Exchange USDC ERC20 for Monero (USDC to XMR)

USDC to Monero rate: what affects your final amount

In this pair, the price of Monero moves first, and the amount of XMR you receive for your USDC changes with it. Below is the chart of the coin you receive, followed by the direction’s parameters.

USD Coin ERC20 USDC→Monero XMR

Exchange rate, 1 XMR =

644.73 USDC

Exchange data as of November 4, 2026 · floating rate

Minimum amount

50 USDC

Maximum amount

1,000,000 USDC

Reserve

456.968052 XMR

Current reference: 1 USDC = 644.73 XMR. The rate floats and is fixed only after the network confirms your transfer the required number of times. If you need to know the amount in advance, choose the paid option “Fixed rate” in the form.

USDC to XMR Exchange | Convert USDC to Monero

This is an exchange of one cryptocurrency for another: you send USD Coin ERC20 (USDC) and receive Monero (XMR) to your Monero wallet. The payment here is a USDC transfer, so no bank details are needed in the order.

• What you send: USDC on the ERC20 network.
• What you receive: XMR to the Monero wallet address you enter in the order.
• How the rate works: it is floating and depends on the exchange amount, so check the result for your amount in the form.
• Who processes the order: an operator, manually.

Choose USD Coin ERC20 (USDC) and Monero (XMR) in the exchange form, enter the amount, and check the total before creating the order.

How to exchange USDC for Monero at BTCChange24

This direction works like this: you send USD Coin ERC20 (USDC), and Monero (XMR) goes to your wallet. Each order is processed manually by an operator, so payout takes from 30 minutes to 72 hours.

• USDC on the ERC20 network in a wallet or on an exchange that allows withdrawals.
• Monero wallet address where the coins should arrive.
• Telegram or WhatsApp and e-mail so the operator can contact you.

In the exchange form, choose USD Coin ERC20 (USDC) and Monero (XMR), enter the amount, and the form will show how much XMR you will receive. Exchange terms are described in the site rules.

How much XMR you get for your USDC

Enter the amount of USDC into the calculator, and it will estimate the XMR you receive. Ready-made calculations for popular amounts are in the table below.

You sendUSDC

You receive

≈ 0.764055

XMR

Go to exchange

Rate for this amount: 1 USDC = 0.001528 XMR

Why large and small amounts are calculated differently

In this direction the rate depends on the exchange amount, so each row in the table has its own calculation. The calculator and the form use the same conditions.

The result is a reference only and is not a guarantee. The rate floats, so the final amount is set at the moment of fixing, after network confirmations.

Step by step: exchange USDC ERC20 for XMR

To get Monero, create an order, send USDC, and wait for XMR to arrive in your wallet.

1. 1

   Create an order

   Choose the pair, enter the amount, your Monero address and contacts.

   You send

   USD Coin ERC20500 USDC

   You receive

   Monero≈ 0.764055 XMR

   Recipient details

   • Monero wallet address
   • Telegram or WhatsApp
   • E-mail

   Create order
2. 2

   Send USDC

   Transfer the amount from the order to the address shown on the site.

   Send exactly

   500 USDC

   To the address in your order

   The address appears once the order is created

   Waiting for network confirmations
3. 3

   Receive XMR

   The operator processes the order manually and sends Monero to your address.

   Payout sent

   ≈ 0.764055 XMR

   to your Monero wallet

   Payout time: 30 minutes to 72 hours

Step 1. Create an order

In the exchange form, choose USD Coin ERC20 (USDC) in the “You send” block and Monero (XMR) in the “You receive” block, then enter the amount. The amount of XMR to receive will appear immediately.

Open the USDC to XMR exchange form

Next, fill in three order fields:

• Monero wallet address;
• Telegram or WhatsApp;
• e-mail.

Before confirming, double-check the amount and address. Turn on paid options only if you really need them.

Step 2. Send USDC

After you create the order, the site will show the address and amount for the transfer. Send USDC strictly on the ERC20 network and in the amount specified in the order.

• Compare the first and last characters of the pasted address with the address on the order page.
• If you withdraw from an exchange, account for its withdrawal fee so that the full order amount reaches the address.
• Save the transaction hash (TXID): you will need it if you contact support.

Step 3. Receive Monero

Once the transfer gets the required confirmations, the operator will send XMR to the address you specified. You can ask questions about your order in site support or on Telegram.

Order limits and Monero reserve

The amount of a single order is limited: from 50 USDC to 1,000,000 USDC.

The exchange reserve currently holds 456.968052 XMR, and payouts come from it. If your amount is outside the limits or requires more Monero than the reserve holds, the form will tell you, and support will suggest options.

How long to wait for Monero after sending USDC

The total time has two parts: the network confirms your transfer, then the operator processes the order manually.

Network confirmations

Until your USDC transfer collects the required number of confirmations, the rate is not fixed and the payout does not start. The required number is listed in the rules. A higher network fee set when sending may speed things up, while network congestion can slow it down.

Processing and payout

Payout on this direction takes from 30 minutes to 72 hours. For faster processing, the form offers the paid option “I need it urgently”.

What to check if payout is delayed

1. Find the TXID of the transfer in your wallet or on the exchange.
2. Open the transaction in a block explorer and check how many confirmations it has.
3. Make sure the recipient address and amount match the order.
4. If everything is correct but the time has passed, contact support.

In your message, include the order number and TXID. Do not resend USDC.

Fees when exchanging USDC for XMR

BTCChange24 does not charge a separate exchange fee, as it is already included in the rate. The form shows the amount you will receive before you create the order.

Costs outside the exchange

Sending USDC on the ERC20 network requires a network fee, and its size depends on network load and your wallet settings. When withdrawing from an exchange, the exchange usually also deducts its own withdrawal fee.

Paid options in the form

• “Fixed rate”;
• “Personal payment to friends”;
• “I need it urgently”;
• “Payment screenshot required”;
• “I want to receive it in one payment”;
• “Priority support”;
• “Tip for the service.”

None of these options is required. The form shows how the selected options change the total before you create the order.

How to compare offers fairly

Enter the same amount of USDC into different exchangers and compare how much XMR you get at the end. Focusing on the stated fee percentage makes little sense: the final amount is what matters.

How to enter your Monero address and contacts correctly

XMR goes exactly to the address written in the order, and it cannot be corrected after sending. Check these fields before you transfer USDC.

• Monero wallet address. The address is long, so copy it in full using the copy button in your wallet instead of typing it by hand. Make sure the wallet or exchange supports Monero specifically.
• Telegram or WhatsApp. Enter the messenger where you can conveniently reply to the operator.
• E-mail. Enter an address you can access, as order information is also sent there.

If you notice a typo after creating the order, do not send USDC. Create a new order or contact support first.

Safety when exchanging USDC for Monero

Send only USDC on the ERC20 network

A coin with the same name on another network will not be credited as a payment for your order. Before sending, check which network is selected in your wallet.

Check the address after pasting

Some malware replaces clipboard contents. Compare the address in your wallet with the address on the order page, and only then confirm the transfer.

Do not grant permissions to unknown sites

The exchange does not require connecting your wallet to third-party services or signing token spending permissions. Never share your seed phrase or private keys with anyone.

Check where a message came from

Ignore new payment addresses “from the exchange” sent in private messages. Take payment details from your order page, and ask questions through support on the site or on the Telegram account linked from the site.

If your USDC to XMR exchange goes differently than expected

USDC sent, but the order status has not changed

Open the transaction by its TXID. If it is not confirmed yet, the reason is usually the network: wait for confirmations. If there is no TXID, the exchange may not have sent the withdrawal yet.

Transfer sent on the wrong network

Do not send any new payments and contact support right away. Include the order number, the network you selected when sending, the amount, and the TXID.

Final XMR amount differs from expected

The rate floats and is fixed after confirmations, so the Monero price may have changed while you waited. To know the result in advance next time, select “Fixed rate”.

Monero address in the order is wrong

If you have not sent USDC yet, create a new order with the correct address. If the transfer is already sent, contact support immediately, before the payout is made.

Order completed, but XMR is not visible in your wallet

Give your wallet time to sync with the Monero network, as the balance may display with a delay. If nothing changes, send support your order number and your address.

FAQ: exchanging USDC ERC20 for Monero

In short: how to exchange USDC for Monero at BTCChange24

Before sending funds, check three things: the ERC20 network, the amount from your order, and the Monero address. Keep the transaction hash until XMR appears in your wallet.