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.
Comparison vs the biggest aggregators — live rates where available, their published commissions (· est.) otherwise: XMR → USDC on ARBITRUM
And that is only the half both quotes show you. The withdrawal fee is in neither number, and most exchanges do not publish theirs — which is why it appears below as a hatched mark and never as a figure. Ours on Arbitrum is zero.
The solid segment is the commission, drawn to scale. The hatched mark carries no length at all — it sits outside the bar, at the same fixed width on every row, and means only that a withdrawal fee exists there and its size is not published. It is never a figure and never an estimate, and nothing on the commission scale can be read off it.
Commission and effective rate are the same fact, so we claim it once. Add the withdrawal fee and you have the whole bill: ours is zero on Arbitrum, because a payout there costs a fraction of a cent and we do not mark it up.
For every other exchange in this table the second half of the bill is not in the quote you are shown, and we have not measured it — so we will not print a number under their name, and we will not draw one either.
A row tagged · est. is projected from that exchange’s own published commission rather than read off a quote; the line under each name says which it is.
Below $2,494 the withdrawal fee decides the outcome; above it the rate does. Saying it the other way round would be false, and we would rather tell you where our own argument stops.
20 confirmations on Monero — the longest deposit wait Cambio supports.
0.00000316212 USDC to deliver on Arbitrum — a fraction of a cent, so the minimum here is only 0.00216 XMR.
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 1–2 min.
| Minimum | 0.00216 XMR |
|---|---|
| Maximum | 2.3156 XMR |
| Delivery fee | 0.00000316212 USDC (a fraction of a cent) |
| Cambio commission | 0.35% |
| Commission floor | 0.35% |
| Confirmations | 20 on Monero |
| Typical time | 1–2 min |
| USDC precision | 6 (USDC) |
| USDC contract on Arbitrum | 0xaf88d065e77c8cC2239327C5EDb3A432268e5831 |
| XMR precision | 12 (XMR) |
| For 1 XMR on Monero | 461.399 USDC |
| For 1 USDC on Arbitrum | 0.0021673216 XMR |
| Smallest payout | 0.99616044 USDC |
| Largest payout | 1,068.42 USDC |
| Delivery fee at the minimum | 0.000317% |
0.00216 XMR. The floor is set by what delivering USDC on Arbitrum costs — 0.00000316212 USDC — and Cambio will not quote a swap where the delivery fee would take more than a tenth of the payout.
20 on Monero. The payout is sent immediately after, so the wait you experience is the confirmation wait, not queueing on Cambio's side.
0.00000316212 USDC. It is charged at what the transfer actually costs on Arbitrum rather than marked up, and it is deducted before the figure you are shown — the number on this page is what lands in your wallet.
Yes, within the quote's window — the 0.35% commission and the 0.00000316212 USDC delivery fee are already taken out of it, so the figure you see is what reaches your Arbitrum wallet.
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.
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.
USD 1,000 per swap during the launch window, enforced before a deposit address is issued. The live card shows the exact minimum and maximum for this pair at the moment you quote.
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 342 active launch-scope pairs. Each one has its own page with live rates, competitor comparison, and chain-specific notes.
