Exchange Monero (XMR) to USD Coin (USDC)

Exchange XMR to USDC

Convert Monero to USDC without an account. You set the amount, choose the network, give a USDC address, send your XMR, and the coins land in your wallet, usually within 5 to 30 minutes. USDC is a dollar token issued by Circle against reserves held in cash and short-dated US Treasuries, so this swap turns a volatile position into a dollar-denominated one without a bank or an exchange account in between. Swapuz reads the XMR to USDC rate from centralized and decentralized liquidity at the same time. Take the floating rate if you want the market price at the moment your deposit confirms, or lock a fixed rate and know the exact number of USDC in advance.

How to exchange XMR to USDC

The swap runs across three screens: Details, Processing and Finish.

1. Set up the swap. Put XMR in the "You send" field and USDC in "You get", type the amount, and decide on the rate. Floating is recalculated when your deposit confirms; fixed is locked right away with the padlock icon.

2. Pick the network and add your USDC address. USDC exists natively on Ethereum, Solana, Base, Arbitrum, Polygon and Avalanche, and each of those is a separate token with its own address format. Copy the address from the deposit screen of the wallet or exchange that will receive it and make sure the network there matches the one selected here. Sending to an address meant for another network is how funds get lost, and crypto transfers cannot be recalled.

3. Send your Monero. Swapuz shows a one-time XMR deposit address. Send the exact amount to it from your wallet, by QR code or through WalletConnect. The order then moves through Send Deposit, Confirming, Exchanging and Sending.

4. Get your USDC. On Solana and Base the payout confirms in seconds for a few cents; on Ethereum it depends on gas at that moment. There is no account and no platform balance involved: your coins pass through the swap and keep going.

Why swap XMR to USDC on Swapuz

• No registration and no KYC by default. The only thing you hand over is the address the USDC goes to.
• Swapuz is non-custodial, so there is no balance to freeze and nothing left on the platform once the swap is done. A dollar token in your own wallet is not the same thing as a balance sitting on someone else's exchange.
• Every order is fixed or floating by your choice, with no account tier deciding it for you.
• The network is yours to pick, so you can take Solana or Base for cents instead of paying Ethereum gas out of habit.
• Rates come from CEX and DEX liquidity at the same time, across 1,200+ coins. On this pair the routing does its work on the Monero side, where regulated exchanges keep delisting the coin, while USDC trades against nearly everything.
• A 0.8% service fee plus the network fee, both shown before you confirm, and an account takes 10% off the service fee.
• No upper limit on a swap, and support answers 24/7.

XMR to USDC exchange rate

The XMR to USDC rate on this page is live and shows the best route Swapuz can find at that moment. USDC is meant to sit at one dollar and Circle publishes monthly attestations of the reserves behind it, so almost all the movement you see on this pair comes from the Monero side. Reading the chart as a Monero price in dollars is closer to the truth than reading it as a currency pair.

That changes what fixed and floating mean here. Floating settles the USDC amount when your XMR confirms, so a move in Monero during those minutes lands on you. Fixed locks the dollar figure when you create the order, as long as the deposit arrives inside the window, which is the whole point if what you want is to stop being exposed to the Monero price at a particular number.

The table below converts common Monero amounts at the current rate.