Rate calculator Live Rate
USDC → XMR rates across 4 exchanges
How a USDC to XMR swap works
USD Coin (USDC) is a centralized, fully-reserved fiat stablecoin subject to blacklist freezes and custodial control. Swapping USDC directly to Monero (XMR) through a non-custodial exchange converts transparent, monitorable dollar tokens into private, fungible cryptocurrency without accounts or surveillance.
Enter your XMR address
Give the exchange the wallet address you want your Monero sent to. Double-check it — cryptocurrency transactions cannot be reversed.
Choose fixed or floating
Fixed rate locks in the exact amount you'll receive. Floating rate moves with the market and may yield slightly higher output depending on block timing.
Send USD Coin
Transfer USDC to the generated one-time deposit address. Ensure you send via the correct network (ERC-20 / Solana).
Monero arrives in your wallet
Once the exchange confirms your deposit (12–32 confirmations (~1–3 min)), it automatically dispatches XMR directly to your recipient address.
Moving from Centralized Stablecoins to Private Monero
USDC smart contracts contain freezing functions controlled by the issuing consortium. If you hold USDC on Ethereum, Solana, or Arbitrum and value financial privacy, swapping into native Monero severs on-chain links and places your balance behind Ring Confidential Transactions (RingCT) and stealth addresses.
- Zero accounts, sign-ups, or email required
- Direct wallet-to-wallet execution
- No custody risk; your private keys stay with you
Deposit & Confirmation Times
Deposits dispatched via Solana finalize in under 15 seconds (32 confirmations), while Ethereum mainnet requires 12 confirmations (~3 minutes). After receiving the USDC deposit, the exchange routes payout directly to your primary Monero address or subaddress.
