The deposit
USDC uses a different contract on every network. Confirm that the receiving wallet or exchange has Ethereum selected before copying its address.
BitcoinEthereum
Swap BTC to USDC on Ethereum — no account
Convert bitcoin to USDC and hold dollars in your own Ethereum wallet. Send native BTC to a one-time deposit address, and Circle-issued USDC on Ethereum is paid to the address you choose. There is no sign-up and no custodial balance on TorrentSwap.
- No account
- All fees included in the quote
- TorrentSwap never holds your funds
- You send
BTCBitcoin- You receive
USDCEthereum- Typical time
- about 10–30 min
- Protocols
- 3
Swap BTC to USDC
Live quotesEnter the amount of BTC you want to swap
You receive
0
Comparing live routes from NEAR Intents, Chainflip, THORChain, Flashnet and more. Every amount includes all fees.
Fees are included in every amount. If a protocol can’t meet your minimum, your deposit is refunded.
Live rates
BTC to USDC (Ethereum) rate today
As of 21:13 UTC, 2026-11-04, 1 BTC ≈ 79,727.87 USDC after all fees, via NEAR Intents. Amounts below are real quotes from Flashnet, NEAR Intents and Chainflip, refreshed hourly.
| You send | Protocol | You receive | Time |
|---|---|---|---|
| 0.0012 BTC≈ $100 | FlashnetBest | 95.5587 USDC | ≈ 11 min |
| 0.0012 BTC | NEAR Intents | 95.4028 USDC | ≈ 14 min |
| 0.0012 BTC | Chainflip | 95.0953 USDC | ≈ 12 min |
| 0.012 BTC≈ $1,000 | NEAR IntentsBest | 956.7344 USDC | ≈ 14 min |
| 0.012 BTC | Flashnet | 956.2898 USDC | ≈ 11 min |
| 0.012 BTC | Chainflip | 955.9029 USDC | ≈ 12 min |
Indicative snapshot, not an offer: enter your own amount above for a live quote that is valid for about two minutes.
Transparency
Who can execute this swap
NEAR Intents, Chainflip and Flashnet can each quote BTC to USDC (Ethereum). Which of them responds at a given moment depends on liquidity; the swap box lists every protocol that does, ranked by what you receive after fees.
NEAR Intents
Typically about 30 min
Solvers compete to fill your swap at the best price.
Held briefly by the intents deposit service until a solver fills the order.
How NEAR Intents worksChainflip
Typically about 10–12 min
Decentralised cross-chain AMM for native assets.
Held briefly in validator-run vaults (threshold signatures) while the swap settles.
How Chainflip worksFlashnet
Typically about 10 min
Fast cross-chain settlement network.
Held briefly at a Flashnet deposit address while the swap settles.
How Flashnet works
How it works
How to swap BTC to USDC (Ethereum)
- 01
Enter how much BTC to swap
Type the amount of BTC on Bitcoin. Quotes from NEAR Intents, Chainflip and Flashnet arrive within seconds.
- 02
Pick a route
Routes are ranked by the USDC you receive after all fees. Each shows the protocol by name, its time estimate and the protected minimum.
- 03
Add your addresses
Paste the Ethereum address that should receive the USDC, and a Bitcoin refund address you control.
- 04
Send, or pay from your wallet
Send exactly the quoted BTC to the one-time deposit address from any wallet or exchange, or connect a supported wallet and approve one transfer. Tracking starts automatically.
About this route
What BTC to USDC (Ethereum) actually does
This route starts with native BTC on Bitcoin and delivers USDC issued on Ethereum (contract 0xA0b8…eB48). It does not deliver USDC on Solana, Arbitrum, Base or any other network where USDC also exists.
USDC on Ethereum is the version most applications, lending markets and many exchanges accept by default. If you only want to park value cheaply, USDC on Solana or Base costs less to move later; those are separate destinations in the selector.
Reviewed by the TorrentSwap Editorial Team ·
- You send
- Bitcoin (BTC) on Bitcoin, the network's native asset
- You receive
- USD Coin (USDC) on Ethereum
- Receiving address
- A 0x address of 42 characters. The same address also exists on Arbitrum, Base, Optimism, Polygon, BNB Chain and Avalanche C-Chain, so always check the network label, not just the address.
- Refund address
- A Bitcoin address you control. Refunds are paid in BTC.
- Deposit confirmation
- Bitcoin deposits wait for block confirmations: about 10–12 minutes on Chainflip, about 10 minutes on Flashnet and around 30 minutes on NEAR Intents.
- Fees
- Included in the quote: network, protocol and TorrentSwap fees. What you see is what you should receive.
Before you send
Three checks that prevent most mistakes
The receiving address
Use an Ethereum mainnet address that can hold USDC. A valid-looking 0x address does not prove that an exchange will credit Ethereum USDC to it — check its deposit screen.
The refund address
The refund address must be a Bitcoin address you control. Keep the BTC transaction ID until the USDC arrives or the tracker reports a final state.
Support will never ask for a seed phrase or private key. TorrentSwap only ever needs public addresses.
FAQ
BTC to USDC (Ethereum): common questions
Related guides
Can I receive USDC on Solana or Base instead?
Yes, pick that network's USDC as the destination. Each is a separate route with its own quote, and each delivers the native USDC of that network.
Is USDC the same as USDT?
No. Both aim to track the US dollar, but USDC is issued by Circle and USDT by Tether, with different reserves and contracts. A wallet or exchange may accept one and not the other.
How long does BTC to USDC (Ethereum) take?
Typically about 10–30 min from sending your deposit to the payout. NEAR Intents: about 30 min; Chainflip: about 10–12 min; Flashnet: about 10 min. The time is driven mostly by how long Bitcoin takes to confirm the deposit, and each live quote shows that protocol's own estimate.
What fees do I pay to swap BTC to USDC (Ethereum)?
The platform fee, the executing protocol's fee and network fees are all already included in every quote, so the amount you see is what you should receive, and a protected minimum applies: if a protocol cannot deliver at least that, it refunds your deposit instead. Your own wallet charges the normal network fee to send the deposit.
Do I need an account or KYC to swap BTC to USDC (Ethereum)?
No. There is nothing to sign up for and no email to give — you only enter the receiving address and a refund address. The protocols that execute swaps can apply their own compliance screening, for example against sanctioned addresses.
What happens if the swap cannot complete?
If a protocol cannot fill your swap within the protected minimum, it refunds the deposit to your refund address. The refund address must be a Bitcoin address you control. Keep the BTC transaction ID until the USDC arrives or the tracker reports a final state.
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