# USDT to USDC: Tether (ERC20) to USD Coin — no-KYC swap on GhostSwap > Send Tether (USDT, an ERC-20 token on Ethereum) and receive USD Coin (USDC, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Both are dollar stablecoins, so this swap mainly moves your dollars from Ethereum to Ethereum. Most USDT to USDC swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdt20-usdc/ Updated: 2026-10-03 ## At a glance | | | |---|---| | You send | Tether (USDT), ERC-20 token on Ethereum | | You receive | USD Coin (USDC), ERC-20 token on Ethereum | | Your USDC address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | Deposit network fee | Paid in ETH, so keep a little ETH next to your USDT | | Deposit confirmation | About 2–5 minutes on Ethereum | | USDC payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes | | Typical swap time | 10–25 minutes until your USDC is sent | | Reference rate | 1 USDT ≈ 0.999928 USDC · 1 USDC ≈ 1.0001 USDT (market prices, 3 Oct 2026) | | Limits | Minimum about 31 USDT. The exact minimum and maximum USDT 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; USDT on Etherscan | | Reverse swap | [USDC to USDT](https://ghostswap.io/exchange/usdc-usdt20/) | ## How much USDC you get (quoted 3 Oct 2026, 11:06 UTC, after all fees) | You send | You receive | |---|---| | 100 USDT | 98.1529 USDC | | 500 USDT | 493.7174 USDC | | 2500 USDT | 2,471.54 USDC | ## How to swap USDT to USDC 1. Open https://ghostswap.io/exchange/usdt20-usdc/ and enter the amount of USDT to send. 2. Paste the USDC address that should receive the coins. 3. Enter the USDT address you are sending from, then confirm. 4. Send the USDT to the one-time deposit address shown. 5. Receive USDC in your wallet and follow the status page with your swap ID. ## Tether to USD Coin on Ethereum: switching stablecoin issuers on one chain Both tokens are dollar stablecoins on Ethereum, so this pair changes the issuer, not the network: Tether issues USDT and Circle issues USDC. People switch when a DeFi pool, a payroll service or an exchange deposit takes only USDC, or to split savings between two issuers. Because both are ERC-20 tokens, one 0x address can hold them, and GhostSwap pays the USDC to it without an account. The USDT deposit confirms in about 2–5 minutes and the USDC payout is another Ethereum transfer, so most swaps finish in 10 to 25 minutes. The floating rate stays close to one to one but is not exactly 1:1, because market prices and network costs move it, so check the amount shown before you send. Unlike a decentralized exchange, this does not ask you to connect your wallet or approve a token allowance: the deposit is a plain USDT transfer that you sign in your wallet. ### Tips - Check that the token you receive is Circle's USDC, contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. Look-alike tokens named USDC exist on Ethereum. - Keep ETH in the wallet: you pay gas in ETH to send the USDT now, and again whenever you move the USDC later. - Want USDC on Base, Arbitrum or Solana instead? Each is a separate receive coin in the exchange box; this pair pays on Ethereum mainnet. ### Can I swap USDT for USDC without an account or KYC? Yes. A standard USDT to USDC swap needs no sign-up, email or ID. Enter the Ethereum address for the USDC and your 0x refund address, check the floating rate and send the USDT. ### Can I use the same wallet address for both sides? Yes. USDT and USDC are both ERC-20 tokens, so one Ethereum address can send the USDT and receive the USDC. MetaMask and Rabby show both balances once the token is listed in the wallet. ## FAQ ### How long does it take to swap USDT to USDC on GhostSwap? Most USDT to USDC swaps are paid out within 10–25 minutes: the USDT deposit needs about 2–5 minutes to confirm on Ethereum, then the USDC is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes. ### How much is 1 USDT in USDC? 1 USDT is worth about 0.999928 USDC at the market rate, before fees (market prices, 3 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDC network fee. The minimum for this pair is about 31 USDT. The rate floats with the market until your USDT deposit confirms, so the exchange box shows the exact amount before you send. ### What are the fees for converting Tether (ERC20) to USD Coin? The GhostSwap fee is already included in the rate in the exchange box, so the USDC amount you see is what you receive. On top of that, your wallet needs a little ETH to pay the Ethereum network fee for sending USDT. ### What wallet should I use to receive USDC? To receive USD Coin from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your USDC address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the USDC address? Use an Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending USDC to an address on another network can lose the coins. ### Can I track my USDT to USDC swap? Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your USDT payment on Etherscan (https://etherscan.io). ### Is it safe to exchange USDT for USDC on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your USDT deposit is converted and the USDC is sent straight to the Ethereum address you enter, so check that address twice — Ethereum transfers cannot be reversed. ### What happens if my USDT to USDC exchange fails? If a swap cannot be completed, the USDT is refunded to the Ethereum address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network. ## Related - [Reverse: USDC to USDT](https://ghostswap.io/exchange/usdc-usdt20/) ([Markdown](https://ghostswap.io/exchange/usdc-usdt20.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)