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. No Wagyu fee on swaps out of Monero, and on the Arbitrum route the test quote lost only about 0.1% between USD in and out. Minimum about $25. About 5 minutes.
How the XMR to USDC swap works
- Choose the USDC network and enter your address. Arbitrum for a cheap DeFi wallet, Ethereum mainnet if the destination requires it.
- Send XMR to the deposit address. Exact amount, from any Monero wallet.
- Monero confirmations, then the direct USDC send. About 5 minutes based on recent completed swaps.
- USDC arrives at your address.
Fees, minimum and time for this route
- Fee: 0% from Wagyu. Provider cost inside the rate; the Arbitrum route is direct and cost about 0.1% on the test quote.
- Minimum: about $25 of XMR.
- Time: about 5 minutes based on recent completed swaps.
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 cash out XMR to USDC on Wagyu
Monero to USDC is the tightest route out of XMR on Wagyu: direct delivery on Arbitrum, no 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?
No Wagyu fee on XMR out. The rate includes the provider cost; compare USD in and out in the quote.
How long does it take?
About 5 minutes based on recent completed swaps.
Is there a minimum?
Yes, about $25 of XMR.
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.