You send
Monero XMR
Monero is a privacy-focused cryptocurrency launched in 2014. Ring signatures, stealth addresses and RingCT hide the sender, receiver and amount of every transaction by default.
- Network
- Monero
- Address
- Starts with 4 or 8
XMR → USDC
Swap Monero to USD Coin without KYC
In shortTo swap Monero (XMR) to USD Coin (USDC) without KYC, enter the amount, paste your USDC address and send your XMR to the one-time deposit address. AltoSwap compares 20+ exchanges for this pair, keeps the no-KYC ones by default and routes your swap to the offer that pays the most USDC. No account, email or ID is needed.
- No KYC by default
- No account
- Fixed or floating
- Non-custodial
Rates come from live exchange quotes and refresh automatically. Page content reviewed by the AltoSwap team on . How we produce and check these pages.
XMR to USDC at a glance
Coming from Monero, the exchange only ever sees a XMR deposit. The history behind those coins is not visible to it. The payout in USDC is an ordinary public transaction on Ethereum, sent to the address you provide.
Your USDC is paid on Ethereum. Use an address that starts with 0x and is 42 characters long.
Pair details
- You send
- Monero (XMR) on Monero
- You receive
- USD Coin (USDC) on Ethereum
- KYC
- None by AltoSwap. Routed through A-rated (no-KYC) exchanges by default
- Account
- Not required. No sign-up, no email
- Minimum amount
- About 0.0225 XMR
- Maximum amount
- About 7,040 XMR
- Rate types
- Floating and fixed
- XMR deposit confirmation
- About 20 minutes (10 confirmations)
- Memo / tag
- Not used for this pair's payout
- Custody
- Non-custodial: wallet → exchange → your wallet
How to swap XMR to USDC
Four steps, with no account at any of them. Most of the wait is your XMR deposit confirming on Monero.
- 1
Enter the XMR amount
Type how much XMR you want to swap (minimum about 0.0225 XMR). The USDC you will receive updates live.
- 2
Pick an offer
The top no-KYC offer is preselected. Open 'All offers' to compare fixed and floating rates, speed and each exchange's KYC rating.
- 3
Add your USDC address
Paste the Ethereum address where you want to be paid. A refund address for your XMR is optional but recommended.
- 4
Send XMR, receive USDC
Send the exact amount to the deposit address on Monero. After it confirms (about 20 minutes (10 confirmations)), the USDC is sent to your address.
About Monero and USD Coin
Check the network and the address format on both sides before you send. A swap can only pay the address it was given.
You receive
USD Coin USDC
USD Coin (USDC) is a US-dollar stablecoin issued by Circle and backed by cash and short-dated US Treasuries. It circulates on Ethereum, Solana, Base and many other chains.
- Network
- Ethereum
- Address
- Starts with 0x and is 42 characters long
Need a different network? XMR to USDC (Solana) · XMR to USDC (Base) · XMR to USDC (Arbitrum) · XMR to USDC (Polygon) · XMR to USDC (BEP-20)
Ways to swap XMR to USDC, compared
The same swap can be done four ways. This is how they differ on privacy, custody and price.
| AltoSwap | KYC exchange | DEX | Single instant exchange | |
|---|---|---|---|---|
| Account needed | No | Yes, with email and password | No, wallet connection | No |
| Identity documents | None; no-KYC exchanges by default | ID and selfie before trading | None | Depends on that one exchange |
| Who holds your coins | You, apart from the minutes of the swap | The exchange, in your balance | You | You, apart from the minutes of the swap |
| Native XMR and USDC | Yes | Yes | Mostly wrapped or bridged tokens | Yes |
| Rate you get | Best of 20+ exchanges, compared live | That exchange's order book | That pool's liquidity | One exchange's quote |
| Time for XMR to USDC | Minutes | Hours to days, including sign-up | Minutes | Minutes |
| Buy with a bank card | No, crypto to crypto only | Yes | No | Usually no |
XMR to USDC: questions and answers
How do I swap XMR to USDC without KYC?
Enter the XMR amount on this page, choose an offer, paste your USDC address and send your XMR to the deposit address shown. AltoSwap has no accounts and asks for no identity documents, and by default it only shows exchanges rated A for KYC, meaning providers that do not run identity checks. The USDC is paid directly to your wallet.
What is the XMR to USDC exchange rate?
The rate moves with the market every few seconds and depends on the amount. The calculator at the top of this page requests live quotes from 20+ exchanges and shows the best current XMR to USDC rate for the amount you enter.
What are the minimum and maximum for XMR to USDC?
The minimum is about 0.0225 XMR and the maximum about 7,040 XMR. Limits vary slightly between exchanges and follow market prices; the form tells you immediately if your amount is outside the range.
How long does a XMR to USDC swap take?
Usually 5 to 30 minutes. Most of that is waiting for your XMR deposit to confirm on Monero, which takes about 20 minutes (10 confirmations). There is no verification step, so nothing else adds to the wait.
Is swapping XMR to USDC anonymous?
AltoSwap does not know who you are (no account, no email, no identity checks) and the default route uses no-KYC exchanges. Your XMR deposit is private by Monero's design; the USDC payout is a normal public transaction on Ethereum.
Which USDC address should I use?
Your USDC is paid on Ethereum. Use an address that starts with 0x and is 42 characters long. Always use an address in a wallet you control and double-check the first and last characters before sending.
What fees are included in the XMR to USDC rate?
Everything. The exchange's spread, the Ethereum network fee for the payout and any service commission are already inside the quoted rate, so the amount shown is what you receive: exactly on a fixed rate, approximately on a floating rate. You only pay your own Monero network fee to send the deposit.
Can I swap USDC back to XMR?
Yes. The reverse direction, USDC to XMR, works the same way and has its own page and live rate on AltoSwap. Each direction is quoted independently, so the two rates are not exact mirrors of each other.
Related swaps
USDCXMRUSD Coin to MoneroXMRBTCMonero to BitcoinXMRETHMonero to EthereumXMRUSDTMonero to TetherXMRSOLMonero to SolanaXMRLTCMonero to LitecoinXMRBNBMonero to BNBXMRTRXMonero to TRONBTCUSDCBitcoin to USD CoinETHUSDCEthereum to USD CoinUSDTUSDCTether to USD CoinSOLUSDCSolana to USD CoinLTCUSDCLitecoin to USD CoinBNBUSDCBNB to USD CoinTRXUSDCTRON to USD CoinXRPUSDCXRP to USD Coin
