Swap USDC for Monero, which has no issuer to block an address. Send it from Ethereum with a little ETH for gas.
Market rate on 5 Nov 2026, 18:09 UTC, refreshed every 15 minutes.
USDC is the dollar token that many companies and apps settle in. Circle, its issuer, can block an address, and each transfer sits on Ethereum's open ledger.
Monero is the opposite on both counts: nobody stands behind it to block anything, and its payments show no amounts or addresses.
It's a different asset class, though. USDC stays near a dollar; XMR moves with the market. People usually swap the part they want to hold privately, not all of it.
USDC: USDC is public on Ethereum, and Circle, its issuer, can block an address.
XMR: Monero hides the sender, the receiver and the amount of every payment by default.
Circle can block a USDC address, and every Ethereum transfer is public. The XMR you get has neither.
Read more: what Monero hides, and where it leaks.
USDC
XMROn 4 Nov 2026, 00:52 UTC, sending 100 USDC cost 6.95% of its value and 900 USDC cost 1.58%, every fee included, measured against the market price at that minute.
| You send | Worth | XMR that landed | All-in cost |
|---|---|---|---|
| 100 USDC | $100.00 | 0.148281 XMR | 6.95% |
| 400 USDC | $400.00 | 0.622174 XMR | 2.39% |
| 900 USDC | $900.00 | 1.4116 XMR | 1.58% |
Rather the XMR landed on a day you choose? Stealth lets you pick it, 1 to 30 days out, with its fee of 2% to 6% shown on its own line before you send.
Type how much USDC you're sending.
From your own wallet.
Within the hour, to the deposit address.
The trade, then Monero's next block.
The longest stretch: mule trades, about 20 minutes. The mule walks the bar at the same pace your swap does, just faster.
USDC (ERC-20)XMRUSDC on Ethereum is a token: the transfer is paid in ETH gas, a little more than a plain ETH send.
4 | a standard address, 95 characters |
|---|---|
8 | a subaddress, the best choice for each payer |
4 | an integrated address: 106 characters, with a payment ID inside |
New Monero can be spent after 10 confirmations, about 20 minutes after it lands.
More about MoneroThe market rate on 5 Nov 2026, 18:09 UTC, before any fee. The desk above shows what actually lands for your amount.
| USDC | XMR |
|---|---|
| 1 USDC | 0.001632 XMR |
| 50 USDC | 0.081612 XMR |
| 100 USDC | 0.163225 XMR |
| 250 USDC | 0.408063 XMR |
| 500 USDC | 0.816126 XMR |
| 1,000 USDC | 1.6323 XMR |
| 2,500 USDC | 4.0806 XMR |
| 5,000 USDC | 8.1613 XMR |
| XMR | USDC |
|---|---|
| 0.082 XMR | 50.23 USDC |
| 0.16 XMR | 98.02 USDC |
| 0.41 XMR | 251.18 USDC |
| 0.82 XMR | 502.37 USDC |
| 1 XMR | 612.65 USDC |
| 1.6 XMR | 980.24 USDC |
| 4.1 XMR | 2,511.86 USDC |
| 8.2 XMR | 5,023.73 USDC |
Each fits someone. Here's who.
| Route | ID | Who holds the coins | Fits when |
|---|---|---|---|
| This desk | None | You, until you send | You want money nobody can block, from USDC |
| An exchange account | ID first | The exchange | You trade there anyway |
| Keep it in USDC | None | You, with Circle able to block it | You need a steady dollar |
| Buying XMR from a person | None from a person | Escrow, on a venue that has it | You'd pay a person instead how P2P escrow works |
Every rule, stop by stop: how an order runs.
At the market price on 5 Nov 2026, 18:09 UTC, 1 USDC was about 0.001632 XMR. Type any amount into the desk at the top: on Fast it shows the live amount that lands, everything taken out, before you send. On Stealth you see the market amount and our fee, 2% to 6%, on separate lines.
This page takes USDC on Ethereum (ERC-20). USDC on Solana or Base is on another network.
Yes, a little: Ethereum charges the token transfer's gas in ETH.
No. XMR follows the market. USDC aims at one dollar.
$50 worth of USDC, about 50 USDC at the market price on 5 Nov 2026, 18:09 UTC. The largest is $29,999.
Checked against ethereum.org, getmonero.org; desk quotes read 4 Nov 2026, 00:52 UTC; market rate as shown above. Written by the team that runs the desk.
The way back, and other coins in and out of USDC (ERC-20) and XMR.
