- Indicative mid
- 1 USDC ≈ 0.00192 XMR (not a swap quote)
- USDC ≈ USD
- $0.99968
- Typical time
- 20–35 min Standard (XMR confirmations)
- You send
- USDC on selected network
- You receive
- Monero (XMR) to a native XMR address
USDC to Monero buys native XMR with a stablecoin — no KYC. Send USDC on the network you hold (Ethereum, Base, Solana, …), receive Monero at a native XMR address.
How to swap: select USDC network carefully, paste your Monero address (4…/8…), confirm the quote, send USDC to the deposit address. Wrong USDC chain = risk of loss.
Monero confirmations set most of the wait (~10 confirmations, often ~20 minutes). From Base or Solana USDC, total Standard time is often 20–35 minutes. Ethereum USDC adds gas delay.
0.5% Standard / 1% Private Swap plus USDC and XMR fees. Prefer a self-custodial XMR wallet. Reverse cash-out: XMR→USDT or XMR→BTC.
From your USD Coin wallet
Send USDC from any wallet you control — MetaMask (Ethereum, Base), Phantom (Solana), Coinbase Wallet or another self-custody wallet. You never connect a wallet to Swap.bz: the widget gives you a one-time deposit address and you send USDC to it like a normal transfer. Network: several — the widget shows which one. USDC on Base, Ethereum, Solana, Polygon and Arbitrum are different networks with the same name. Check the network in the widget: Base USDC sent to an Ethereum deposit is the classic mistake.
Receiving Monero: address and network
Paste a XMR address from a wallet you control (Cake Wallet, Feather, Monero GUI…). Payout network: Monero. Monero has a single network. Main addresses start with 4, subaddresses with 8 — both work. Payout takes about 10 confirmations (roughly 20 minutes). Set the refund address at the same time: it must be a USDC address, on the network you send from.
FAQ
USDC to XMR
How do I swap USDC to XMR without KYC?
Open /swap/usdc-to-xmr, select USDC network, paste XMR address, send USDC to deposit. No KYC.
What is the fee to exchange USDC to XMR?
0.5% Standard or 1% Private Swap, plus USDC chain fees and Monero network fees.
How long does a USDC to XMR swap take?
Typically 20–35 minutes. Monero confirmations dominate after the USDC deposit.
Is swapping USDC to XMR on Swap.bz custodial?
No. USDC to one-time deposit, XMR to your wallet.
USDC on Base to XMR?
Yes — select USDC · Base, then a native Monero receive address. Same pair; network chosen in the widget.
Can exchanges receive the XMR?
Only if they still accept Monero. Prefer Feather/Cake or official wallets. Verify deposit asset before swapping.
USDC to XMR vs BTC to XMR?
USDC→XMR starts from a stable (less BTC volatility on the send). BTC→XMR is the classic privacy exit from Bitcoin. Pick based on what you hold.
Is the USDC deposit private?
No. USDC on public chains is transparent. Privacy starts when you receive XMR. That is the point of this pair.
Can I swap USDC to XMR from MetaMask (Ethereum, Base)?
Yes. Take the quote on Swap.bz, then send USDC from MetaMask (Ethereum, Base) (or any other USD Coin wallet) to the deposit address shown. No wallet connection, no account. XMR arrives at the address you pasted.
Which network do I use to receive XMR?
Monero. Monero has a single network. Main addresses start with 4, subaddresses with 8 — both work. Payout takes about 10 confirmations (roughly 20 minutes).
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