Stablecoins from BNB Smart Chain to OP Mainnet (Optimism): USDT BEP20 → USDC Optimism

One USDT BEP20 buys 0.9995 USDC Optimism right now; the other way round, 1 USDC Optimism is 1.0005 USDT BEP20. Market over 24 hours: USDT BEP20 against USDC Optimism minus 0.01%. The week added a move of 0%.

The weekly corridor ran from 0.998459 to 0.999713 USDC Optimism, a spread of 0.13%.

The payout leaves in the Optimism network, so the receiving address has to belong to that network. By market cap Tether sits 3th ($179.98 B) and USD Coin 6th ($71.53 B). Daily moves of USDT and USDC over 90 days line up at 0.11 (they travel apart).

Who takes the USDT BEP20 → USDC Optimism route

A road both waysThe USDC Optimism → USDT BEP20 direction is open too, so going back into USDT takes the same route.

USDT BEP20 → USDC Optimism rate and amounts

1 USDT BEP20 = 0.9995 USDC Optimism

1 USDC Optimism = 1.0005 USDT BEP20

Send USDT BEP20 — receive USDC Optimism

USDT BEP20	USDC Optimism
20	19.99
100	99.95
500	499.7501
5,000	4,997.5
20,000	19,990
100,000	99,950.02

Need USDC Optimism — send this much USDT BEP20

USDC Optimism	USDT BEP20
20	20.01
100	100.05
500	500.25
5,000	5,002.5
20,000	20,010
100,000	100,050

Payout network for USDC

The same USDC goes out in several networks. Rates and lower limits differ, and the fee is charged by the network itself.

Network	Per USDT BEP20	From	Network fee	Speed
Ethereum (ERC20)	0.99941	100 USDT BEP20	≈ $0.0062	medium
Polygon	0.99941	100 USDT BEP20	≈ $0.0017	fast
Solana	0.99941	100 USDT BEP20	≈ $0.00047	fast
Arbitrum One	0.9995	—	≈ $0.0029	fast
BASE	0.9995	—	—	—
BNB Smart Chain (BEP20)	0.9995	—	≈ $0.0023	fast
Avalanche C-Chain	0.9995	—	≈ $0.0014	fast
NEAR	0.9995	—	—	—
Optimism open now	0.9995	—	≈ $0.00015	fast
XLM	0.9995	—	—	—

USDC network fees

How the USDT BEP20 → USDC Optimism order runs

Work out the amount in the calculator and press the exchange button.
Enter a USDC address in Optimism and a way to reach you.
Send USDT BEP20 in BNB Smart Chain (BEP20) for exactly the amount stated in the order.
Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.

Swap USDT BEP20 for USDC Optimism

Check this before sending USDT BEP20

The address network is Optimism. Sending through another network usually means losing the transfer.
Copy the address whole, then compare the first and last characters after pasting.
Ethereum, Arbitrum, Optimism, BNB Smart Chain and Polygon all use the same address shape (0x…). Make sure the wallet is switched to OP Mainnet (Optimism).
To move USDC on later, put a little ETH at the same address.
Coins go through an AML check: a flagged transfer can be held until the check is finished.

BNB Smart Chain against OP Mainnet (Optimism)

	BNB Smart Chain	OP Mainnet (Optimism)
Network type	Layer one (L1)	L2, optimistic rollup
Fees are paid in	BNB	ETH
Fee level	≈ $0.0023	≈ $0.00015
Speed	fast	fast
Block	—	~2 sec
Address shape	0x…	0x…
Memo or tag	not needed	not needed
Ethereum-style address (0x…)	yes	yes
Official withdrawal to Ethereum	—	≈ 7 days (challenge period)

Fee and speed levels are comparative: both move with how busy the network is.

How this differs from a classic bridge

	RubyCash	Classic bridge
What lands at your address	USDC in OP Mainnet (Optimism)	The same stablecoin; turning USDT into USDC is a separate step
Wallet and signatures	Not needed: the coins go to the address from the order	Needed: connect the wallet and sign contract transactions
A coin for fees in OP Mainnet (Optimism)	Not needed to receive	Often needed, or the funds cannot be claimed or moved on
Timing	After confirmations in BNB Smart Chain; the order page tracks it	Depends on the bridge and the load of both networks
Who holds the funds meanwhile	RubyCash for the life of the order, with an AML check	The bridge contract or its validators

Bridge BNB Smart Chain → OP Mainnet (Optimism): all directions The OP Mainnet (Optimism) network

Where the USDT BEP20 to USDC Optimism rate has been

WeekMonthQuarterYear

high 0.999713 USDC Optimismlow 0.998459 USDC Optimism

Oct 25, 2026 21:38Nov 1, 2026 21:38

high 0.999991 USDC Optimismlow 0.999117 USDC Optimism

Oct 2, 2026 03:00Nov 1, 2026 03:00

high 1.0002 USDC Optimismlow 0.999117 USDC Optimism

Aug 3, 2026 03:00Nov 1, 2026 03:00

high 1.0031 USDC Optimismlow 0.996801 USDC Optimism

Nov 2, 2025 03:00Nov 1, 2026 03:00

24 hours: −0.01%
Week: 0%
Weekly high: 0.999713 USDC Optimism
Weekly low: 0.998459 USDC Optimism
Spread: 0.13%

Market data from CoinGecko as of Nov 1, 2026 20:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far USDT BEP20/USDC Optimism travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.99953	0.999422	0.999479	−0.01%
Week	0.999713	0.998459	0.999422	0%
Month	0.999991	0.999117	0.999544	−0.03%
Quarter	1.0002	0.999117	0.999735	−0.02%

Figures are in USDC Optimism per unit sent, from market data.

Daily USDT BEP20 → USDC Optimism rate

Day	Close	Against the day before
Nov 1, 2026	0.999471 USDC Optimism	+0.01%
Oct 31, 2026	0.999338 USDC Optimism	+0.02%
Oct 30, 2026	0.999176 USDC Optimism	−0.04%
Oct 29, 2026	0.999561 USDC Optimism	+0.01%
Oct 28, 2026	0.999478 USDC Optimism	+0.02%
Oct 27, 2026	0.999325 USDC Optimism	0%
Oct 26, 2026	0.999282 USDC Optimism	−0.03%

Daily RubyCash rate: USDT BEP20 → USDC Optimism

Date	RubyCash rate	Market rate
Nov 1, 2026	0.9995 USDC Optimism	0.999456
Oct 31, 2026	0.998702 USDC Optimism	0.999476
Oct 30, 2026	0.998403 USDC Optimism	0.999365
Oct 29, 2026	0.998801 USDC Optimism	0.999407
Oct 28, 2026	0.9993 USDC Optimism	0.999585
Oct 27, 2026	0.998801 USDC Optimism	0.999479
Oct 26, 2026	0.998702 USDC Optimism	0.999358
Oct 25, 2026	0.999001 USDC Optimism	0.999502
Oct 24, 2026	0.998801 USDC Optimism	0.999553
Oct 22, 2026	0.999201 USDC Optimism	0.999452
Oct 21, 2026	0.999201 USDC Optimism	0.999671
Oct 20, 2026	0.9994 USDC Optimism	0.999452
Oct 19, 2026	0.999101 USDC Optimism	0.999297
Oct 18, 2026	0.998901 USDC Optimism	0.999412

Our own rate is written down every hour; the table keeps the last entry of each day. The market column is the ratio of the same two coins on CoinGecko at that moment. Where these numbers come from

The numbers on USDT and USDC

Tether USDT

Price: $0.99921
24 hours: −0.03%
Week: +0.01%
Market cap: $179.98 B
24-hour turnover: $25.92 B
Rank by cap: #3
In circulation: 180.12 B USDT
Record price: $1.32

USD Coin USDC

Price: $0.999754
24 hours: −0.02%
Week: +0.02%
Market cap: $71.53 B
24-hour turnover: $5.86 B
Rank by cap: #6
In circulation: 71.54 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 20:54.

Tether against USD Coin

	Tether (USDT)	USD Coin (USDC)
Ticker	USDT	USDC
Type	token	token
Network	BNB Smart Chain (BEP20)	Optimism
Fees are paid in	BNB	ETH
Launched	2014	2018
Built by	Tether Limited	Circle
Supply cap	no cap	no cap
In circulation	180.12 B USDT	71.54 B USDC
Market cap	$179.98 B	$71.53 B
Rank by cap	#3	#6

Daily moves of USDT and USDC over 90 days line up at 0.11 — they travel apart.

Common questions: USDT BEP20 → USDC Optimism

What rate does USDT BEP20 to USDC Optimism run at?

As of Nov 1, 2026 21:34 it is 1 USDT BEP20 = 0.9995 USDC Optimism. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.999254.

What else is taken on top of the rate?

The payout is already calculated at the rate in the calculator. On top of it you only pay the network fee for sending USDT BEP20, and that one goes to the blockchain, not to us.

How long does USDT BEP20 to USDC Optimism take?

The clock starts with confirmations: the order goes into work once BNB Smart Chain (BEP20) confirms your transfer. After that it comes down to how busy the network is.

Which network will USDC Optimism arrive in?

The payout leaves in Optimism. Make sure the receiving wallet works with that network.

Where is receiving USDC cheaper?

The cheapest is usually USDC Polygon, USDC SOL, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC Optimism. Still, the network is chosen by what the recipient supports, not by the fee.

Will native USDC arrive, or a wrapper?

USDC Optimism is the standard USDC token in OP Mainnet (Optimism) — exactly what exchanges send when they withdraw into this network.

Do I need ETH to receive USDC Optimism?

Not to receive. ETH comes into play later, when you want to send USDC from your address.

What if the rate moves while I am paying?

The rate is pinned to the order and does not move while the order is alive. It can be recalculated if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.

What did the USDT BEP20 to USDC Optimism rate do this month?

The month came in at minus 0.03%. Low 0.999117, high 0.999991, middle 0.999544 USDC Optimism per USDT BEP20.

Can I go back, USDC Optimism to USDT BEP20?

Yes, the reverse direction is open: 1 USDC Optimism = 1.0007 USDT BEP20. The link sits right under the calculator.

Worth reading

Where else this can go

The other way round

USDC Optimism → USDT BEP201.0007

Send USDT BEP20, receive something else

Receive USDC Optimism, send something else

USDT BEP20 USDC Optimism All directions All currencies

Tether (USDT) against USD Coin (USDC)

Bridge BNB Smart Chain → OP Mainnet (Optimism): all directions All bridges

USDT BEP20 (BNB Smart Chain) → USDC Optimism (OP Mainnet (Optimism))