Swap USD Coin (USDC) to Tether (USDT)

Swapping USD Coin (USDC) to Tether (USDT) moves between the two largest dollar stablecoins. They are issued by different companies (Circle and Tether), so a swap is a real trade with provider and network costs — the amount you receive is shown in the quote, not guaranteed 1:1.

You Send

You Get

Fetching live quotes…

How to swap USD Coin for Tether

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

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

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

USDC → USDT routing details

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

Fixed rate or floating rate for USDC → USDT?

Fixed rate

The USDT 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 USDT than a fixed quote, but the final amount can move up or down while the deposit confirms.

What to check before swapping USDC to USDT

Because both sides aim for one dollar, costs and networks decide the outcome more than price movement.

Expect less than 1:1: Provider spread and network costs mean you usually receive slightly less USDT than the USDC you send. Check the estimated payout before confirming.
Match networks on both sides: Send USDC on the network the deposit address expects, and receive USDT on a network your wallet supports.
Compare the USDT payout, not the headline rate: Judge quotes by the estimated USDT 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 USDC to USDT on Monivo

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

Why swap USDC → USDT

Pay a recipient or exchange that only accepts USDT.
Move from USDC on Ethereum to USDT on Tron for cheaper transfers.
Spread stablecoin holdings across two issuers.
Use USDT in apps or markets where it's the main stablecoin.

Network fees explained

Sending USDC

Sending USDC costs the gas token of its network, for example ETH on Ethereum or SOL on Solana. Keep enough in the sending wallet.

Receiving USDT

The provider pays the USDT payout. Moving USDT afterwards needs that network's gas token.

Best wallets for USDT

TronLink. Native Tron wallet for TRC-20 USDT.
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.

USDC → USDT FAQ

How do I swap USDC to USDT?

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

How long does a USDC to USDT swap take?

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

What's the fee to swap USDC to USDT?

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

Do I need an account to exchange USDC for USDT?

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

What's the minimum USDC to USDT swap?

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

Is USDC to USDT always 1:1?

No. Both aim to track the US dollar, but providers quote a spread and payout costs, so compare the USDT actually delivered.

Can I change networks in the same swap?

Yes, when quoted, for example USDC on Ethereum to USDT on Tron. Send on the network in the quote and receive on the network you selected.

Do I need gas to send USDC?

Yes. The sending wallet needs that network's gas token, such as ETH on Ethereum or SOL on Solana.

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