# USDC Polygon to XMR: USD Coin (Polygon) to Monero: no-KYC swap on GhostSwap > Exchange USDC Polygon to XMR: send USD Coin (USDC Polygon, a token on Polygon PoS) 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 Polygon history. Swap page: https://ghostswap.io/exchange/usdcmatic-xmr/ Updated: 2026-10-21 ## At a glance | | | |---|---| | You send | USD Coin (USDC Polygon), token on Polygon PoS | | You receive | Monero (XMR) | | Your XMR address | Monero address that is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI | | Deposit network fee | Paid in POL, so keep a little POL next to your USDC Polygon | | Deposit confirmation | About a minute on Polygon PoS | | XMR payout | Sent to your address as soon as the swap completes; Monero confirms it in about 20 minutes (10 confirmations) | | Typical swap time | 5–15 minutes until your XMR is sent | | Reference rate | 1 USDC Polygon ≈ 0.001596 XMR · 1 XMR ≈ 626.6548 USDC Polygon (market prices, 21 Oct 2026) | | Limits | Minimum about 31 USDC Polygon. The exact minimum and maximum USDC Polygon 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 Polygon on PolygonScan | | Reverse swap | [XMR to USDC Polygon](https://ghostswap.io/exchange/xmr-usdcmatic/) | ## How much XMR you get (quoted 21 Oct 2026, 22:05 UTC, after all fees) | You send | You receive | |---|---| | 100 USDC Polygon | 0.157693 XMR | | 500 USDC Polygon | 0.791139 XMR | | 2500 USDC Polygon | 3.9571 XMR | ## How do I exchange USDC Polygon to XMR? 1. **Pick USDC Polygon and XMR.** Pick USDC Polygon 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 Polygon PoS address you send USDC Polygon from; a refund, if ever needed, goes there. 3. **Send USDC Polygon on Polygon PoS.** Send exactly the amount shown from your own Polygon PoS wallet to the one-time deposit address, on the Polygon PoS network (as a). Keep a little POL in that wallet for the network fee. 4. **Receive XMR.** Your XMR is usually paid out 5–15 minutes after you send your USDC Polygon, and Monero then confirms it in about 20 minutes (10 confirmations). Follow each step on the status page with your swap ID. ## Common mistakes with USDC Polygon to XMR - Using the wrong network: USDC Polygon is on Polygon. Base, Arbitrum, Polygon and Ethereum share the same 0x address format, so check the network in your wallet before you send or paste an address. - Sending from an exchange account, so the sender address isn't yours and a refund can't reach you. - A Polygon PoS wallet with no POL for the network fee. - Sending USDC Polygon on a different network than Polygon PoS. - A Monero address typed by hand (it is 95 characters): copy and paste it. ## FAQ ### Can you swap USD Coin to Monero? Yes. Pick USDC Polygon and XMR in the box above, paste your Monero address and send the USDC Polygon; the XMR goes straight to your wallet in about 5 to 15 minutes, with no account. ### Where can I exchange USDC Polygon 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 Polygon 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 Polygon deposit is still visible on the Polygon PoS 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](/monero-delistings/) lists each one with its date and source. ### How long does it take to swap USDC Polygon to XMR on GhostSwap? Most USDC Polygon to XMR swaps are paid out within 5–15 minutes: the USDC Polygon deposit needs about a minute to confirm on Polygon PoS, then the XMR is sent to your wallet, and Monero confirms the payout in about 20 minutes (10 confirmations). Busy networks can add a few minutes. ### How much is 1 USDC Polygon in XMR? 1 USDC Polygon is worth about 0.001596 XMR at the market rate, before fees (market prices, 21 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 Polygon. The rate floats with the market until your USDC Polygon deposit confirms, so the exchange box shows the exact amount before you send. ### What are the fees for converting USD Coin (Polygon) to Monero? The GhostSwap fee is already included in the rate in the exchange box, so the XMR amount you see is what you receive. On top of that, your wallet needs a little POL to pay the Polygon PoS network fee for sending USDC Polygon. ### What wallet should I use to receive XMR? To receive Monero from your swap, we recommend using Feather, Cake Wallet or Monero GUI. MetaMask and other Ethereum wallets do not support Monero. Make sure your wallet supports the Monero network before starting the exchange. Double-check your XMR address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the XMR address? Use a Monero address: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Copy it from your wallet and paste it; never type it by hand. ## Related - [Reverse: XMR to USDC Polygon](https://ghostswap.io/exchange/xmr-usdcmatic/) ([Markdown](https://ghostswap.io/exchange/xmr-usdcmatic.md)) - [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md)) - [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/) - [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)