USDC to XMR: Exchange USD Coin for Monero Without KYC

Exchange USDC to XMR: send USD Coin (USDC, an ERC-20 token on Ethereum) and receive Monero (XMR) in your own wallet, with no account and no KYC. Monero hides the sender, receiver and amount of every transfer, so the XMR you receive has no public link to your USDC history.

Updated 19 October 2026

  • 10–25 min
  • No account · No KYC
  • Paid to your wallet
  • Fees included in quote
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⚠️ Enter the exact wallet you are sending from. Your funds must be sent from this address.

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USD Coin Ethereum Chain Logo
USDC
USD Coin (USDC) on Ethereum
Price:
$0.9995
24h Change:
-0.02%
Market Cap:
$72.02B
Volume (24h):
$12.86B
Circulating Supply:
72.06B USDC
Monero Logo
XMR
Monero
Price:
$594.12
24h Change:
-5.09%
Market Cap:
$11.19B
Volume (24h):
$211.08M
Circulating Supply:
18.82M XMR

Data by CoinGecko

USDC to XMR Exchange Rate

1 USDC = 0.001682 XMR

The 1 USD Coin to Monero reference rate at market prices, before fees.

Live market rate

USDC to XMR swap at a glance

Send USDC from MetaMask, Rabby or a Ledger.

USD Coin (USDC)You send · ERC-20 token on Ethereum
Monero (XMR)You receive · Monero network

It is a cross-chain swap from Ethereum to Monero, with no bridge and no wrapped tokens.

Swap time
10–25 minuntil your XMR is sent
Network fee
Paid in ETHkeep a little ETH too
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pageUSDC on Etherscan
Your XMR address
Monero addressIt is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI.
Reference rate
1 USDC ≈ 0.001682 XMR1 XMR ≈ 594.4095 USDC · market prices, 22 Oct 2026
Minimum
About 31 USDC
  1. Send USDCAbout 2–5 minutes to confirm on Ethereum
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive XMRSent to your address; Monero confirms in about 20 minutes (10 confirmations)
Facts checked 22 Oct 2026Reverse: XMR to USDC

How much XMR do I get for USDC?

GhostSwap quotes at 22 Oct 2026, 22:54 UTC, after the service fee and the cost of sending the XMR to your wallet.

After all fees
100USDC
0.164788XMR
500USDC
0.828958XMR
2,500USDC
4.1497XMR

The rate floats with the market until your USDC deposit confirms.

USDC to XMR at the market rate, before fees

USDCXMR, market rate, before fees
31 USDC0.052153 XMR
50 USDC0.084117 XMR
100 USDC0.168234 XMR
250 USDC0.420585 XMR
500 USDC0.841171 XMR
1,000 USDC1.6823 XMR
5,000 USDC8.4117 XMR
10,000 USDC16.8234 XMR

Market prices of $0.999513 per USDC and $594.1200 per XMR on 22 Oct 2026. The box above shows the amount after all fees.

USDC to XMR price chart, market rate before fees

USDC/XMR

Loading chart...

How do I exchange USDC to XMR?

  1. Pick USDC and XMR

    Pick USDC in “You send” and XMR in “You get”, then enter the amount. The box shows how much XMR you get after all fees, and the minimum for this pair.

  2. Paste your Monero address

    Paste the Monero address that should receive the XMR: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets that work: Feather, Cake Wallet or Monero GUI. Then enter the Ethereum address you send USDC from; a refund, if ever needed, goes there.

  3. Send USDC on Ethereum

    Send exactly the amount shown from your own Ethereum wallet to the one-time deposit address, on the Ethereum network (as an). Keep a little ETH in that wallet for the network fee.

  4. Receive XMR

    Your XMR is usually paid out 10–25 minutes after you send your USDC, and Monero then confirms it in about 20 minutes (10 confirmations). Follow each step on the status page with your swap ID.

USDC to Monero: what to know before you swap

USDC to XMR swaps USD Coin on Ethereum into Monero. USDC balances are public and can be frozen by the issuer, while XMR is private by default. The swap needs no account; the XMR is paid to your own wallet.

The ERC20 deposit confirms within a minute or two; received XMR becomes spendable after 10 Monero confirmations, about 20 minutes.

Tips for this swap

  • Monero addresses are 95 characters long and start with 4 (standard) or 8 (subaddress). Paste the address; never type it by hand.
  • You need a little ETH in the sending wallet to pay gas.
  • Send USDC on Ethereum (ERC20). USDC on Solana is a separate coin in the exchange box.

Can I swap USDC to XMR without an account?

Yes. Choose USDC and XMR, paste your Monero address and send the USDC.

How long does USDC to XMR take?

Usually well under an hour. Received XMR becomes spendable after 10 Monero confirmations, about 20 minutes.

No-KYC Monero exchange

Common mistakes with USDC to XMR

  • Sending from an exchange account, so the sender address isn't yours and a refund can't reach you.
  • A Ethereum wallet with no ETH for the network fee.
  • Sending USDC on a different network than Ethereum.
  • A Monero address typed by hand (it is 95 characters): copy and paste it.

USDC to XMR: questions and answers

Can you swap USD Coin to Monero?
Yes. Pick USDC and XMR in the box above, paste your Monero address and send the USDC; the XMR goes straight to your wallet in about 10 to 25 minutes, with no account.
Where can I exchange USDC for XMR?
On a no-account swap service like GhostSwap, or on the few exchanges that still list Monero in your country. A swap needs no sign-up: you send USDC and receive XMR at the rate shown before you send.
Can I convert USD Coin to Monero anonymously?
GhostSwap asks for no account, email or ID. Your USDC deposit is still visible on the Ethereum blockchain; the XMR you receive is private by default, and no account ties the two together.
Is XMR illegal in the USA?
No. No US law bans owning or swapping Monero. Some exchanges have stopped listing it, which is a business choice, not a ban; you are responsible for the rules where you live.
Why is XMR being delisted?
Some exchanges drop privacy coins because their local rules make listing them hard; Binance delisted XMR in February 2024, for example. Our Monero delistings tracker lists each one with its date and source.
How much is 1 USDC in XMR?
1 USDC is worth about 0.001682 XMR at the market rate, before fees (market prices, 22 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XMR network fee. The minimum for this pair is about 31 USDC. The Ethereum network fee for sending the USDC is paid separately, in ETH. The rate floats with the market until your USDC deposit confirms.
Can I send USDC straight to my XMR address?
No. USDC moves on Ethereum and XMR on Monero, so USDC can only be sent to an Ethereum address. To swap, send the USDC to the one-time deposit address GhostSwap shows, and the XMR is paid to the Monero address you enter, with no bridge or wrapped token.
What wallet and address do I need to receive XMR?
Use a Monero address from a wallet you control, such as Feather, Cake Wallet or Monero GUI. MetaMask and other Ethereum wallets do not support Monero. The address is 95 characters and starts with 4 (standard) or 8 (subaddress). GhostSwap never holds your funds: the XMR is sent straight to the address you enter.
Which USDC network does this USDC to XMR swap use?
The USDC you send is an ERC-20 token on Ethereum, sent from an Ethereum wallet that also holds a little ETH for the network fee. The same swap on other networks: USDC BEP20 to XMR, USDC SOL to XMR, USDC Polygon to XMR, USDC Arbitrum to XMR.

What is USD Coin? USD Coin (USDC) on Ethereum is a regulated stablecoin pegged 1:1 to the US Dollar, issued by Circle.

What is Monero? Monero (XMR) is the leading privacy cryptocurrency and hides the sender, receiver and amount of every transaction by default. Monero price today

More USDC and XMR pages

Reverse: XMR to USDCMonero exchange: all XMR routesBTC to XMRXMR to BTCETH to XMRXMR to USDT TRC20USDT TRC20 to XMRSOL to XMRHow to buy MoneroMonero price today