No KYC · Non-custodial · Private

Swap USD Coin → Monero (no KYC)

Looking for XMR on Monero mainnet? Keep custody of both ends: quote on ToSwap, push USD Coin from your wallet, collect Monero automatically once the deposit depth clears. Private by design — no account to open.

    Start swap

    You Send
    -
    ▼
    All fees included
    Estimated rate: -
    You Get
    -
    ▼

    Three steps on ToSwap

    1. Set the USDC amount and paste the Monero address that should collect payout on Monero mainnet.

    2. Tap Exchange to lock the live ToSwap quote and reveal this order’s deposit details.

    3. Send exactly that USDC amount to the deposit. After ERC-20 on Ethereum confirms, XMR is pushed to your wallet.

    Before you broadcast

    • ERC-20 USDC follows Ethereum confirmation times.
    • Send USDC on Ethereum mainnet only for this route — not Polygon, Base, or Solana USDC.
    • Leave ETH in your wallet for gas when sending USDC.
    • If XMR is late, refresh your wallet and re-check the order status. When a payout hash is already listed, email or SimpleX support with your Exchange ID — ToSwap has no login that can reopen expired pages.
    You send

    USDC on ToSwap — ERC-20 unless stated

    USD Coin on Ethereum mainnet is the default on this hub. A Solana or L2 USDC send will not credit an ERC-20 deposit — match the mint before you broadcast.

    USDC on Ethereum mainnet

    Use an ERC-20 compatible Ethereum address. L2 USDC is a different asset on-chain.

    Gas fees apply to token transfers — ensure sufficient ETH balance.

    You receive

    Monero on ToSwap — privacy by default

    XMR hides amounts and destinations on-chain. Prefer a fresh subaddress per ToSwap order; after payout, give your wallet time to scan before you assume the GUI is wrong.

    XMR payout not showing?

    Wait for wallet sync to complete — Monero often needs several minutes to reflect incoming outputs.

    If the order lists a payout tx but your synced wallet shows nothing, contact support.

    Receiving XMR with privacy intact

    Monero payouts use one-time addresses — your wallet must finish scanning recent blocks to display the balance.

    • Use a fresh subaddress for each swap rather than reusing old receive addresses.
    • Compare your wallet block height with a public explorer before assuming a payout failed.
    • Allow extra time after the order shows sent — privacy features can delay wallet display.

    Deposit checklist

    Chain mismatches and bad addresses are the usual failure modes — skim these notes before you fund the deposit.

    USDC vs USDT: pick the right network ERC-20, TRC-20, and other networks are not interchangeable. Sent crypto to the wrong network? Wrong chain sends often cannot be reversed — learn what to check first. Prove a Monero transaction you sent Verify an XMR payment when your wallet is still syncing. Deposit amount must match exactly Under- and over-payments can delay or fail automated crediting.

    How ToSwap works

    Asset hubs

    More anonymous no-KYC lanes and chain notes for each coin.

    USDC Swap USD Coin (USDC) — no KYC hub XMR Swap Monero (XMR) — no KYC hub

    Other pairs on this route

    XMR → USDC Convert Monero to USD Coin with top rates and low fees where the market allows. No profile, no hosted balance. USDC → BTC Instant USD Coin → Bitcoin: anonymous no-KYC, wallet-to-wallet, payout after confirmation. USDC → ETH Instant USD Coin → Ethereum: anonymous no-KYC, wallet-to-wallet, payout after confirmation. USDC → USDT Move USDC (ERC-20) to USDT (TRC-20) with no KYC. Non-custodial stablecoin route — live quote, no account, minutes on ToSwap. USDC → USDT Convert USD Coin to Tether with top rates and low fees where the market allows. No profile, no hosted balance. USDC → SOL Exchange USDC for SOL without signup — privacy-first, non-custodial, fees shown before you send. USDC → ZEC Exchange USDC for ZEC without signup — privacy-first, non-custodial, fees shown before you send. USDC → BNB USDC to BNB via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. USDC → LTC Convert USD Coin to Litecoin with top rates and low fees where the market allows. No profile, no hosted balance. USDC → XRP USDC to XRP via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. USDC → TRX USDC to TRX via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. USDC → DOGE Convert USD Coin to Dogecoin with top rates and low fees where the market allows. No profile, no hosted balance.

    FAQ for this route

    Is KYC or a ToSwap account required for USDC → XMR?

    No. ToSwap never opens a profile or asks for ID documents on a standard USD Coin to Monero order. You stay non-custodial on both legs.

    How fast does XMR usually arrive?

    Many payouts leave within minutes after the ERC-20 on Ethereum deposit confirms. Congestion on ERC-20 on Ethereum or Monero mainnet can stretch that — fees and mempools set the clock, not a manual review.

    Does ToSwap hold my USDC or XMR?

    No hosted balance. You broadcast USDC from a wallet you control; XMR is paid only to the address you paste. Nothing sits under a ToSwap username.

    What if I send USDC on the wrong network?

    Match ERC-20 on Ethereum exactly as printed on the order badge. A wrong-chain deposit often cannot be credited automatically — double-check before you broadcast.