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  1. Swap Monero (XMR) for USD Coin (USDC NEAR)

Swap Monero (XMR) for USD Coin (USDC NEAR)

The calculator does the maths at the live rate, the page lists the limits and the timing. Your rate is locked the moment the order is created.

Rate as of Nov 3, 2026 03:09

Payout network
NEAR
24 hours
+1.2%
You get 607.1015 USDC NEAR
Start the order
Rate
1 XMR = 607.1015 USDC NEAR
Up to
16,500 XMR

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

One XMR buys 607.1015 USDC NEAR right now; the other way round, 1 USDC NEAR is 0.00164717 XMR. Market over 24 hours: XMR against USDC NEAR plus 1.2%. The week added plus 2.2%.

The weekly corridor ran from 588.0104 to 621.7916 USDC NEAR, a spread of 5.74%.

The payout leaves in the NEAR network, so the receiving address has to belong to that network. By market cap Monero sits 13th ($11.42 B) and USD Coin 6th ($70.99 B). Daily moves of XMR and USDC over 90 days line up at -0.06 (they travel apart).

Who takes the XMR → USDC NEAR route

  • Sitting out the swingsXMR moved +12.26% over the past month. USDC tracks the dollar, so after the swap the value stops following XMR.
  • A road both waysThe USDC NEAR → XMR direction is open too, so going back into XMR takes the same route.

XMR → USDC NEAR rate and amounts

1 XMR = 607.1015 USDC NEAR
1 USDC NEAR = 0.00164717 XMR

Send XMR — receive USDC NEAR

XMRUSDC NEAR
0.0212.142
0.160.7102
0.5303.5508
53,035.51
2012,142.03
10060,710.15

Need USDC NEAR — send this much XMR

USDC NEARXMR
200.0329434
1000.164717
5000.823585
5,0008.2359
20,00032.9434
100,000164.7171

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.

NetworkPer XMRFromNetwork feeSpeed
Polygon607.10150.267971 XMR≈ $0.0015fast
Solana607.10150.1 XMR≈ $0.00046fast
Ethereum (ERC20)607.10150.267971 XMR≈ $0.0078medium
Arbitrum One607.1015—≈ $0.0029fast
BASE607.1015———
BNB Smart Chain (BEP20)607.1015—≈ $0.0023fast
Avalanche C-Chain607.1015—≈ $0.0014fast
NEAR open now607.1015———
Optimism607.1015—≈ $0.00015fast
XLM607.1015———

XMR → USDC: compare all networks USDC network fees

How the XMR → USDC NEAR order runs

  1. Work out the amount in the calculator and press the exchange button.
  2. Enter a USDC address in NEAR and a way to reach you.
  3. Send XMR in Monero for exactly the amount stated in the order.
  4. Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.

Swap XMR for USDC NEAR

Check this before sending XMR

  • The address network is NEAR. Sending through another network usually means losing the transfer.
  • Copy the address whole, then compare the first and last characters after pasting.
  • Coins go through an AML check: a flagged transfer can be held until the check is finished.

Where the XMR to USDC NEAR rate has been

high 621.7916 USDC NEARlow 588.0104 USDC NEAR
Oct 27, 2026 03:13Nov 3, 2026 03:13
high 621.4799 USDC NEARlow 519.526 USDC NEAR
Oct 3, 2026 03:00Nov 2, 2026 03:00
high 621.4799 USDC NEARlow 351.1647 USDC NEAR
Aug 4, 2026 03:00Nov 2, 2026 03:00
high 705.7366 USDC NEARlow 292.568 USDC NEAR
Nov 3, 2025 03:00Nov 2, 2026 03:00
24 hours
+1.2%
Week
+2.2%
Weekly high
621.7916 USDC NEAR
Weekly low
588.0104 USDC NEAR
Spread
5.74%

Market data from CoinGecko as of Nov 3, 2026 02:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far XMR/USDC NEAR travelled, by period

PeriodHighLowMiddleNet move
24 hours614.7055596.3209605.4706+1.2%
Week621.7916588.0104600.4677+2.2%
Month621.4799519.526572.7675+12.33%
Quarter621.4799351.1647509.6219+67.41%

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

Daily XMR → USDC NEAR rate

DayCloseAgainst the day before
Nov 2, 2026606.2712 USDC NEAR+1.2%
Nov 1, 2026599.0999 USDC NEAR+1.99%
Oct 31, 2026587.3862 USDC NEAR−2.72%
Oct 30, 2026603.7791 USDC NEAR+0.93%
Oct 29, 2026598.239 USDC NEAR−1.53%
Oct 28, 2026607.541 USDC NEAR+1.56%
Oct 27, 2026598.1933 USDC NEAR+0.78%

Daily RubyCash rate: XMR → USDC NEAR

DateRubyCash rateMarket rate
Nov 3, 2026605.9167 USDC NEAR606.8102
Nov 2, 2026607.1116 USDC NEAR609.4628
Nov 1, 2026597.98 USDC NEAR595.1319
Oct 31, 2026598.1047 USDC NEAR597.61
Oct 30, 2026588.801 USDC NEAR594.7613
Oct 29, 2026612.0325 USDC NEAR612.4502
Oct 28, 2026599.9302 USDC NEAR602.9349
Oct 27, 2026609.7229 USDC NEAR604.2885
Oct 26, 2026598.3357 USDC NEAR593.8022
Oct 25, 2026602.8239 USDC NEAR604.9626
Oct 24, 2026614.2518 USDC NEAR612.553
Oct 22, 2026611.0515 USDC NEAR608.4011
Oct 21, 2026624.4128 USDC NEAR616.9057
Oct 20, 2026613.2536 USDC NEAR615.4996

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 XMR and USDC

Monero XMR
Price
$606.40
24 hours
+1.16%
Week
+2.18%
Market cap
$11.42 B
24-hour turnover
$144.43 M
Rank by cap
#13
In circulation
18.83 M XMR
Record price
$797.73
USD Coin USDC
Price
$0.999324
24 hours
−0.04%
Week
−0.01%
Market cap
$70.99 B
24-hour turnover
$13.98 B
Rank by cap
#6
In circulation
71.04 B USDC
Record price
$1.04

Source: CoinGecko, Nov 3, 2026 02:54.

Monero against USD Coin

Monero (XMR)USD Coin (USDC)
TickerXMRUSDC
Typecoin of its own networktoken
Launched20142018
ConsensusProof of Work (RandomX)—
Block~2 min—
Supply capno capno cap
Privacyalways on—
In circulation18.83 M XMR71.04 B USDC
Market cap$11.42 B$70.99 B
Rank by cap#13#6
Network—NEAR
Built by—Circle

Daily moves of XMR and USDC over 90 days line up at -0.06 — they travel apart.

Common questions: XMR → USDC NEAR

What rate does XMR to USDC NEAR run at?
As of Nov 3, 2026 03:09 it is 1 XMR = 607.1015 USDC NEAR. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $606.69.
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 XMR, and that one goes to the blockchain, not to us.
How long does XMR to USDC NEAR take?
The clock starts with confirmations: the order goes into work once Monero confirms your transfer. After that it comes down to how busy the network is. A block in Monero closes in about 2 min.
Which network will USDC NEAR arrive in?
The payout leaves in NEAR. 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.
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 XMR to USDC NEAR rate do this month?
The month came in at plus 12.33%. Low 519.526, high 621.4799, middle 572.7675 USDC NEAR per XMR.
Can a XMR to USDC NEAR swap be traced?
Transfers in public networks sit in the explorer for anyone to read. Privacy coins close that off: Monero always, Zcash and Dash when a shielded transfer is chosen.
Can I go back, USDC NEAR to XMR?
Yes, the reverse direction is open: 1 USDC NEAR = 0.00166241 XMR. The link sits right under the calculator.

Worth reading

Where else this can go

The other way round

Send XMR, receive something else

Receive USDC NEAR, send something else

XMR USDC NEAR All directions All currencies

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