USDT → USDC

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rate type

Floating Fixed

Market-rate quotes (may change before execution).

root@notkyc:~$ rates cached for everyone · ttl 60s · 0s

#	Exchange	Score	No-KYC record?	Rate	You receive (1 USDT)	Limits (USDT)
1	OctoSwap BEST	A priv 87trust 70	// no on-platform swaps yet	1 USDT = 0.999201 USDC	0.999201 USDC	min 7000 · max 1200000	swap on notkyc	swap on OctoSwap →
2	FixedFloat	D priv 45trust 67	0/1 KYC-free	1 USDT = 0.9942 USDC	0.9942 USDC	min 10.384 · max 135787.255	swap on notkyc	swap on FixedFloat →
3	XMRS	C priv 61trust 71	6/6 KYC-free	1 USDT = 0.9793 USDC	0.9793 USDC	min 100 · max 1000000	swap on notkyc	swap on XMRS →
4	SideShift	C priv 48trust 78	—	1 USDT = 0.97608617 USDC	0.97608617 USDC	min 27.36 · max 60000		swap on SideShift →

OctoSwap BEST A

Rate1 USDT = 0.999201 USDC

You receive0.999201 USDC

Limitsmin 7000 · max 1200000 USDT

swap on notkyc swap on OctoSwap →

FixedFloat D

Rate1 USDT = 0.9942 USDC

You receive0.9942 USDC

Limitsmin 10.384 · max 135787.255 USDT

swap on notkyc swap on FixedFloat →

XMRS C

Rate1 USDT = 0.9793 USDC

You receive0.9793 USDC

Limitsmin 100 · max 1000000 USDT

swap on notkyc swap on XMRS →

SideShift C

Rate1 USDT = 0.97608617 USDC

You receive0.97608617 USDC

Limitsmin 27.36 · max 60000 USDT

swap on SideShift →

Swapping USDT to USDC is a stablecoin-to-stablecoin rotation, usually driven by counterparty risk preference rather than price exposure. Tether's reserves and USDC's attestation model differ, and some venues, lenders, or DeFi protocols pay better yield or accept only one of them. Doing it through a no-KYC aggregator lets you rotate dollar value across issuers without identity checks, account freezes, or the on-chain footprint of a centralized exchange withdrawal.

// about this pair

What makes USDT -> USDC specific

Both assets are dollar-pegged ERC20-style tokens, so the 'rate' should sit extremely close to 1:1. Real cost lives in the spread (typically 0.1% to 0.6% on aggregators), the network fee, and any service margin. Liquidity is deep on every major chain, which means slippage is rarely the problem - network selection and issuer policy are.

Network compatibility is the single biggest decision. USDT lives on Tron (TRC20), Ethereum (ERC20), Solana, BSC, Arbitrum, Polygon, and others. USDC has its own footprint, heavy on Ethereum, Solana, Base, Arbitrum, and Polygon, with native issuance via Circle's CCTP on supported chains. Notably, USDC is no longer natively issued on Tron, so a TRC20 USDT -> USDC swap will exit Tron entirely and land on a different chain. Plan the destination wallet accordingly.

Choosing a route for this pair

Match networks to your end use: if the USDC is going into a Solana protocol, swap directly to USDC on Solana rather than bridging later.
Check min/max limits - stablecoin pairs often have higher minimums because fixed network fees eat small amounts.
Prefer floating rates for speed, fixed rates if you want a locked quote during a busy mempool window.
Confirm the refund address policy before sending - if a deposit arrives outside the rate-lock window, you want a clear refund path.

Practical tips: avoid swapping ERC20 USDT during gas spikes (fees can exceed the spread), size amounts so the network fee stays under ~0.2% of value, and verify the deposit address belongs to the chain you actually selected. A wrong-network send between USDT variants is the most common loss on this pair. For larger sizes, split into two transactions to test the route before committing the full amount.

// FAQ

Why swap USDT to USDC if both are worth a dollar?

Issuer risk diversification is the main reason. Tether and Circle have different reserve compositions, banking partners, and regulatory exposure. Some DeFi protocols, custodians, or OTC desks accept only one. Traders also rotate when one stablecoin temporarily depegs or trades at a premium on a specific venue, capturing a few basis points on size.

Which network is cheapest for this swap?

TRC20 USDT in is usually the cheapest deposit (sub-dollar fees), but USDC does not exist natively on Tron, so the output will be on another chain. If you need USDC on Ethereum, sending ERC20 USDT keeps it simple but gas can be high. Solana, Base, Arbitrum, and Polygon offer low fees on both sides.

What rate should I expect for USDT -> USDC?

Expect an effective rate between 0.994 and 0.999 USDC per USDT after spread and service fee, before network costs. Anything worse than ~0.99 suggests the venue is padding margin or the pool is thin. Compare at least three quotes - on stablecoin pairs, small rate differences matter more than on volatile pairs.

Can I send USDT on one chain and receive USDC on another?

Yes, most aggregated swap services handle cross-chain routing internally. You pick the deposit network for USDT and the receive network for USDC independently. This is often cheaper than swapping same-chain and then bridging manually, since the service absorbs the bridge step into one quote.

Is there a depeg risk during the swap?

Briefly, yes. If the quote uses a floating rate and either stablecoin moves during confirmation, the final amount adjusts. In normal markets the move is negligible. During stress events (banking news, redemption pauses), spreads widen sharply - use a fixed-rate quote in those conditions, even though it costs slightly more.

Are stablecoin swaps reversible if I send to the wrong address?

No. On-chain transfers of USDT and USDC are final once confirmed. However, both Tether and Circle can freeze addresses at the contract level under legal request, which is not recovery - it is just locking the funds. Always verify the deposit address and selected network before broadcasting, especially across chain variants.

// related