# USD Coin to Zcash (USDC to ZEC): no-KYC swap on GhostSwap > Send USD Coin (USDC, an ERC-20 token on Ethereum) and receive Zcash (ZEC) in your own wallet, with no account and no KYC. Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address. Most USDC to ZEC swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdc-zec/ Updated: 2026-10-07 ## At a glance | | | |---|---| | You send | USD Coin (USDC), ERC-20 token on Ethereum | | You receive | Zcash (ZEC) | | Your ZEC address | Zcash address that starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo | | Deposit network fee | Paid in ETH, so keep a little ETH next to your USDC | | Deposit confirmation | About 2–5 minutes on Ethereum | | ZEC payout | Sent to your address as soon as the swap completes; Zcash confirms it in about 10–20 minutes | | Typical swap time | 10–25 minutes until your ZEC is sent | | Reference rate | 1 USDC ≈ 0.000808 ZEC · 1 ZEC ≈ 1,237.76 USDC (market prices, 8 Oct 2026) | | Limits | Minimum about 31 USDC. The exact minimum and maximum USDC amounts are shown live in the exchange box | | Account / KYC | None for standard swaps: no sign-up, no email, no ID | | Tracking | Status page with your swap ID; USDC on Etherscan; ZEC on Blockchair | | Reverse swap | [ZEC to USDC](https://ghostswap.io/exchange/zec-usdc/) | ## How much ZEC you get (quoted 7 Oct 2026, 19:06 UTC, after all fees) | You send | You receive | |---|---| | 100 USDC | 0.073895 ZEC | | 500 USDC | 0.371144 ZEC | | 2500 USDC | 1.8574 ZEC | ## How to swap USDC to ZEC 1. Open https://ghostswap.io/exchange/usdc-zec/ and enter the amount of USDC to send. 2. Paste the ZEC address that should receive the coins. 3. Enter the USDC address you are sending from, then confirm. 4. Send the USDC to the one-time deposit address shown. 5. Receive ZEC in your wallet and follow the status page with your swap ID. ## Trading a dollar peg for a shielded pool: USDC to Zcash This pair takes USD Coin on Ethereum (ERC-20) and pays out Zcash. USDC is built to track the US dollar, every balance is visible on Etherscan, and Circle, its issuer, can freeze tokens at an address. ZEC has no peg, so its dollar value moves after the swap. In return it can sit in a shielded pool, where zero-knowledge proofs hide the parties and the amount. The USDC deposit is credited after Ethereum confirmations, usually about 2 to 5 minutes, and most swaps send the ZEC within 10 to 25 minutes. Zcash then adds a block about every 75 seconds. Shielding hides what you do next, but the payout to your t-address stays in the public record. No account or ID is needed at any step. ### Tips - Choose USDC (Ethereum) as the coin you send. USDC on Solana, Base, Arbitrum, Polygon and BNB Smart Chain are separate entries with their own deposit addresses. - Send the USDC from a wallet you control that also holds some ETH for gas, and give that same 0x address for refunds. - Give a t1 or t3 Zcash address for the payout. When the ZEC arrives, use your wallet's Shield option before you spend it. ### Is there KYC on USDC to ZEC swaps? No. Swapping USDC for ZEC asks for no account, email or identity document. Type in a t1 or t3 Zcash address, use your own 0x address for refunds, confirm the floating rate and send the USDC. ### I hold USDC on Solana. Can I still get ZEC? Yes. Choose USDC (Solana) as the coin you send; it is its own pair with a Solana deposit address. Do not send Solana USDC to the Ethereum deposit address of this pair. ## FAQ ### How long does it take to swap USDC to ZEC on GhostSwap? Most USDC to ZEC swaps are paid out within 10–25 minutes: the USDC deposit needs about 2–5 minutes to confirm on Ethereum, then the ZEC is sent to your wallet, and Zcash confirms the payout in about 10–20 minutes. ### How much is 1 USDC in ZEC? 1 USDC is worth about 0.000808 ZEC at the market rate, before fees (market prices, 8 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the ZEC 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 ZEC address? No. USDC moves on Ethereum and ZEC on Zcash, 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 ZEC is paid to the Zcash address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive ZEC? Use a Zcash address from a wallet you control, such as Zodl (formerly Zashi), Zkool or Zingo. All three can move ZEC into the shielded pool. The address starts with t1 or t3 for a transparent address. GhostSwap never holds your funds: the ZEC is sent straight to the address you enter. ### Can my USDC to ZEC swap be traced? Your USDC transaction to GhostSwap is visible on the Ethereum (ERC-20) blockchain since USD Coin is transparent: visible on Etherscan. However, once your ZEC arrives in your wallet, Zcash privacy is optional: it supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. By swapping USDC to ZEC on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together. ### Is it legal to own and swap Zcash? In most countries, yes: owning and swapping Zcash is not banned, although some centralized exchanges have stopped listing privacy coins in certain regions. Privacy is a legitimate need, and using privacy-enhancing tools is not illegal in itself. You are responsible for following the cryptocurrency rules where you live. ### What happens if my USDC to ZEC exchange fails? If a swap cannot be completed, the USDC is refunded to the Ethereum address you entered as the sender address. ## Related - [Reverse: ZEC to USDC](https://ghostswap.io/exchange/zec-usdc/) ([Markdown](https://ghostswap.io/exchange/zec-usdc.md)) - [No-KYC Zcash exchange: all routes, minimums and times](https://ghostswap.io/zcash-exchange/) ([Markdown](https://ghostswap.io/zcash-exchange.md)) - [All GhostSwap pairs](https://ghostswap.io/exchange/) - [How to exchange](https://ghostswap.io/how-to-exchange/) - [Site guide for AI assistants](https://ghostswap.io/llms.txt)