A conversation instead of a form: quote it, compare it live, execute it. Your USDC settles directly on Arbitrum.
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
XMR → USDC
Live rateNo accounts, no waiting. Tell Cambio what you want, send your XMR, and the USDC lands in your wallet in under a minute.
Type "swap 1 XMR to USDC on Arbitrum" into the composer. The AI parses your intent, confirms Monero as the source and Arbitrum as the destination, and returns a live quote with the full competitor comparison alongside it.
You get a single-use Monero deposit address. One ordinary transfer of XMR — the network typically confirms in about 20 minutes — and the status card walks through detection and confirmation as it happens.
Once your deposit confirms, the payout goes out to your Arbitrum address directly — Arbitrum confirms in seconds. No bridge hop, no wrapped assets, no waiting on a second protocol.
Live quotes from every exchange that answered, at exactly this size: XMR → USDC on ARBITRUM
ChangeHero delivers the most here — 0.22% more than Quickex, and it stated its network fee, so this figure is after that fee rather than before it.
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | ChangeHeroBest KYC possible | 101.5806 USDC | 0.01 USDC | 1.44% | Best |
| 2 | Quickex KYC possible | 101.3600 USDC | 1.0000 USDC | 1.66% | −0.2206-0.22% |
| 3 | StealthEX KYC rare | 101.1036 USDC | included | 1.91% | −0.4770-0.47% |
| 4 | SimpleSwap KYC rare | 98.9182 USDC | included | 4.03% | −2.6624-2.62% |
| 5 | ChangeNOW KYC rare | 98.6859 USDC | not stated | 4.25% | −2.8946-2.85% |
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.
20 confirmations on Monero — the longest deposit wait Cambio supports.
USDC on Arbitrum is a token, so sending it also needs Arbitrum'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 Arbitrum: 0.35%. Below that the corridor stops covering settlement.
USDC on Arbitrum carries 6 decimals, so every amount on this page is quoted to that precision and no further.
Cambio waits 20 confirmations on Monero, then sends the payout immediately. End to end this corridor typically takes 3–10 min.
Each row below was quoted on Monero and compared against the same exchanges at that size. The USDC lands on Arbitrum.
| You send | You receive | Per 1 XMR | Exchanges quoting | Best-to-worst gap | Our place |
|---|---|---|---|---|---|
| 0.2 XMR | 101.5806 USDC | 507.902916 | 5 of 9 | 2.85% | not offered |
| 1 XMR | 504.882 USDC | 504.882016 | 5 of 9 | 1.23% | not offered |
| 4 XMR | 2,019.59 USDC | 504.897016 | 5 of 9 | 0.76% | not offered |
How much USDC each one delivers on Arbitrum, 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.
| USDC | 0.2 XMR | 1 XMR | 4 XMR |
|---|---|---|---|
| ChangeHero | 101.5806 | 504.882 | 2,019.59 |
| ChangeNOW | 98.6859 | 503.5303 | 2,015.72 |
| StealthEX | 101.1036 | 501.84 | 2,010.36 |
| LetsExchange | — | 500.81 | 2,006.26 |
| SimpleSwap | 98.9182 | 498.6966 | 2,004.32 |
| Minimum | 0.214 XMR |
|---|---|
| Maximum | 28.7819 XMR |
| Commission floor | 0.35% |
| Confirmations | 20 on Monero |
| Typical time | 3–10 min |
| USDC precision | 6 (USDC) |
| USDC contract on Arbitrum | 0xaf88d065e77c8cC2239327C5EDb3A432268e5831 |
| XMR precision | 12 (XMR) |
| For 1 XMR on Monero | 507.902916 USDC |
| For 1 USDC on Arbitrum | 0.0019688802 XMR |
| Smallest payout | 108.579 USDC |
| Largest payout | 14,618.43 USDC |
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
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.
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.
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 | 0.00959 XMR |
|---|---|
| Largest swap this corridor accepts | 28.7819 XMR |
| Exchanges quoting this route, by size | 5 of 9 at 0.2 XMR · 5 of 9 at 1 XMR · 5 of 9 at 4 XMR |
| Best-to-worst gap, by size | 2.85% at 0.2 XMR · 1.23% at 1 XMR · 0.76% at 4 XMR |
| Our place, by size | not offered at 0.2 XMR · not offered at 1 XMR · not offered at 4 XMR |
| Confirmations we wait for on Monero | 20 |
| Typical time, deposit to payout | 3–10 min |
| USDC contract on Arbitrum | 0xaf88d065e77c8cC2239327C5EDb3A432268e5831 |
No. Your XMR goes to a Cambio deposit address on Monero as an ordinary transfer, and you receive USDC on Arbitrum as an ordinary Arbitrum transaction. No bridge contract, no wrapped assets, no cross-chain messages.
The deposit side on Monero typically confirms in about 20 minutes; the payout on Arbitrum confirms in seconds. 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.
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.
Yes — on the exchange’s deposit screen pick USDC and make sure the network is Arbitrum (ERC20 (Arbitrum)), 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.
