Monero (XMR) → USD Coin (USDC): the rate on each network
See what XMR to USDC costs on each network and decide where to pick up USDC: the table gives the rate, the minimum, the fee and the speed of each network.
Rate as of Nov 4, 2026 19:40
Ahead of the rest right now is Polygon: 1 XMR turns into 637.6922 USDC. The calculator takes exactly this network.
Where to pick up USDC
| Network | Rate | From | Network fee | Speed |
|---|---|---|---|---|
| Polygon best rate | 1 XMR = 637.6922 USDC Polygon | 0.196809 XMR | ≈ $0.0017 | fast |
| Ethereum (ERC20) | 1 XMR = 637.6922 USDC ERC20 | 0.196809 XMR | ≈ $0.023 | medium |
| TRON (TRC20) | 1 XMR = 637.6922 USDC TRC20 | 0.196809 XMR | ≈ $2.2 | fast |
| Solana | 1 XMR = 637.6922 USDC SOL | 0.196809 XMR | ≈ $0.00046 | fast |
| Arbitrum One | 1 XMR = 637.6922 USDC Arbitrum | 0.196809 XMR | ≈ $0.003 | fast |
| BASE | 1 XMR = 637.6922 USDC BASE | 0.196809 XMR | — | — |
| BNB Smart Chain (BEP20) | 1 XMR = 637.6922 USDC BEP20 | 0.196809 XMR | ≈ $0.0023 | fast |
| Avalanche C-Chain | 1 XMR = 637.6922 USDC AVAX C | 0.196809 XMR | ≈ $0.0014 | fast |
| NEAR | 1 XMR = 637.6922 USDC NEAR | 0.196809 XMR | — | — |
| Optimism | 1 XMR = 637.6922 USDC Optimism | 0.196809 XMR | ≈ $0.00016 | fast |
| XLM | 1 XMR = 637.6922 USDC XLM | 0.196809 XMR | — | — |
The cost and speed marks are given against each other: both drift with the load on the network.
How the USDC networks differ
USD Coin exists on several blockchains at once. It is one and the same USDC everywhere; a transfer only arrives when the address and the network match.
Polygon
Polygon PoS is Ethereum-compatible and uses the same 0x address format. The fee is paid in POL and is usually fractions of a cent.
Ethereum (ERC20)
ERC20 means tokens on the Ethereum network. The standard is accepted by almost every wallet and exchange, but gas is paid in ETH, and under heavy load its cost rises noticeably.
TRON (TRC20)
TRC20 means tokens on the TRON network. Confirmation takes seconds, and the fee is charged in TRX or covered by staked energy; it comes out cheaper than in Ethereum — which is why most USDT is sent over TRC20.
Solana
On Solana, tokens are issued under the SPL standard. A transfer is confirmed within seconds, and the fee is measured in fractions of a cent and paid in SOL. A separate account is opened for each new token, and that takes a little SOL as well.
Arbitrum One
Arbitrum One is a layer-2 network on top of Ethereum. The address format is the Ethereum one and the fee is in ETH, but many times cheaper than in the main network.
BNB Smart Chain (BEP20)
BEP20 means tokens on BNB Smart Chain, an EVM-compatible network. The address is indistinguishable by sight from an Ethereum one, the fee is charged in BNB and usually stays small.
Avalanche C-Chain
Avalanche C-Chain is the EVM-compatible chain of Avalanche, and the fee is charged in AVAX.
Optimism
Optimism is another layer-2 network on top of Ethereum. Addresses are in the familiar format, the fee is in ETH and amounts to a small part of the cost in the main network.