01
Tell Cambio what you want
Type "swap 100 USDT to USDC on BSC" into the composer. The AI parses your intent, confirms Ethereum as the source and BSC as the destination, and returns a live quote with the full competitor comparison alongside it.
Swap USDT on Ethereum to USDC on BSC. Better.
One deposit on Ethereum, one direct payout on BSC. 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.
USDT → USDC
Live rateYou sendEthereum
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 deposit address
Cambio generates a one-time deposit address on Ethereum. Send your USDT there — Ethereum confirms in well under a minute, and the card tracks every confirmation in real time.
03
USDC arrives on BSC
Once your deposit confirms, the payout goes out to your BSC address directly — BNB Smart Chain confirms in seconds. No bridge hop, no wrapped assets, no waiting on a second protocol.
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 | StealthEX KYC rare | 98.7203 USDC | included | 1.28% | −0.6798-0.68% |
| 4 | SimpleSwap KYC rare | 98.7202 USDC | included | 1.28% | −0.6798-0.68% |
| 5 | ChangeNOW KYC rare | 98.5813 USDC | not stated | 1.42% | −0.8188-0.82% |
| 6 | SideShift.ai KYC possible | 98.0185 USDC | not stated | 1.98% | −1.3815-1.39% |
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 Ethereum → USDC on BNB Smart Chain
What USDT → USDC actually costs
- You send 100 USDT on Ethereum.
- You receive 99.400076 USDC.
- The smallest swap this corridor accepts is 3.3 USDT.
Why this pair behaves the way it does
Ethereum confirms in seconds per block, and 4 confirmations is enough to make a reorganisation impractical without leaving your USDT sitting there.
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 Ethereum and USDC on BNB Smart Chain
USDT and USDC both track the dollar, but they are separate tokens on separate chains — USDT issued on Ethereum, USDC issued on BNB Smart Chain.
Worth checking before you send: on Ethereum the token is 0xdAC17F958D2ee523a2206206994597C13D831ec7, and the USDC you receive on BNB Smart Chain is 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d.
Ethereum 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 Ethereum, receive USDC on BNB Smart Chain, no account.
How long USDT on Ethereum takes to clear
Cambio waits 4 confirmations on Ethereum, then sends the payout immediately. End to end this corridor typically takes ~5 min.
USDT on Ethereum → USDC on BNB Smart Chain, in numbers
| Minimum | 3.3 USDT |
|---|---|
| Maximum | 15000 USDT |
| Commission floor | 0.35% |
| Confirmations | 4 on Ethereum |
| Typical time | ~5 min |
| USDC precision | 18 (USDC) |
| USDT contract on Ethereum | 0xdAC17F958D2ee523a2206206994597C13D831ec7 |
| USDC contract on BNB Smart Chain | 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d |
| USDT precision | 6 (USDT) |
| For 1 USDT on Ethereum | 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
Ethereum ERC20
USDT on Ethereum is the most widely accepted USDT there is. The network confirms in well under a minute, with gas is the price of L1 — it rises when the chain is busy — and acceptance is maximal, with L1 gas applying whenever you move it.
- NetworkEthereum
- Confirmations needed4
- Average block time~12-second blocks
USDC
BNB Smart Chain BEP20
This is BEP20 USDC: regulated-issuer dollars from Circle. On BNB Smart Chain it confirms in seconds, and you get Circle-issued USDC with BSC's low fees.
- NetworkBNB Smart Chain
- Confirmations needed4
- Typical payout confirmationconfirms in seconds
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 | 1.20% at 100 USDT |
| Our place, by size | 1 of 6 at 100 USDT |
| Confirmations we wait for on Ethereum | 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.
Is this a bridge swap?
No. Your USDT goes to a Cambio deposit address on Ethereum as an ordinary transfer, and you receive USDC on BSC as an ordinary BSC transaction. No bridge contract, no wrapped assets, no cross-chain messages.
How long does the swap take?
The deposit side on Ethereum confirms in well under a minute; the payout on BNB Smart Chain confirms in seconds. 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?
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 receive the USDC into an exchange account?
Yes — on the exchange’s deposit screen pick USDC and make sure the network is BNB Smart Chain (BEP20), 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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