USDT Optimism (OP Mainnet (Optimism)) → USDC Polygon (Polygon PoS)

Dollars change networks: send USDT Optimism in OP Mainnet (Optimism), collect USDC Polygon in Polygon PoS. One order.

Rate as of Nov 1, 2026 22:19

Orders from: 200 USDT Optimism ≈ $199.84
Payout network: Polygon
24 hours: −0.01%

You send

USDT Optimism

You get 1,999

USDC Polygon

Start the order

Rate: 1 USDT Optimism = 0.9995 USDC Polygon
From: 200 USDT Optimism
Up to: 10,000,000 USDT Optimism

The figure is indicative; the exact amount is locked in the order.

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

The weekly corridor ran from 0.998459 to 0.999713 USDC Polygon, a spread of 0.13%. A single order takes 200 to 10,000,000 USDT Optimism. In dollars that is roughly $199.84.

The payout leaves in the Polygon 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 Optimism → USDC Polygon route

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

USDT Optimism → USDC Polygon rate and amounts

1 USDT Optimism = 0.9995 USDC Polygon

1 USDC Polygon = 1.0005 USDT Optimism

Send USDT Optimism — receive USDC Polygon

USDT Optimism	USDC Polygon
200	199.9001
1,000	999.5003
2,000	1,999
10,000	9,995
20,000	19,990.01
100,000	99,950.03

Need USDC Polygon — send this much USDT Optimism

USDC Polygon	USDT Optimism
200	200.1
1,000	1,000.5
2,000	2,001
10,000	10,005
20,000	20,010
100,000	100,049.99

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)	0.9995	200 USDT Optimism	≈ $0.0093	medium
Solana	0.9995	200 USDT Optimism	≈ $0.00047	fast
Polygon open now	0.9995	200 USDT Optimism	≈ $0.0016	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	0.9995	—	≈ $0.00015	fast
XLM	0.9995	—	—	—

USDC network fees

How the USDT Optimism → USDC Polygon order runs

Work out the amount in the calculator: orders start at 200 USDT Optimism.
Enter a USDC address in Polygon 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 Polygon

Check this before sending USDT Optimism

The address network is Polygon. Sending through another network usually means losing the transfer.
The transfer must not be smaller than 200 USDT Optimism.
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 Polygon PoS.
To move USDC on later, put a little POL 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 Polygon PoS

	OP Mainnet (Optimism)	Polygon PoS
Network type	L2, optimistic rollup	Sidechain with checkpoints in Ethereum
Fees are paid in	ETH	POL
Fee level	≈ $0.00015	≈ $0.0016
Speed	fast	fast
Block	~2 sec	~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 Polygon PoS	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 Polygon PoS	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) → Polygon PoS: all directions The Polygon PoS network

Where the USDT Optimism to USDC Polygon rate has been

WeekMonthQuarterYear

high 0.999713 USDC Polygonlow 0.998459 USDC Polygon

Oct 25, 2026 22:23Nov 1, 2026 22:23

high 0.999991 USDC Polygonlow 0.999117 USDC Polygon

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

high 1.0002 USDC Polygonlow 0.999117 USDC Polygon

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

high 1.0031 USDC Polygonlow 0.996801 USDC Polygon

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

24 hours: −0.01%
Week: 0%
Weekly high: 0.999713 USDC Polygon
Weekly low: 0.998459 USDC Polygon
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 Optimism/USDC Polygon 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 Polygon per unit sent, from market data.

Daily USDT Optimism → USDC Polygon rate

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

Daily RubyCash rate: USDT Optimism → USDC Polygon

Date	RubyCash rate	Market rate
Nov 1, 2026	0.9994 USDC Polygon	0.999456
Oct 31, 2026	0.998702 USDC Polygon	0.999476
Oct 30, 2026	0.998403 USDC Polygon	0.999365
Oct 29, 2026	0.998802 USDC Polygon	0.999407
Oct 28, 2026	0.999301 USDC Polygon	0.999585
Oct 27, 2026	0.998802 USDC Polygon	0.999479
Oct 26, 2026	0.998702 USDC Polygon	0.999358
Oct 25, 2026	0.999001 USDC Polygon	0.999502
Oct 24, 2026	0.998802 USDC Polygon	0.999553
Oct 22, 2026	0.999201 USDC Polygon	0.999452
Oct 21, 2026	0.999201 USDC Polygon	0.999671
Oct 20, 2026	0.9994 USDC Polygon	0.999452
Oct 19, 2026	0.999101 USDC Polygon	0.999297
Oct 18, 2026	0.998901 USDC Polygon	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	Optimism	Polygon
Fees are paid in	ETH	POL
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 Optimism → USDC Polygon

What rate does USDT Optimism to USDC Polygon run at?

As of Nov 1, 2026 22:19 it is 1 USDT Optimism = 0.9995 USDC Polygon. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.999254.

What amounts does USDT Optimism → USDC Polygon accept?

From 200 to 10,000,000 USDT Optimism per order. The lower limit is roughly $199.84.

Where does the 200 USDT Optimism floor come from?

Network fees and order handling eat a small transfer alive — below 200 USDT Optimism the swap stops making sense for either side.

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 Polygon 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.

Will native USDC arrive, or a wrapper?

USDC Polygon is the standard USDC token in Polygon PoS — exactly what exchanges send when they withdraw into this network.

Do I need POL to receive USDC Polygon?

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

Which network will USDC Polygon arrive in?

The payout leaves in Polygon. 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.

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 Polygon rate do this month?

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

Can I go back, USDC Polygon to USDT Optimism?

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