# Monero to USD Coin (XMR to USDC): no-KYC swap on GhostSwap

> Send Monero (XMR) and receive USD Coin (USDC, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. The USDC arrives as an ordinary transfer on Ethereum, while the XMR you send stays private on its own chain. Most XMR to USDC swaps are paid out within 20–60 minutes.

Swap page: https://ghostswap.io/exchange/xmr-usdc/
Updated: 2026-10-08

## At a glance

| | |
|---|---|
| You send | Monero (XMR) |
| 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 XMR by your wallet |
| Deposit confirmation | About 20 minutes (10 confirmations) on Monero |
| USDC payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes |
| Typical swap time | 20–60 minutes until your USDC is sent |
| Reference rate | 1 XMR ≈ 558.8650 USDC · 1 USDC ≈ 0.001789 XMR (market prices, 8 Oct 2026) |
| Limits | Minimum about 0.054 XMR. The exact minimum and maximum XMR 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 |
| Reverse swap | [USDC to XMR](https://ghostswap.io/exchange/usdc-xmr/) |

## How much USDC you get (quoted 8 Oct 2026, 06:45 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.2 XMR | 109.4966 USDC |
| 1 XMR | 549.9849 USDC |
| 5 XMR | 2,751.80 USDC |

## How to swap XMR to USDC

1. Open https://ghostswap.io/exchange/xmr-usdc/ and enter the amount of XMR to send.
2. Paste the USDC address that should receive the coins.
3. Enter the XMR address you are sending from, then confirm.
4. Send the XMR to the one-time deposit address shown.
5. Receive USDC in your wallet and follow the status page with your swap ID.

## Monero to USDC on Ethereum: a dollar balance for Ethereum apps

XMR to USDC converts Monero into USD Coin on Ethereum (ERC-20), a dollar stablecoin widely used in Ethereum apps, including lending protocols. The trade-off is visibility: the USDC payout and every later move sit on Etherscan, tied to the address you give. Receiving it at a fresh address keeps it apart from your other Ethereum activity, and the swap needs no account.

After you send the XMR, the deposit is normally credited within about 20 minutes and the USDC follows, in most swaps within 20 to 60 minutes. Ethereum adds a block every 12 seconds, and wallets usually show the USDC as settled after a few of them. Moving or using the USDC later costs gas in ETH, which this swap does not provide.

### Tips

- The USDC goes to an Ethereum address: 0x plus 40 hex characters, as shown by MetaMask, Rabby or a Ledger.
- If the USDC does not show, add the token by hand with contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48, the official USDC on Ethereum.
- Want USDC on another chain? USDC on Solana (paid to a Solana address) and USDC on BNB Smart Chain (paid to a 0x address on that chain) are separate coins in the list.

### Do I need KYC to turn Monero into USDC?

No. The XMR to USDC swap needs no account, email or ID. Paste the 0x address that should receive the USDC, enter a Monero refund address and send the XMR at the floating rate shown.

### Do I need ETH to receive the USDC?

No. The payout arrives even in an empty wallet, because the sender pays the gas for the transfer. You need a little ETH later to send, swap or approve the USDC.

## FAQ

### How long does it take to swap XMR to USDC on GhostSwap?

Most XMR to USDC swaps are paid out within 20–60 minutes: the XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero, 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 USDC do I get for 5 XMR?

At 8 Oct 2026, 06:45 UTC, 5 XMR swapped to about 2,751.80 USDC on GhostSwap, after the service fee and the USDC network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### What are the fees for converting Monero 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, the Monero network fee for your deposit is paid in XMR by your wallet.

### 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 XMR 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 incoming USDC on Etherscan (https://etherscan.io).

### Is it safe to exchange XMR for USDC on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your XMR 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.

### Will my USDC be linked to my XMR?

Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction. The source of your funds is already protected. The USDC you receive will appear as a fresh transaction on the Ethereum (ERC-20) blockchain with no visible connection to your XMR holdings. GhostSwap requires no KYC, so there's no account linking the two.

### Why swap XMR to USDC?

Converting Monero to USD Coin moves the value into a dollar-pegged stablecoin in your own wallet, without using a centralized exchange or going through KYC.

### What happens if my XMR to USDC exchange fails?

If a swap cannot be completed, the XMR is refunded to the Monero 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 XMR](https://ghostswap.io/exchange/usdc-xmr/) ([Markdown](https://ghostswap.io/exchange/usdc-xmr.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)