XMR to USDC

XMR to USDC: swap Monero to USD Coin without KYC

Wagyu swaps Monero to USDC with no account and no KYC. Send XMR to a one-time deposit address and receive USD Coin on Arbitrum (default) or Ethereum at the address you choose. 0% Wagyu fee, and on the Arbitrum route the test quote lost only about 0.1% between USD in and out. Minimum about $25. About 14 minutes.

Live rate: 1 XMR ≈ 587.85 USDC

Quote updated Oct 27, 2026, 5:11 PM UTC. Refreshes every 10 minutes; fees and minimums below use this snapshot.

Fee and minimum snapshot for 5 XMR on the default network. Check the widget for your selected amount and network.

Fee

Minimum

$25

Typical time

About 14 min

XMR to USDC measured median execution: 13.6 min across 136 completed swaps in the 30 days ending Oct 27, 2026, 5:11 PM UTC. Measured from deposit detection to the final recorded workflow step; excludes the wait before sending and wallet unlock time.

How the XMR to USDC swap works

1. Choose the USDC network and enter your address

Arbitrum for a cheap DeFi wallet, Ethereum mainnet if the destination requires it.

2. Send XMR to the deposit address

Exact amount, from any Monero wallet.

3. Monero confirmations, then the direct USDC send

About 14 minutes on the default network (measured median over the last 30 days).

4. USDC arrives at your address

Fees, minimum and time for this route

Wagyu fee: 0% for this route. The quote also shows applicable routing, trading and rounding costs. Your deposit transaction network fee is paid separately. The final output can change with the market during execution.
Minimum: about $25 on the default network. Another network or amount can change the quote.
Time: about 14 minutes from deposit detection to completion on the default network. Confirmations and large orders executed in slices can take longer. This is the measured median over the last 30 days.

Times are approximate for the default network, from deposit detection to swap completion. Confirmations, order size and your selected network can change the timing.

Before you send

Pick the USDC network first: Arbitrum by default, Ethereum mainnet in the token selector. Paste an address you control on that network, starting with 0x.
Your XMR must be unlocked before you can send it: Monero needs 10 confirmations, about 20 minutes, after you received it.
Send the exact amount shown in the order, in one transaction, and save the order link and its private session key.
Check the address bar. The only official domain is wagyu.xyz.

Which USDC address to use

Any address you control on the network you picked. Receiving USDC costs you nothing, but moving it later needs a little ETH on that network for gas. Use a fresh address from your own wallet, one that has never been linked to your name: if the USDC lands on an address an exchange knows is yours, you give back the privacy you had with Monero. If you need the USDC on an exchange anyway, send it there directly and expect that exchange's own checks.

Three ways to sell XMR without an account

Three ways to sell XMR without an account
Way	How fast	What it costs	What you need
Instant swap (this page)	about 14 minutes to USDC	0% Wagyu fee out of XMR, route cost in the rate	a USDC address
Peer-to-peer market	depends on the buyer	set by you and the buyer	a buyer and an escrow
Atomic swap	slower, both chains must confirm	network fees and the maker's spread	the tools mostly cover XMR and BTC, so you convert the BTC to USDC afterwards

Large exchanges are not on this list: they ask for ID, and several have delisted Monero.

Why cash out XMR to USDC on Wagyu

Monero to USDC is the tightest route out of XMR on Wagyu: direct delivery on Arbitrum, 0% Wagyu fee, and a dollar balance you can use in any EVM app or move to an exchange. It comes without an account and with screening that runs before the swap rather than after your funds arrive, so a deposit is either swapped or refunded, never held. The rules are in the compliance policy. If the route is unavailable, the order asks for a Monero refund address and sends your coins back.

Frequently asked questions

Which network is USDC delivered on?

Arbitrum by default, Ethereum mainnet on request in the token selector. Choose before creating the order.

Is there a fee?

The Wagyu fee is 0% on this route. The quote shows applicable routing, trading and rounding costs before you send. Your deposit network fee is separate, and the final output can change during execution.

How long does it take?

Typically about 14 minutes from deposit detection on the default network. This is the measured median over the last 30 days; confirmations, order size and network conditions can change the timing. The widget shows the estimate for your actual swap.

Is there a minimum?

About $25 on the default network for this route. Check the quote for your selected network and amount before sending.

USDC or USDT to cash out?

USDC on Arbitrum is cheaper and direct on Wagyu; USDT on Tron is accepted by more exchanges and merchants. Both are one swap away: Monero to USDT.

Can I go back to Monero later?

Yes, send USDC from Arbitrum or Ethereum: USDC to Monero.

Is the rate fixed or floating?

Floating. The quote is an estimate and the deposit amount is exact. The USDC you receive follows the market during execution.

Why can't I send my XMR yet?

Monero locks incoming funds for 10 confirmations, about 20 minutes. Wait until your wallet shows the balance as unlocked, then send.

Do I need ETH on Arbitrum to receive USDC?

No, receiving costs you nothing. To move the USDC later you need a little ETH on Arbitrum for gas.

Can I swap Monero to Zcash on Wagyu?

Yes. The Monero to Zcash page pays ZEC to your shielded u1 address with its current fee and timing shown on that page, and the Zcash to Monero page goes the other way.

Data: Wagyu public API (quotes and 30-day route medians). Page updated 21 October 2026.