XMR to USDC: Exchange Monero for USD Coin Without KYC
Exchange XMR to USDC: 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.
Updated 19 October 2026
- 20–60 min
- No account · No KYC
- Paid to your wallet
- Fees included in quote
By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.
Data by CoinGecko
XMR to USDC Exchange Rate
The 1 Monero to USD Coin reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.
XMR to USDC swap at a glance
Everything that is specific to swapping Monero to USD Coin on GhostSwap.
The USDC arrives as an ordinary transfer on Ethereum, while the XMR you send stays private on its own chain. It is a cross-chain swap from Monero to Ethereum, with no bridge and no wrapped tokens.
- Send XMRAbout 20 minutes (10 confirmations) to confirm on Monero
- GhostSwap swaps itAt the floating rate, fees already in the quote
- Receive USDCSent to your address; Ethereum confirms in about 2–5 minutes
How much USDC do I get for XMR?
GhostSwap quotes at 23 Oct 2026, 04:14 UTC. What lands in your wallet: service fee and USDC network fee already deducted.
0.2XMR1XMR2.5XMRThe rate floats with the market until your XMR deposit confirms. The minimum for this pair is about 0.05 XMR. Enter any amount in the exchange box above for a live quote; no account needed.
XMR to USDC at the market rate, before fees
| XMR | USDC, market rate, before fees |
|---|---|
| 0.05 XMR | 30.5057 USDC |
| 0.1 XMR | 61.0113 USDC |
| 0.2 XMR | 122.0226 USDC |
| 0.5 XMR | 305.0566 USDC |
| 1 XMR | 610.1132 USDC |
| 2.5 XMR | 1,525.28 USDC |
| 10 XMR | 6,101.13 USDC |
| 25 XMR | 15,252.83 USDC |
Market prices of $609.7300 per XMR and $0.999372 per USDC on 23 Oct 2026. The box above shows the amount after all fees.
XMR to USDC price chart, market rate before fees
XMR/USDC
How do I exchange XMR to USDC?
Pick XMR and USDC
Pick XMR in “You send” and USDC in “You get”, then enter the amount. The box shows how much USDC you get after all fees, and the minimum for this pair.
Paste your Ethereum address
Paste the Ethereum address that should receive the USDC: it starts with 0x followed by 40 hexadecimal characters. Wallets that work: MetaMask, Rabby or a Ledger. Then enter the Monero address you send XMR from; a refund, if ever needed, goes there.
Send XMR on Monero
Send exactly the amount shown from your own Monero wallet to the one-time deposit address, on the Monero network.
Receive USDC
Your USDC is usually paid out 20–60 minutes after you send your XMR, and Ethereum then confirms it in about 2–5 minutes. Follow each step on 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 for this swap
- 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.
Common mistakes with XMR to USDC
- Sending XMR from a wallet that is not fully synced.
- Leaving too little XMR in the wallet for the network fee.
- Pasting an address from another network: the USDC address starts with 0x followed by 40 hexadecimal characters.
XMR to USDC: questions and answers
Everything you need to know about exchanging XMR to USDC on GhostSwap.
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
What is USD Coin? USD Coin (USDC) on Ethereum is a regulated stablecoin pegged 1:1 to the US Dollar, issued by Circle.