Swap Tether (USDT) to USD Coin (USDC)

Swapping Tether (USDT) to USD Coin (USDC) moves between the two largest dollar stablecoins, issued by Tether and Circle. It's a real trade with provider and network costs, so the amount you receive is shown in the quote and isn't guaranteed 1:1.

You Send

You Get

Fetching live quotes…

How to swap Tether for USD Coin

To swap Tether (USDT) 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 USDT only after you have confirmed the selected route and its deposit details.

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

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

USDT → 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 Tether to USD Coin
Detail	You send — USDT	You receive — USDC
Supported networks	Tron (TRC-20) Ethereum (ERC-20) Solana (SPL) BNB Chain (BEP-20) Arbitrum / Polygon	Ethereum (ERC-20) Solana (SPL) Base / 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 USDT 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 USDT → USDC?

Fixed rate

The USDC amount is locked when you confirm. The provider carries the market risk while your USDT 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 USDT 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 USDT to USDC

As with any stablecoin-to-stablecoin swap, the networks and costs decide the outcome.

Expect less than 1:1: Provider spread and network costs mean you usually receive slightly less USDC than the USDT you send. Check the estimated payout first.
Choose the USDC network: USDC exists on several chains. Receive it on a 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 USDT 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 USDT or USDC. The USD Coin is sent straight to the wallet address you provide.
No account. No sign-up and no email for standard USDT/USDC swaps; the executing provider may still request verification.
Fixed or floating rate. Lock the USDT/USDC rate at quote time, or use the market rate at execution.

Why swap USDT → USDC

Pay a recipient or app that only accepts USDC.
Move from TRC-20 USDT to USDC on Ethereum or Solana.
Spread stablecoin holdings across two issuers.
Use USDC in apps where it's the main stablecoin.

Network fees explained

Sending USDT

Sending USDT costs its network's gas token: TRX or energy for TRC-20, ETH for ERC-20.

Receiving USDC

The provider pays the USDC payout. Moving USDC later needs that network's gas token.

Best wallets for USDC

Phantom. Holds USDC on Solana.
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.

USDT → USDC FAQ

How do I swap USDT to USDC?

Enter the amount of Tether 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 USDT to USDC swap take?

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

What's the fee to swap USDT 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 Tether network fee.

Do I need an account to exchange USDT for USDC?

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

What's the minimum USDT to USDC swap?

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

Is USDT to USDC always 1:1?

No. Providers quote a spread and payout costs, so compare the USDC actually delivered.

Can I send USDT on Tron and receive USDC on Ethereum?

Yes, when a provider quotes that combination. The receiving address must match the USDC network you select.

Do I need ETH to receive USDC on Ethereum?

No. The provider pays the payout. You need ETH only when you later move that USDC.

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