01
Tell Cambio what you want
Type "swap 100 USDT to USDC on BSC" into the composer. The AI parses your intent, confirms BSC on both sides, and returns a live quote with the chain-aware spread floor (0.30% on BSC) within 200 milliseconds.
Swap USDT to USDC on BSC. Better.
Tell Cambio what you want — AI finds the best route to swap your USDT to USDC on BNB Smart Chain.
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.
USDT → USDC
Live rateYou sendBNB Smart Chain
You getBNB Smart Chain
Destination
AIDo the same swap by just saying it: “Swap 100 USDT to USDC”→
How it works
Swap USDT to USDC in three steps.
No accounts, no waiting. Tell Cambio what you want, send your USDT, and the USDC lands in your wallet in under a minute.
02
Send USDT to the BSC deposit address
Cambio generates a one-time BSC deposit address for your order. Send your USDT to that address using the BEP20 contract. You need a small amount of BNB in your source wallet to pay gas — typically a few cents worth.
03
USDC arrives on BSC
Once your USDT deposit confirms (about 3 seconds on BSC), Cambio settles the swap non-custodially and sends BEP20 USDC to your destination wallet. Same-chain swaps stay on BSC end-to-end — no bridge, no second chain.
Live comparison
On 100 USDT you get 0.1899 USDC more with Cambio.
Live quotes from every exchange that answered, at exactly this size: USDT → USDC on BSC
Send 100 USDT → Receive USDC (BEP20)
Minimum 5 USDT · maximum 15000 USDT per swap
Cambio Best
Cambio delivers the most here — 0.19% more than ChangeHero, and it stated its network fee, so this figure is after that fee rather than before it. It is also the fastest, at about 5 minutes.
You receive99.4001 USDCNetwork fee0.2 USDCID checkKYC rareTime~5 min
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | CambioBest KYC rare~5 min | 99.4001 USDC | 0.2 USDC | 0.60% | Best |
| 2 | ChangeHero KYC possible | 99.2101 USDC | 0.01 USDC | 0.79% | −0.1899-0.19% |
| 3 | ChangeNOW KYC rare | 99.0656 USDC | not stated | 0.93% | −0.3344-0.34% |
| 4 | SimpleSwap KYC rare | 98.7745 USDC | included | 1.23% | −0.6256-0.63% |
| 4 | StealthEX KYC rare | 98.7745 USDC | included | 1.23% | −0.6256-0.63% |
| 6 | SideShift.ai KYC possible | 98.0993 USDC | not stated | 1.90% | −1.3008-1.31% |
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.
+19 bps
advantage over the next-best aggregator.
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
USDT on BNB Smart Chain → USDC on BNB Smart Chain
What USDT → USDC actually costs
- You send 100 USDT on BNB Smart Chain.
- You receive 99.400076 USDC.
- The smallest swap this corridor accepts is 3.3 USDT.
Why this pair behaves the way it does
BNB Smart Chain produces blocks several times a second, so the 4 confirmations Cambio waits for on your USDT pass almost immediately and the USDC payout is what you are actually waiting on.
USDC on BNB Smart Chain is a token, so sending it also needs BNB Smart Chain'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 BNB Smart Chain: 0.35%. Below that the corridor stops covering settlement.
USDC on BNB Smart Chain carries 18 decimals, so every amount on this page is quoted to that precision and no further.
USDT on BNB Smart Chain and USDC on BNB Smart Chain
USDT and USDC both track the dollar, but they are separate tokens on separate chains — USDT issued on BNB Smart Chain, USDC issued on BNB Smart Chain.
Worth checking before you send: on BNB Smart Chain the token is 0x55d398326f99059fF775485246999027B3197955, and the USDC you receive on BNB Smart Chain is 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d.
BNB Smart Chain needs 4 confirmations before Cambio releases your USDC; that wait, not the BNB Smart Chain 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 BNB Smart Chain, receive USDC on BNB Smart Chain, no account.
How long USDT on BNB Smart Chain takes to clear
Cambio waits 4 confirmations on BNB Smart Chain, then sends the payout immediately. End to end this corridor typically takes ~5 min.
USDT on BNB Smart Chain → USDC on BNB Smart Chain, in numbers
| Minimum | 3.3 USDT |
|---|---|
| Maximum | 15000 USDT |
| Commission floor | 0.35% |
| Confirmations | 4 on BNB Smart Chain |
| Typical time | ~5 min |
| USDC precision | 18 (USDC) |
| USDT contract on BNB Smart Chain | 0x55d398326f99059fF775485246999027B3197955 |
| USDC contract on BNB Smart Chain | 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d |
| USDT precision | 18 (USDT) |
| For 1 USDT on BNB Smart Chain | 0.99400076 USDC |
| For 1 USDC on BNB Smart Chain | 1.00603545 USDT |
| Smallest payout | 3.2802 USDC |
| Largest payout | 14,910.01 USDC |
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.
USDT (BEP20)
Tether on BSC
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.
- NetworkBNB Smart Chain (BEP20)
- Contract address0x55d398326f99059fF775485246999027B3197955
- Confirmations needed4
- Decimals18
USDC (BEP20)
USD Coin on BSC
USDC is a US-dollar-pegged stablecoin issued by Circle. The BEP20 version lives on BNB Smart Chain and is widely accepted by exchanges and DeFi protocols. USDC is structured with somewhat tighter regulatory disclosures than USDT, which matters for some counterparties; the dollar value is the same.
- Network at this pairBNB Smart Chain (BEP20)
- Contract address0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d
- Confirmations needed4
- Decimals18
What you need to know
Before you swap USDT to USDC on BNB Smart Chain.
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 | 5 of 9 at 100 USDT |
| Best-to-worst gap, by size | 1.12% at 100 USDT |
| Our place, by size | 1 of 6 at 100 USDT |
| Confirmations we wait for on BNB Smart Chain | 4 |
| Typical time, deposit to payout | ~5 min |
| USDC contract on BNB Smart Chain | 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d |
Questions
USDT to USDC on BNB Smart Chain — frequently asked.
Why would I swap USDT for USDC instead of just using either one?
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.
How long does the swap take?
Usually under 30 seconds end-to-end. BSC confirms in about 3 seconds, and Cambio settles and pays out immediately on detection. Both legs stay on BSC, so there is no cross-chain delay.
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; 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?
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.
Can I do the same swap on Ethereum or Tron?
On Ethereum, yes — USDT (ERC20) and USDC (ERC20) are both available, see the Ethereum stablecoin pairs in the launch scope. On Tron, no — USDC is not yet supported on Tron in Cambio's launch scope. If you need TRC20 USDC, you would need to cross to a chain where it is supported first.
Why is Cambio cheaper than ChangeNow or SimpleSwap on this pair?
Tight chain-aware spread (0.30% floor on BSC), live-market pricing, and a live competitor strip on every quote. Stablecoin-variant pairs are essentially zero-FX-risk for us, so the spread can stay near the floor on most quotes.
Other swaps
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