Swap USD Coin (USDC) (USDC) to Monero (XMR)

Exchange USD Coin (USDC) (USDC) for Monero (XMR) instantly at the best available rate. Monivo polls multiple liquidity providers and DEX aggregators in real time, then routes your USDC → XMR trade to the best execution. Non-custodial, no account, and settled directly to your XMR wallet — typically in 5–20 minutes.

You Send

You Get

Fetching live quotes…

How it works

1. Enter the amount of USDC to swap.
2. Paste your Monero wallet address.
3. Pick a fixed or floating rate.
4. Send USDC to the one-time deposit address.
5. Receive XMR in your wallet.

USDC → XMR routing details

Monivo requests quotes from every connected liquidity provider for this route and shows the one that pays out the most XMR. The amount shown is an estimate that depends on the rate type you pick and the provider's own terms; it is confirmed in the widget above before you send anything, with zero added fees on top of the rate you see. The selected provider receives your deposit and settles the payout.

Network and settlement details for swapping USD Coin (USDC) to Monero
Detail	You send — USDC	You receive — XMR
Supported networks	Ethereum (ERC-20) Solana (SPL) Base / Arbitrum / Polygon	Monero (native)
Confirmations	1–12 confirmations, depending on the network	10 confirmations (~20 minutes)
Typical processing	Indicative: usually 5–15 minutes end to end, provider-dependent	Indicative: usually 20–40 minutes end to end, provider-dependent
Custody	Sent from your own USDC wallet to a one-time deposit address.	Paid straight to the Monero address you provide — Monivo never holds funds.

Fixed rate or floating rate for USDC → XMR?

Fixed rate

The XMR amount is locked when you confirm. The provider carries the market risk while your USDC deposit confirms, so the payout matches the quote as long as you send on time and within the quoted limits. Best when you need certainty on the exact amount received.

Floating rate

The swap executes at the market rate when your USDC deposit lands. It can pay out more XMR than a fixed quote, but the final amount can move up or down while the deposit confirms.

Why swap USDC to XMR on Monivo

Aggregated rate comparison. Monivo compares quotes across multiple providers so your XMR payout reflects the strongest quote Monivo found at that moment — with zero added fees, so you can compare elsewhere before confirming.
Non-custodial. Monivo never holds your USDC or XMR. The Monero is sent straight to the wallet address you provide.
No account. No sign-up and no email for standard USDC/XMR swaps; the executing provider may still request verification.
Fixed or floating rate. Lock the USDC/XMR rate at quote time, or use the market rate at execution.

Non-custodial

Encrypted end-to-end

Vetted swap partners

Routed via

Verify the destination address and network before confirming — crypto transfers are irreversible.

Fees and pricing

Monivo does not add a separate platform fee. The quoted receive amount reflects the executing provider's pricing and applicable payout costs. Your sending wallet or exchange may charge its own network or withdrawal fee. The amount shown is an estimate; fixed and floating quotes follow the provider's terms.

Monivo does not add a separate platform fee. Some partner quotes include a small affiliate margin that is retained by Monivo as a referral commission; this margin is included in the rate shown, not added on top. Provider spreads and applicable network costs are also reflected in the quoted amount.

Network fees are set by the blockchain, not by Monivo. No account, no subscription and no withdrawal charge. Live support is available 24/7.

USDC → XMR FAQ

How do I swap USDC to XMR?

Enter the amount of USD Coin (USDC) you want to exchange, paste your Monero wallet address, and confirm the deposit. Monivo aggregates quotes from multiple providers and settles XMR directly to your wallet — no account required.

How long does a USDC to XMR swap take?

Most USDC/XMR swaps complete in 5–20 minutes, depending on USD Coin (USDC) network confirmation times.

What's the fee to swap USDC to XMR?

Monivo aggregates quotes and routes to the best executable rate. The displayed quote is what you receive — there is no hidden spread. Network fees for USD Coin (USDC) apply on top.

Do I need an account to exchange USDC for XMR?

No. Monivo is non-custodial — provide a Monero address and swap directly from your wallet.

What's the minimum USDC to XMR swap?

Minimums are set by the underlying liquidity provider and shown live before you confirm a quote.

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