01
Tell Cambio what you want
Type "swap 1 XMR to USDC on BSC" into the composer. The AI parses your intent, confirms Monero as the source and BSC as the destination, and returns a live quote with the full competitor comparison alongside it.
Swap XMR on Monero to USDC on BSC. Better.
A conversation instead of a form: quote it, compare it live, execute it. Your USDC settles directly on BSC.
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.
XMR → USDC
Live rateYou sendMonero
You getBNB Smart Chain
Destination
AIDo the same swap by just saying it: “Swap 0.2 XMR to USDC”→
How it works
Swap XMR to USDC in three steps.
No accounts, no waiting. Tell Cambio what you want, send your XMR, and the USDC lands in your wallet in under a minute.
02
Send XMR to the deposit address
Cambio generates a one-time deposit address on Monero. Send your XMR there — Monero typically confirms in about 20 minutes, 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 0.2 XMR you get 0.0463 USDC more with Cambio.
Comparison vs the biggest aggregators — live rates where available, their published commissions (· est.) otherwise: XMR → USDC on BSC
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 The withdrawal fee is in neither number, and most exchanges do not publish theirs — which is why it appears below as a hatched mark and never as a figure.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 BNB Smart Chain is zero.
Send 0.2 XMR → Receive USDC (BEP20)
Minimum 0.00216 XMR · maximum 2.5203 XMR per swap
CambioBest
You receive
92.2798 USDC
Effective rate 461.40
What it costs you
0.35% commissionno withdrawal fee
vs best rival
+0.05%
+0.046302 USDC
Compared against
You receive
What it costs you
vs us
SimpleSwap · est.
projected from this exchange’s published commission
You receive92.2335 USDC
What it costs you
0.40% commission+ withdrawal fee, not published
−0.05%
−0.046302 USDC
StealthEX · est.
projected from this exchange’s published commission
You receive92.1872 USDC
What it costs you
0.45% commission+ withdrawal fee, not published
−0.10%
−0.092604 USDC
ChangeNOW · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
FixedFloat · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
Swapter · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
Alfacash · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
StreamX · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
ChangeHero · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
EasyBit · est.
projected from this exchange’s published commission
You receive92.1409 USDC
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.13891 USDC
our commissiontheir commissionwithdrawal fee — exists; size not published, width not to scaleno withdrawal fee — ours, on this corridor
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 BNB Smart Chain, 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.
Rates from Bestchange · Updated every 5 minutes · Trademarks property of their respective owners
THIS CORRIDOR, IN NUMBERS
XMR on Monero → USDC on BNB Smart Chain
What XMR → USDC actually costs
- You send 0.2 XMR on Monero.
- Cambio's commission is 0.35% of the amount, taken from the rate rather than added on top.
- Delivering USDC on BNB Smart Chain costs 0.0000039 USDC, about a fraction of a cent at today's price.
- You receive 92.2798 USDC.
- The smallest swap this corridor accepts is 0.00216 XMR — ten times the 0.0000039 USDC delivery fee, because below that the fee would take most of the USDC you receive.
Why this pair behaves the way it does
20 confirmations on Monero — the longest deposit wait Cambio supports.
0.0000039 USDC to deliver on BNB Smart Chain — a fraction of a cent, so the minimum here is only 0.00216 XMR.
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.
How long XMR on Monero takes to clear
Cambio waits 20 confirmations on Monero, then sends the payout immediately. End to end this corridor typically takes 1–2 min.
XMR on Monero → USDC on BNB Smart Chain, in numbers
| Minimum | 0.00216 XMR |
|---|---|
| Maximum | 2.5203 XMR |
| Delivery fee | 0.0000039 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 | 18 (USDC) |
| USDC contract on BNB Smart Chain | 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d |
| XMR precision | 12 (XMR) |
| For 1 XMR on Monero | 461.399 USDC |
| For 1 USDC on BNB Smart Chain | 0.0021673216 XMR |
| Smallest payout | 0.99616044 USDC |
| Largest payout | 1,162.87 USDC |
| Delivery fee at the minimum | 0.000392% |
What is the minimum for XMR → USDC on BNB Smart Chain?
0.00216 XMR. The floor is set by what delivering USDC on BNB Smart Chain costs — 0.0000039 USDC — and Cambio will not quote a swap where the delivery fee would take more than a tenth of the payout.
How many confirmations does a XMR deposit need?
20 on Monero. The payout is sent immediately after, so the wait you experience is the confirmation wait, not queueing on Cambio's side.
What delivery fee applies to USDC on BNB Smart Chain?
0.0000039 USDC. It is charged at what the transfer actually costs on BNB Smart Chain 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.
Is the XMR → USDC rate shown here the rate I get?
Yes, within the quote's window — the 0.35% commission and the 0.0000039 USDC delivery fee are already taken out of it, so the figure you see is what reaches your BNB Smart Chain wallet.
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.
XMR
Monero native
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.
- NetworkMonero
- Confirmations needed1
- Average block time~2-minute blocks
- Network fee profilelow network fees that vary with transaction size
USDC
BNB Smart Chain BEP20
USDC on BNB Smart Chain is regulated-issuer dollars from Circle. The network confirms in seconds, with consistently low network fees — and you get Circle-issued USDC with BSC's low fees.
- NetworkBNB Smart Chain
- Confirmations needed1
- Typical payout confirmationconfirms in seconds
- Payout network feepaid by Cambio out of the payout
What you need to know
Before you swap XMR to USDC on BNB Smart Chain.
Not a bridge — direct settlement. Cross-network swaps on Cambio never route through a bridge. Your XMR deposit stays an ordinary Monero transaction, and the USDC payout is an ordinary BSC transaction. The two chains never exchange messages, so there is no bridge contract to trust and no wrapped representation of your asset.
Destination must be a BSC address. The payout address you provide must be a BSC address (BEP20). Addresses from other networks will fail validation in the composer before anything is sent — Cambio checks the address family against the destination network so a mistake stops at the form, not on-chain.
Cambio pays the payout network fee. The BSC network fee for delivering your USDC is paid out of the quoted amount — what the card shows as "you receive" is what actually arrives. No surprise deductions after the fact.
Per-swap cap: USD 1,000. Cambio’s launch window caps every swap at USD 1,000. Above the cap the request is refused outright rather than silently split — the card tells you before any deposit address is issued.
Screened before you send. Cambio runs its checks before a deposit address is ever issued. If a swap cannot complete, it never starts — there is no "funds under review" limbo after the fact.
What USDC on BSC is good for. BNB Smart Chain is cheap to move tokens onward from. If your next move is sending the USDC onward — to an exchange, a wallet, or a counterparty — the destination network’s fee profile is part of the choice, and it’s one the AI will happily talk through before you swap.
Questions
XMR to USDC on BNB Smart Chain — frequently asked.
Does this route use a bridge?
No. Your XMR goes to a Cambio deposit address on Monero 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 Monero typically confirms in about 20 minutes; 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.
Is there sign-up or KYC?
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?
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.
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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