Swap pair

Swap Monero for USD Coin XMR → USDC

Exchange XMR for USDC at the best instant-exchange rate. No wallet extension, no account, USDC settles straight to the address you choose.

Route facts
Route
Instant-exchange network
You send
XMR on other
You receive
USDC on Stablecoin
Output settles
Follows the host chain (Ethereum ~12, Base ~a few, Polygon ~a few)
Platform fee
0.50% flat

About this pair

XMR to USDC is the standard step out of Monero into dollar-pegged value. U.CASH compares live offers across instant-exchange partners and shows the best USDC receive amount before you commit. Send XMR from any wallet, and the USD Coin arrives at an Ethereum address (0x…), with no account and no extension required.

Before you start

Nothing to configure beyond the essentials. A wallet that holds XMR, plus the destination address for the USDC output. What you approve on screen is everything that will happen: amounts, fees, and the network costs per leg, all shown before the first signature. No account, no deposit, and no custody anywhere in the path.

How the XMR to USDC swap works

Step 01

Enter your XMR amount

Open the pair with both sides preselected and type the amount of Monero you are converting. The quote for USDC updates with it, all-in, before anything is committed.

Step 02

Compare the live offers

The instant-exchange network returns competing offers for the pair and the best net USDC amount is shown. The number you approve is the number that executes; there is no spread behind it.

Step 03

Confirm once

Approve the quote and send your XMR to the displayed address. One confirmation on the way in is all the flow asks; nothing is custodial anywhere in the path.

Step 04

Receive USDC at your address

The USDC settles on-chain to the address you chose, under Follows the host chain (Ethereum ~12, Base ~a few, Polygon ~a few). From confirmation it is an ordinary balance: spend it, hold it, or route it on.

This pair crosses networks: the XMR leaves on other and the USDC arrives on Stablecoin. The instant-exchange network handles both legs as one quoted trade, so the crossing is priced into the offer you approve rather than added after the fact.

Fees and settlement

Two costs, both on the screen before you sign: the flat 0.50% platform fee on the swap, and the networks' own gas for the movement. What you approve is what executes. The USDC arrives at the address you picked, settles Follows the host chain (Ethereum ~12, Base ~a few, Polygon ~a few), and never touches a platform wallet at any point in the route.

Other pairs on this route

Same rails, different sides: every link opens with that pair preselected.

XMR to BTC ETH to USDC USDC to ETH SOL to USDC USDC to USDC NVDAx to USDC USDC to NVDAx BTC to XMR

XMR to USDC: FAQ

How does a XMR to USDC swap work?
Enter your XMR amount and your USDC address, then confirm. U.CASH finds the partner with the best live offer, gives you a XMR deposit address, and USDC is sent to your address once the deposit confirms.
Do I need a wallet extension to swap XMR for USDC?
No. The instant rail only needs the two addresses: a Monero address (4… or 8…) for the deposit and refunds, and an Ethereum address (0x…) to receive the USDC.
How long does a XMR to USDC exchange take?
Monero confirms in ~2 minute blocks, so the trade is usually waiting on the payout leg: most instant exchanges complete within ten to thirty minutes, tracked live on the status screen.
How long does a XMR to USDC swap take?
At the chains' pace. The exchange leg commits after the incoming transfer confirms and the USDC settles Follows the host chain (Ethereum ~12, Base ~a few, Polygon ~a few); the preview states the expectation with the quote, and the status you watch is the same one the settlement acts on.
Is the XMR to USDC swap non-custodial?
Yes, end to end. Keys stay in your wallet, the trade executes against the quoted route, and the output lands on-chain at your address with no custodian in between.

The assets behind the pair

Monero (XMR) on U.CASH USD Coin (USDC) on U.CASH Swap Monero Swap USD Coin