WagyuWagyu
XMR to USDC

Swap Monero to USDC (XMR to USDC), no 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 5 minutes.

Live rate: 1 XMR ≈ 533.21 USDC

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

Fee

0%

Minimum

$25

Typical time

About 5 min

XMR to USDC measured median execution: 14.3 min across 236 completed swaps in the 30 days ending Sep 28, 2026, 9:41 PM UTC. Measured from deposit detection to the final recorded workflow step; excludes the wait before sending and wallet unlock time. This historical median is separate from the typical estimate above.

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 5 minutes as a typical estimate for the default network.
  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 5 minutes 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.

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, without a withdrawal that can be frozen, and with screening that runs before the swap rather than after your funds arrive. The compliance policy limits any freeze to a valid court order or an order from a duly authorised government authority. 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 5 minutes 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 $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.

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.