Swap Bitcoin (BTC) to USD Coin (USDC)

Swapping Bitcoin (BTC) to USD Coin (USDC) converts BTC into Circle's dollar-pegged stablecoin without selling on an exchange. You send native BTC and receive USDC on the network you choose.

You Send

You Get

Fetching live quotes…

How to swap Bitcoin for USD Coin

To swap Bitcoin (BTC) for USD Coin (USDC), enter the amount you want to send and compare the live provider quotes shown by Monivo. Review the estimated USDC payout and whether the rate is fixed or floating, provide a USD Coin wallet address, then send BTC only after you have confirmed the selected route and its deposit details.

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

Read the full BTC → USDC step-by-step guide →

BTC → USDC routing details

Monivo requests quotes from every connected liquidity provider for this route and shows the one that pays out the most USDC. 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 Bitcoin to USD Coin
Detail	You send — BTC	You receive — USDC
Supported networks	Bitcoin (native)	Ethereum (ERC-20) Solana (SPL) Base / Arbitrum / Polygon
Confirmations	1–2 confirmations (~10–20 minutes)	1–12 confirmations, depending on the network
Typical processing	Indicative: usually 10–30 minutes end to end, provider-dependent	Indicative: usually 5–15 minutes end to end, provider-dependent
Custody	Sent from your own BTC wallet to a one-time deposit address.	Paid straight to the USD Coin address you provide — Monivo never holds funds.

Fixed rate or floating rate for BTC → USDC?

Fixed rate

The USDC amount is locked when you confirm. The provider carries the market risk while your BTC 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 BTC deposit lands. It can pay out more USDC than a fixed quote, but the final amount can move up or down while the deposit confirms.

What to check before swapping BTC to USDC

Bitcoin confirmations and the USDC network are the two things to plan for.

Bitcoin confirmations take time: The provider waits for your BTC to confirm before paying out, so a floating estimate can move meanwhile. A fixed quote holds the amount until it expires.
Choose the USDC network: Pick a USDC network your wallet supports and paste a matching address.
Compare the USDC payout, not the headline rate: Judge quotes by the estimated USDC you receive and read the fixed or floating terms. A floating estimate can move while your deposit confirms; a fixed quote has an expiry.

Why swap BTC to USDC on Monivo

Aggregated rate comparison. Monivo compares quotes across multiple providers so your USDC 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 BTC or USDC. The USD Coin is sent straight to the wallet address you provide.
No account. No sign-up and no email for standard BTC/USDC swaps; the executing provider may still request verification.
Fixed or floating rate. Lock the BTC/USDC rate at quote time, or use the market rate at execution.

Why swap BTC → USDC

Take Bitcoin profits into a stablecoin in self-custody.
Get USDC for DeFi on Ethereum or another supported chain.
Hold dollar-pegged value between trades.
Pay a USDC-priced invoice from BTC.

Network fees explained

Sending BTC

Your Bitcoin wallet sets the miner fee when it sends the deposit.

Receiving USDC

The provider pays the USDC payout. Moving USDC later needs that network's gas token, such as ETH on Ethereum.

Best wallets for USDC

MetaMask. Receives ERC-20 tokens on Ethereum and other EVM networks.
Trust Wallet. Mobile wallet supporting many networks, including ERC-20 and TRC-20.
Ledger. Hardware-backed storage for larger balances.

Non-custodial

Encrypted in transit

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.

BTC → USDC FAQ

How do I swap BTC to USDC?

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

How long does a BTC to USDC swap take?

Swaps average under 10 minutes; the exact time depends on Bitcoin network confirmations.

What's the fee to swap BTC to USDC?

Monivo does not add a separate fee. The quoted USDC amount already reflects the provider's spread and payout network costs; your sending wallet may charge its own Bitcoin network fee.

Do I need an account to exchange BTC for USDC?

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

What's the minimum BTC to USDC swap?

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

Which USDC network should I receive on?

Pick the network your receiving wallet supports, such as Ethereum or Solana, and paste an address for that network.

Is BTC to USDC a sale for dollars?

No. You receive USDC tokens in your own wallet, not a bank payout.

Does a slow Bitcoin fee affect a fixed quote?

It can. If the BTC deposit confirms after the provider's window, the fixed terms may no longer apply, so choose a fee that confirms in time.

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