind if you plan to hold the stablecoin for a long time.
Your XMR deposit stays private on the Monero network. The USDC payout is a public Ethereum transaction, so the receiving address, amount and timing can be seen on any block explorer. Use an address you are comfortable having linked to that payment.
Open the order page and check its status. If it says finished, look up the payout transaction ID on an Ethereum block explorer and confirm your wallet is set to Ethereum, not another network. If the order is stuck, message @xswap_to on Telegram with the transaction ID.
