A conversation instead of a form: quote it, compare it live, execute it. Your USDC settles directly on Ethereum.
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
USDT → USDC
Live rateNo accounts, no waiting. Tell Cambio what you want, send your USDT, and the USDC lands in your wallet in under a minute.
Type "swap 100 USDT to USDC on Ethereum" into the composer. The AI parses your intent, confirms Arbitrum as the source and Ethereum as the destination, and returns a live quote with the full competitor comparison alongside it.
Cambio generates a one-time deposit address on Arbitrum. Send your USDT there — Arbitrum confirms in seconds, and the card tracks every confirmation in real time.
Once your deposit confirms, the payout goes out to your Ethereum address directly — Ethereum confirms in well under a minute. No bridge hop, no wrapped assets, no waiting on a second protocol.
Live quotes from every exchange that answered, at exactly this size: USDT → USDC on ETHEREUM
ChangeNOW delivers the most here — 0.09% more than Cambio, but it has not stated its network fee, so that figure is a ceiling rather than a promise. Cambio is 0.08% behind on paper and is one of the few whose number we can confirm.
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | ChangeNOWBest KYC rare | 98.8841 USDC | not stated | 1.12% | Best |
| 2 | Cambio KYC rare~5 min | 98.8001 USDC | 0.8 USDC | 1.20% | −0.0840-0.09% |
| 3 | StealthEX KYC rare | 98.3466 USDC | included | 1.65% | −0.5375-0.54% |
| 4 | ChangeHero KYC possible | 98.2292 USDC | 0.5 USDC | 1.77% | −0.6550-0.66% |
| 5 | SimpleSwap KYC rare | 98.1724 USDC | included | 1.83% | −0.7117-0.72% |
| 6 | SideShift.ai KYC possible | 97.9805 USDC | not stated | 2.02% | −0.9036-0.91% |
| 7 | Quickex KYC possible | 93.7800 USDC | 5.5000 USDC | 6.22% | −5.1041-5.16% |
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 was behind the best rate at this check — and we show it anyway. Every quote is compared live, and the number on the card is the number that settles.
Arbitrum produces blocks several times a second, so the 20 confirmations Cambio waits for on your USDT pass almost immediately and the USDC payout is what you are actually waiting on.
USDC on Ethereum is a token, so sending it also needs Ethereum's own coin for gas. Cambio funds that separately, which is why the USDC side is capped by what the wallet holds rather than by a policy number.
Floor on Ethereum: 0.455%. Below that the corridor stops covering settlement.
USDC on Ethereum carries 6 decimals, so every amount on this page is quoted to that precision and no further.
USDT and USDC both track the dollar, but they are separate tokens on separate chains — USDT issued on Arbitrum, USDC issued on Ethereum.
Worth checking before you send: on Arbitrum the token is 0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9, and the USDC you receive on Ethereum is 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48.
Arbitrum needs 20 confirmations before Cambio releases your USDC; that wait, not the Ethereum payout, is what you spend time on.
People move a dollar token between chains to reach something only one side has: a protocol, an exchange deposit, or a cheaper onward transfer. Cambio does it as a swap — send USDT on Arbitrum, receive USDC on Ethereum, no account.
Cambio waits 20 confirmations on Arbitrum, then sends the payout immediately. End to end this corridor typically takes ~5 min.
| Minimum | 110 USDT |
|---|---|
| Maximum | 15000 USDT |
| Commission floor | 0.455% |
| Confirmations | 20 on Arbitrum |
| Typical time | ~5 min |
| USDC precision | 6 (USDC) |
| USDT contract on Arbitrum | 0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9 |
| USDC contract on Ethereum | 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 |
| USDT precision | 6 (USDT) |
| For 1 USDT on Arbitrum | 0.98800076 USDC |
| For 1 USDC on Ethereum | 1.01214497 USDT |
| Smallest payout | 108.6801 USDC |
| Largest payout | 14,820.01 USDC |
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDT on Arbitrum is dollar-pegged USDT in the Ethereum ecosystem at rollup fees. The network confirms in seconds, with L2 fees — a fraction of Ethereum L1 gas — and you get Ethereum-ecosystem USDT without paying L1 gas.
USDC on Ethereum is the canonical, issuer-native USDC. The network confirms in well under a minute, with gas is the price of L1 — it rises when the chain is busy — and this is the issuer-native home of USDC.
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 USDT |
|---|---|
| Largest swap this corridor accepts | 15000 USDT |
| Exchanges quoting this route, by size | 6 of 9 at 100 USDT |
| Best-to-worst gap, by size | 5.16% at 100 USDT |
| Our place, by size | 2 of 7 at 100 USDT |
| Confirmations we wait for on Arbitrum | 20 |
| Typical time, deposit to payout | ~5 min |
| USDC contract on Ethereum | 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 |
No. Your USDT goes to a Cambio deposit address on Arbitrum as an ordinary transfer, and you receive USDC on Ethereum as an ordinary Ethereum transaction. No bridge contract, no wrapped assets, no cross-chain messages.
The deposit side on Arbitrum confirms in seconds; the payout on Ethereum confirms in well under a minute. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.
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.
There is no fixed per-swap cap. The most you can send on this pair is shown in the table above and recalculated on every quote, so it always reflects what we can settle right now.
Yes — on the exchange’s deposit screen pick USDC and make sure the network is Ethereum (ERC20), 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.
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.
All from the 62,231 active launch-scope pairs. Each one has its own page with live rates, competitor comparison, and chain-specific notes.
