Cross-chain USDC and USDT swaps
USDC Base to SOL, USDT TRC-20 to BTC, USDT to USDC — one quote, no account. The network in the widget is the one you must send on.
No KYC · 0.5% Standard · 1% Private · 1% THORChain, no AML
Last reviewed:
Move USDC and USDT across Base, Ethereum, Solana and Tron — or out to BTC and SOL — without opening an exchange account. The widget names the exact send and receive networks; that is the quote you send against.
USDC on Base or Solana to native SOL often finishes in under 5 minutes. Ethereum USDC is typically 5–15 minutes. USDT on Tron to BTC usually waits on Bitcoin after the Tron credit (about 15–40 minutes). Congestion can add time.
You send to a one-time address and receive in the wallet you pasted. Service fee is 0.5% Standard, 1% Private or 1% THORChain (USDT/USDC on Ethereum via the decentralised route), plus each chain’s network fee. Match the ticker and the network: USDT is not USDC, and Base is not Ethereum.
Service fee
0.5% Standard · 1% Private Swap
USDC Base → SOL
Often under 5 minutes
USDT TRC-20 → BTC
Usually 15–40 minutes
Main risk
Wrong network on deposit
Pairs on this route
Same dollar, different chain
USDT and USDC exist on a dozen networks each, and every network is a separate token. USDT on Tron cannot be sent to an Ethereum address; USDC on Solana is not USDC on Base. A cross-chain stablecoin swap moves your dollars from one network to another in a single step: you deposit on the chain you have, and receive the same stablecoin (or a different one) on the chain you need. Swap.bz handles the routing; you only pick the networks.
The service fee is 0.5% regardless of pair. What varies is the network fee on the receive side — a USDT payout on Ethereum during high gas costs more than the same payout on Tron or Solana. The quote already accounts for it, so the number shown is what arrives.
Choosing the network — the one thing that goes wrong
Nearly every stablecoin support ticket is a network mismatch: the user picked “USDT” without checking that the deposit network matched what their wallet or exchange actually sent. In the widget, the network is part of the asset (USDT · Tron, USDT · Ethereum, USDC · Solana…). Match it to the withdrawal network on the sending side before you copy the deposit address.
Address formats help you check: Tron addresses start with T, Ethereum/Base/Arbitrum/BNB Chain addresses start with 0x (and look identical to each other — that is why the network label matters), Solana addresses are base58 with no prefix. Our free address checker at /address-checker validates the format against the chain you selected.
- Deposit network must match the network you send from.
- Receive address must be valid on the receive network.
- Tron (TRC-20) and Solana are the cheapest payout chains for USDT/USDC.
Popular stablecoin routes
USDT Tron → USDT Ethereum is the classic “I need to interact with DeFi” move; the reverse is how people leave Ethereum gas costs behind. USDC Ethereum → USDC Solana and USDC Base → USDC Solana fund Solana wallets from L1/L2 balances. USDT → USDC and USDC → USDT let you switch issuer on the same chain when a protocol only accepts one of them.
Stablecoin → XMR (USDT → XMR, USDC → XMR) is a growing route: parking dollars in Monero rather than a transparent chain. And stablecoin → SOL / ETH is how many wallets first get gas on a new chain without opening an exchange account.
Timing and what to expect
Stablecoin swaps between fast chains (Tron, Solana, Polygon, BNB Chain) are among the quickest on Swap.bz — often under five minutes once the deposit is credited. Ethereum deposits need a few block confirmations and can take 5–15 minutes when gas is congested. Bridges and wrapped assets are not involved: the payout is native USDT/USDC on the destination network, issued by Tether or Circle.
If you sent on the wrong network, do not panic and do not send again. Open /status with the order ID and the transaction hash. Recovery depends on whether the address is reachable on the network you used; support will tell you honestly if it is or is not.
Cross-chain stablecoin options compared
| Swap.bz | Official bridges (CCTP, Stargate) | Centralized exchange | DEX + bridge | |
|---|---|---|---|---|
| Account / KYC | None to quote | None — wallet connect | Mandatory | None — wallet connect |
| Wallet connection / approvals | None — just send | Required, token approvals | Deposit + withdraw | Required, multiple approvals |
| Gas on source chain | Only your send | Bridge tx + approvals | Withdrawal fee | Swap + bridge + approvals |
| Chains covered | All listed networks in one widget | Limited to bridge pairs | Exchange-supported only | Depends on bridge |
| Fee | 0.5% all-in | Variable + gas | Withdrawal fee | Slippage + bridge fee + gas |
| Switch issuer (USDT ↔ USDC) | Same swap | No | Yes via trading | Extra swap |
Competitor data from their public pages and terms as of the review date. Policies change — verify before you rely on them. “Conditional KYC” means the service publicly reserves the right to request ID on flagged or large orders.
Before you send
Sending USDC on the wrong chain to the deposit address can permanently lose funds. The token ticker is not enough — the network must match.
A Solana receive address is not an Ethereum 0x address. Phantom / Solflare ≠ MetaMask format.
USDT and USDC are different tokens. A USDT quote will not credit a USDC transfer.