Exchange XMR to USDC
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XMR → USDC swap through the cheapest one.
24/7 human support
Real humans on Telegram within 3 minutes, any timezone. Every order has a copyable ID, we see the same state you do.
Non-custodial security
Your XMR moves directly to the provider's deposit address, USDC arrives at your wallet. SwapHub never holds your funds.
Today's XMR → USDC rate.
1 XMR is currently worth 362.5049 USDC. SwapHub compares rates across multiple liquidity providers and routes your order through the one offering the highest net USDC received.
How much will I get.
Live rate applied to common amounts — updated every 60 seconds.
| 1 XMR | 362.5049 USDC |
| 5 XMR | 1812.52 USDC |
| 10 XMR | 3625.05 USDC |
| 50 XMR | 18125.25 USDC |
| 100 XMR | 36250.49 USDC |
| 500 XMR | 181252.47 USDC |
| 1000 XMR | 362504.94 USDC |
| 5000 XMR | 1812524.68 USDC |
| 10000 XMR | 3625049.36 USDC |
| 50000 XMR | 18125246.81 USDC |
| 1 USDC | 0.00275858 XMR |
| 10 USDC | 0.027586 XMR |
| 50 USDC | 0.137929 XMR |
| 100 USDC | 0.275858 XMR |
| 500 USDC | 1.3793 XMR |
| 1000 USDC | 2.7586 XMR |
| 5000 USDC | 13.7929 XMR |
| 10000 USDC | 27.5858 XMR |
| 50000 USDC | 137.9292 XMR |
| 100000 USDC | 275.8583 XMR |
How to swap XMR to USDC.
Enter XMR amount
Type how much XMR you want to swap. We'll show the exact USDC you'll receive at the live rate.
Paste USDC address
Your USD Coin receiving address. We validate the format live — valid addresses show a teal check.
Send your XMR
Transfer XMR to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive USDC
USDC arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XMR to USDC.
Privacy preservation. XMR is the only major cryptocurrency where privacy is mandatory. When delisted from CEXs like Binance and OKX, users moved to non-custodial exchanges like SwapHub to retain their financial sovereignty and avoid surveillance. This swap allows them to hold their XMR while accessing the stable and regulated USDC for broader use cases.
Regulatory compliance. USDC is the preferred stablecoin for institutions and US-based platforms due to its regulatory clarity and MiCA-compliance in the EU. By swapping XMR to USDC, users can benefit from the stability and compliance of a regulated stablecoin while maintaining their privacy.
Financial flexibility. USDC, with its native presence on multiple blockchain networks, offers flexibility for users to move their funds across ecosystems. This swap enables users to leverage the privacy of XMR while enjoying the benefits of a versatile stablecoin that supports DeFi and cross-chain transfers.
Optimized fee structure. XMR transactions are extremely cheap, with fees typically ranging from $0.01 to $0.05. By swapping XMR to USDC, users can take advantage of these low fees while still benefiting from the stable and transparent nature of USDC.
About the assets.
Monero is a privacy-focused cryptocurrency, launched in 2014. It uses ring signatures, stealth addresses, and RingCT to ensure all transactions are private by default.
USDC is the most-regulated stablecoin, issued by Circle Internet Financial and fully backed by cash and short-term US Treasuries. Available natively on Ethereum, Solana, Arbitrum, Base, Polygon, Avalanche, and Stellar.
Questions people ask.
01 What's the current XMR to USDC exchange rate?
Right now 1 XMR equals about 362.5049 USDC. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your XMR arrives at the deposit address.
02 How long does a XMR to USDC swap take?
Average end-to-end time is about 5 minutes. The main variable is Monero network confirmation speed — typically 2 minutes per block, with most requiring 10 confirmations (~20 minutes). You can track progress in real time on the swap page.
03 Which XMR networks are supported?
SwapHub supports XMR on the Monero mainnet only. No L2s or wrapped versions are supported on most chains. The actual network used for your swap will be highlighted automatically based on your source wallet.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $10–$20 equivalent. There's no hard maximum — larger orders may be split across providers automatically for the best rate.
05 Float rate vs Fixed rate — which should I pick?
Float gives you the best available rate at the moment your deposit arrives (usually a slightly better number, subject to movement). Fixed locks the rate when you create the order, costing about 0.4% extra — worth it for large amounts or when the market is moving fast.
06 Is there a fee on top of the exchange rate?
SwapHub charges no extra fee on top of the displayed rate — our margin is already included in what you see. You'll also pay the network fee for USDC and the typical XMR network fee, which ranges from $0.01 to $0.05.
07 What happens if I send the wrong amount?
If you send less than the minimum, the order pauses and you can add a top-up. If you send more than the estimate, you'll automatically receive the extra USDC at the locked rate. Sending a different coin to the XMR address is recoverable but requires contacting support.
08 Can I swap XMR to USDC inside Telegram?
Yes. @swapHUB_com_bot opens a Telegram Mini App with the same flow, same rates, same providers. Convenient for mobile users who already live in Telegram.
09 Is SwapHub regulated? Where is it based?
SwapHub operates as a non-custodial interface that routes orders across multiple licensed exchange providers. We don't custody funds, so the regulatory model is closer to an aggregator than an exchange. For jurisdiction-specific questions, see the Terms.
10 What networks can I use for XMR to USDC swaps?
XMR to USDC swaps on SwapHub can be made directly from the Monero mainnet to any of the following networks for USDC: Ethereum, Solana, Arbitrum, Base, Polygon, Avalanche, or Stellar.