WagyuWagyu
USDC to XMR

Swap USDC to Monero (USDC to XMR), no KYC

Wagyu turns USDC into Monero with no account and no identity check. Send USD Coin from Arbitrum (default, cheap and direct) or Ethereum to a one-time deposit address and receive XMR at your Monero address. Fee 2%, shown in the quote. Minimum about $20. About 1 minute on Arbitrum; Ethereum timing varies.

Live rate: 1 USDC ≈ 0.0018124 XMR

Quote updated Sep 28, 2026, 9:41 PM UTC. Refreshes every 10 minutes; fees and minimums below use this snapshot.

Fee and minimum snapshot for 1,000 USDC on the default network. Check the widget for your selected amount and network.

Fee

2%

Minimum

$20

Typical time

About 1 min

How the USDC to XMR swap works

  1. Pick the USDC network and enter your Monero address. Arbitrum by default: the route is direct and the transfer costs cents. Ethereum mainnet works too.
  2. Send USDC to the deposit address. Exact amount, from any wallet or exchange withdrawal on that network. Native USDC only, not bridged USDC.e.
  3. Confirmation and execution. The XMR leg trades on Hyperliquid's orderbook.
  4. XMR arrives at your address.

Fees, minimum and time for this route

  • Wagyu fee: 2% 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 $20 on the default network. Another network or amount can change the quote.
  • Time: about 1 minute from deposit detection to completion on the default network. Confirmations and large orders executed in slices can take longer. This is an editorial estimate, not a measured median.

Times are approximate for the default network, from deposit detection to swap completion. Confirmations, order size and your selected network can change the timing. XMR can appear in your wallet before it becomes spendable.

Why buy Monero with USDC on Wagyu

USDC is the stablecoin of on-chain finance: it is what you hold after selling on a DEX, what you receive from a payroll or a marketplace, what most Arbitrum wallets already contain. Swapping it to Monero is the shortest path from that balance to a private one. Wagyu asks nothing about you, screens before the swap and refunds a blocked address to its origin, and its compliance policy only allows freezing under a valid court order or an order from a duly authorised government authority. USDC itself can be frozen by its issuer at any address; XMR cannot, which is the whole point of the swap.

Frequently asked questions

Which USDC networks can I send from?

Arbitrum by default and Ethereum mainnet. Pick the network in the token selector so the deposit address matches. Send native USDC, not USDC.e.

What is the fee?

The Wagyu fee is 2% 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 1 minute from deposit detection on the default network. This is an editorial estimate; confirmations, order size and network conditions can change the timing. The widget shows the estimate for your actual swap.

Is there a minimum?

About $20 on the default network for this route. Check the quote for your selected network and amount before sending.

Can Circle freeze the USDC while it is in transit?

Circle can freeze USDC at any address it targets, which is one reason people move to Monero. Wagyu's own policy allows freezing only under a valid court order or an order from a duly authorised government authority; the XMR you receive has no issuer at all.

What if I send USDT by mistake?

Send only the token shown in the order. A deposit on the wrong token or chain moves the order to a refund state with a refund address form; the order page shows the recovery details.

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.