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

The direction runs at 0.999001 USDC BEP20 per USDT Optimism, or 1.001 USDT Optimism per USDC BEP20. Market over 24 hours: USDT Optimism against USDC BEP20 plus 0.02%. The week added a move of 0%.

The weekly corridor ran from 0.998807 to 0.999745 USDC BEP20, a spread of 0.09%.

The payout leaves in the BNB Smart Chain (BEP20) network, so the receiving address has to belong to that network. By market cap Tether sits 3th ($180.04 B) and USD Coin 6th ($71.65 B). Daily moves of USDT and USDC over 90 days line up at 0.13 (they travel apart).

Who takes the USDT Optimism → USDC BEP20 route

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

USDT Optimism → USDC BEP20 rate and amounts

1 USDT Optimism = 0.999001 USDC BEP20

1 USDC BEP20 = 1.001 USDT Optimism

Send USDT Optimism — receive USDC BEP20

USDT Optimism	USDC BEP20
20	19.98
100	99.9001
500	499.5006
5,000	4,995.01
20,000	19,980.02
100,000	99,900.11

Need USDC BEP20 — send this much USDT Optimism

USDC BEP20	USDT Optimism
10	10.01
50	50.05
500	500.4999
2,000	2,002
20,000	20,020
100,000	100,099.99

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 Optimism	From	Network fee	Speed
Ethereum (ERC20)	0.999001	200 USDT Optimism	≈ $0.0062	medium
Solana	0.999001	200 USDT Optimism	≈ $0.00048	fast
Polygon	0.999001	200 USDT Optimism	≈ $0.00017	fast
Arbitrum One	0.999001	—	≈ $0.003	fast
BASE	0.999001	—	—	—
BNB Smart Chain (BEP20) open now	0.999001	—	≈ $0.0023	fast
Avalanche C-Chain	0.999001	—	≈ $0.0015	fast
NEAR	0.999001	—	—	—
Optimism	0.999001	—	≈ $0.00015	fast
XLM	0.999001	—	—	—

USDC network fees

How the USDT Optimism → USDC BEP20 order runs

Work out the amount in the calculator and press the exchange button.
Enter a USDC address in BNB Smart Chain (BEP20) and a way to reach you.
Send USDT Optimism in Optimism 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 Optimism for USDC BEP20

Check this before sending USDT Optimism

The address network is BNB Smart Chain (BEP20). 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 BNB Smart Chain.
To move USDC on later, put a little BNB at the same address.
Coins go through an AML check: a flagged transfer can be held until the check is finished.

OP Mainnet (Optimism) against BNB Smart Chain

	OP Mainnet (Optimism)	BNB Smart Chain
Network type	L2, optimistic rollup	Layer one (L1)
Fees are paid in	ETH	BNB
Fee level	≈ $0.00015	≈ $0.0023
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 BNB Smart Chain	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 BNB Smart Chain	Not needed to receive	Often needed, or the funds cannot be claimed or moved on
Timing	After confirmations in OP Mainnet (Optimism); 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 OP Mainnet (Optimism) → BNB Smart Chain: all directions The BNB Smart Chain network

Where the USDT Optimism to USDC BEP20 rate has been

WeekMonthQuarterYear

high 0.999745 USDC BEP20low 0.998807 USDC BEP20

Oct 25, 2026 12:54Nov 1, 2026 12:54

high 0.999991 USDC BEP20low 0.999117 USDC BEP20

Oct 1, 2026 03:00Oct 31, 2026 03:00

high 1.0002 USDC BEP20low 0.999117 USDC BEP20

Aug 2, 2026 03:00Oct 31, 2026 03:00

high 1.0031 USDC BEP20low 0.996801 USDC BEP20

Nov 1, 2025 03:00Oct 31, 2026 03:00

24 hours: +0.02%
Week: 0%
Weekly high: 0.999745 USDC BEP20
Weekly low: 0.998807 USDC BEP20
Spread: 0.09%

Market data from CoinGecko as of Nov 1, 2026 11:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far USDT Optimism/USDC BEP20 travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.999532	0.999301	0.99944	+0.02%
Week	0.999745	0.998807	0.999426	0%
Month	0.999991	0.999117	0.999555	−0.04%
Quarter	1.0002	0.999117	0.999738	−0.03%

Figures are in USDC BEP20 per unit sent, from market data.

Daily USDT Optimism → USDC BEP20 rate

Day	Close	Against the day before
Oct 31, 2026	0.999391 USDC BEP20	+0.02%
Oct 30, 2026	0.999176 USDC BEP20	−0.04%
Oct 29, 2026	0.999561 USDC BEP20	+0.01%
Oct 28, 2026	0.999478 USDC BEP20	+0.02%
Oct 27, 2026	0.999325 USDC BEP20	0%
Oct 26, 2026	0.999282 USDC BEP20	−0.03%
Oct 25, 2026	0.99955 USDC BEP20	+0.01%

Daily RubyCash rate: USDT Optimism → USDC BEP20

Date	RubyCash rate	Market rate
Nov 1, 2026	0.999001 USDC BEP20	0.999538
Oct 31, 2026	0.998702 USDC BEP20	0.999476
Oct 30, 2026	0.998403 USDC BEP20	0.999365
Oct 29, 2026	0.998802 USDC BEP20	0.999407
Oct 28, 2026	0.999301 USDC BEP20	0.999585
Oct 27, 2026	0.998802 USDC BEP20	0.999479
Oct 26, 2026	0.998702 USDC BEP20	0.999358
Oct 25, 2026	0.999001 USDC BEP20	0.999502
Oct 24, 2026	0.998802 USDC BEP20	0.999553
Oct 22, 2026	0.999201 USDC BEP20	0.999452
Oct 21, 2026	0.999201 USDC BEP20	0.999671
Oct 20, 2026	0.9994 USDC BEP20	0.999452
Oct 19, 2026	0.999101 USDC BEP20	0.999297
Oct 18, 2026	0.998901 USDC BEP20	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: $0.999538
24 hours: +0.02%
Week: +0.05%
Market cap: $180.04 B
24-hour turnover: $25.75 B
Rank by cap: #3
In circulation: 180.12 B USDT
Record price: $1.32

USD Coin USDC

Price: $1.00
24 hours: +0.01%
Week: +0.05%
Market cap: $71.65 B
24-hour turnover: $5.88 B
Rank by cap: #6
In circulation: 71.65 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 11:54.

Tether against USD Coin

	Tether (USDT)	USD Coin (USDC)
Ticker	USDT	USDC
Type	token	token
Network	Optimism	BNB Smart Chain (BEP20)
Fees are paid in	ETH	BNB
Launched	2014	2018
Built by	Tether Limited	Circle
Supply cap	no cap	no cap
In circulation	180.12 B USDT	71.65 B USDC
Market cap	$180.04 B	$71.65 B
Rank by cap	#3	#6

Daily moves of USDT and USDC over 90 days line up at 0.13 — they travel apart.

Common questions: USDT Optimism → USDC BEP20

What rate does USDT Optimism to USDC BEP20 run at?

As of Nov 1, 2026 12:54 it is 1 USDT Optimism = 0.999001 USDC BEP20. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.999001.

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 Optimism, and that one goes to the blockchain, not to us.

How long does USDT Optimism to USDC BEP20 take?

The clock starts with confirmations: the order goes into work once Optimism confirms your transfer. After that it comes down to how busy the network is. A block in Optimism closes in about 2 sec.

Which network will USDC BEP20 arrive in?

The payout leaves in BNB Smart Chain (BEP20). Make sure the receiving wallet works with that network.

Where is receiving USDC cheaper?

The cheapest is usually USDC SOL, USDC Polygon, 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 BEP20 is the standard USDC token in BNB Smart Chain — exactly what exchanges send when they withdraw into this network.

Do I need BNB to receive USDC BEP20?

Not to receive. BNB 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 Optimism to USDC BEP20 rate do this month?

The month came in at minus 0.04%. Low 0.999117, high 0.999991, middle 0.999555 USDC BEP20 per USDT Optimism.

Can I go back, USDC BEP20 to USDT Optimism?

Yes, the reverse direction is open: 1 USDC BEP20 = 1.0012 USDT Optimism. The link sits right under the calculator.