01
Tell Cambio what you want
Describe the swap in one sentence. The AI resolves both networks, quotes a live rate, and shows how that rate stacks up against the biggest exchanges before you commit to anything.
Swap USDC on Arbitrum to XMR on Monero. Better.
One deposit on Arbitrum, one direct payout on Monero. Non-custodial, no account, and the AI shows you the full price comparison before you commit.
EXCHANGE
Create an exchange
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
USDC → XMR
Live rateYou sendArbitrum
You getMonero
Destination
AIDo the same swap by just saying it: “Swap 100 USDC to XMR”→
How it works
Swap USDC to XMR in three steps.
No accounts, no waiting. Tell Cambio what you want, send your USDC, and the XMR lands in your wallet in under a minute.
02
Send USDC to the deposit address
Cambio generates a one-time deposit address on Arbitrum. Send your USDC there — Arbitrum confirms in seconds, and the card tracks every confirmation in real time.
03
XMR arrives on Monero
After confirmation, Cambio settles XMR straight to your destination address on Monero, which typically confirms in about 20 minutes. The receipt card shows the completed payout and the transaction hash.
Live comparison
On 100 USDC, Quickex pays the most on the board.
Live quotes from every exchange that answered, at exactly this size: USDC → XMR on MONERO
Send 100 USDC → Receive XMR (MONERO)
Minimum 5 USDC · maximum 15000 USDC per swap
Quickex Best
Quickex delivers the most here — 0.27% more than StealthEX, and it stated its network fee, so this figure is after that fee rather than before it.
You receive0.18964 XMRNetwork fee0.0025 XMRID checkKYC possibleTimenot stated
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | QuickexBest KYC possible | 0.18964 XMR | 0.0025 XMR | 1.59% | Best |
| 2 | StealthEX KYC rare | 0.18913 XMR | included | 1.85% | −0.0005036-0.27% |
| 3 | ChangeNOW KYC rare | 0.18223 XMR | not stated | 5.43% | −0.0074121-3.91% |
Network fee — a stated amount is what the exchange returned, and the figure shown is after it. “included” means the exchange’s own price already contains its network fee, not itemised. “not stated” means its API returned no fee, so that amount is a ceiling rather than a promise.
Every row is what that exchange would pay for this exact size, quoted live from its own API at the time shown and ranked by what lands in your wallet. The bar is each row’s all-in cost against the market rate at that moment, drawn to one scale — ours included.
Cambio has no row on this route: the swap runs at the best exchange above, at that exchange’s own price.
Every row is a live quote from that exchange’s own API at the time shown, for this exact size, as it would pay out through Cambio. Exchange names belong to their owners.
THIS CORRIDOR, IN NUMBERS
USDC on Arbitrum → XMR on Monero
What USDC → XMR actually costs
- You send 100 USDC on Arbitrum.
- You receive 0.18913459 XMR.
- The smallest swap this corridor accepts is 109.978 USDC.
Why this pair behaves the way it does
Arbitrum produces blocks several times a second, so the 20 confirmations Cambio waits for on your USDC pass almost immediately and the XMR payout is what you are actually waiting on.
XMR is Monero's own coin; the payout pays its cost from the amount itself.
Floor on Monero: 0.7%. Below that the corridor stops covering settlement.
XMR on Monero carries 12 decimals, so every amount on this page is quoted to that precision and no further.
How long USDC on Arbitrum takes to clear
Cambio waits 20 confirmations on Arbitrum, then sends the payout immediately. End to end this corridor typically takes 3–10 min.
What USDC on Arbitrum pays out on Monero at three sizes
Each row below was quoted on Arbitrum and compared against the same exchanges at that size. The XMR lands on Monero.
| You send | You receive | Per 1 USDC | Exchanges quoting | Best-to-worst gap | Our place |
|---|---|---|---|---|---|
| 100 USDC | 0.18963819 XMR | 0.0018963819 | 3 of 9 | 3.91% | not offered |
| 500 USDC | 0.95819097 XMR | 0.0019163819 | 4 of 9 | 2.41% | not offered |
| 1,500 USDC | 2.8796 XMR | 0.0019197153 | 4 of 9 | 2.48% | not offered |
What every exchange pays for USDC on Arbitrum, at three sizes
How much XMR each one delivers on Monero, quoted at the same moment for the same amounts. Rows marked est. are projected from a brand’s published commission rather than a live quote, and an exchange that beats us is shown beating us.
| XMR | 100 USDC | 500 USDC | 1,500 USDC |
|---|---|---|---|
| Quickex | 0.18963819 | 0.95819097 | 2.8796 |
| ChangeNOW | 0.1822261 | 0.9485187 | 2.8527 |
| StealthEX | 0.18913459 | 0.94802361 | 2.8452 |
| Godex | — | 0.93510712 | 2.8083 |
USDC on Arbitrum → XMR on Monero, in numbers
| Minimum | 109.978 USDC |
|---|---|
| Maximum | 15000 USDC |
| Commission floor | 0.7% |
| Confirmations | 20 on Arbitrum |
| Typical time | 3–10 min |
| XMR precision | 12 (XMR) |
| USDC contract on Arbitrum | 0xaf88d065e77c8cC2239327C5EDb3A432268e5831 |
| USDC precision | 6 (USDC) |
| For 1 USDC on Arbitrum | 0.0018963819 XMR |
| For 1 XMR on Monero | 527.319945 USDC |
| Smallest payout | 0.20856029 XMR |
| Largest payout | 28.4457 XMR |
The two coins
What you’re actually swapping.
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDC
Arbitrum ERC20 (Arbitrum)
USDC on Arbitrum is issuer-native USDC (not a bridged wrapper). The network confirms in seconds, with L2 fees — a fraction of Ethereum L1 gas — and Circle mints it directly on Arbitrum rather than bridging it over.
- NetworkArbitrum
- Confirmations needed20
- Average block timesub-second blocks
XMR
Monero native
XMR is the native asset of Monero. Sending XMR is an ordinary native transfer — no token approval, no contract interaction. Monero typically confirms in about 20 minutes, and deposits are subaddresses of one wallet, so nothing here derives a per-user key.
- NetworkMonero
- Confirmations needed20
- Typical payout confirmationtypically confirms in about 20 minutes
What you need to know
Before you swap USDC to XMR on Monero.
Numbers to check before you send — every one of them belongs to this corridor and was read off the panel, not written for the page.
| Smallest swap this corridor accepts | 5 USDC |
|---|---|
| Largest swap this corridor accepts | 15000 USDC |
| Exchanges quoting this route, by size | 3 of 9 at 100 USDC · 4 of 9 at 500 USDC · 4 of 9 at 1,500 USDC |
| Best-to-worst gap, by size | 3.91% at 100 USDC · 2.41% at 500 USDC · 2.48% at 1,500 USDC |
| Our place, by size | not offered at 100 USDC · not offered at 500 USDC · not offered at 1,500 USDC |
| Confirmations we wait for on Arbitrum | 20 |
| Typical time, deposit to payout | 3–10 min |
Questions
USDC to XMR on Monero — frequently asked.
Is this a bridge swap?
No. Your USDC goes to a Cambio deposit address on Arbitrum as an ordinary transfer, and you receive XMR on Monero as an ordinary Monero transaction. No bridge contract, no wrapped assets, no cross-chain messages.
How long does the swap take?
The deposit side on Arbitrum confirms in seconds; the payout on Monero typically confirms in about 20 minutes. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.
Do I need to verify my identity?
No account or sign-up is needed. Every swap is screened against sanctions and on-chain risk lists before a deposit address is issued; in line with applicable law and our risk-based AML policy, identity verification may be requested where screening flags elevated risk.
What is the maximum I can swap?
The maximum is set live by the exchanges quoting this pair, not by a fixed Cambio cap. The live card shows the exact minimum and maximum at the moment you quote, before any deposit address is issued.
Can I receive the XMR into an exchange account?
Yes — on the exchange’s deposit screen pick XMR and make sure the network is Monero, then paste that deposit address into the Cambio composer as your destination. If the network on the exchange side doesn’t match, don’t send — ask the AI and it will walk you through it.
Why use Cambio for this pair?
Every quote ships with a live comparison against the biggest instant exchanges — including when we lose — and the number on the card is the number that settles. Pricing is chain-aware, the route has no bridge exposure, and screening happens before your deposit, never after.
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