USDC vs Monero

General

Description

USDC Logo
USDC
 (USDC)

USDC is a regulated stablecoin pegged 1:1 to the US dollar. Issued by Circle, it is backed by reserves held in short-term US Treasuries and cash. A significant portion of these reserves is held via a BlackRock-managed fund and custodied at BNY Mellon. USDC is the second-largest stablecoin and is widely seen as the more compliance-focused alternative to USDT.

What is USDC?
Monero Logo
Monero
 (XMR)

Monero is a decentralized cryptocurrency designed for private and difficult-to-trace payments. Unlike most public blockchains, the sender, recipient and amount of every transaction are concealed by default. This protects users’ financial privacy and prevents individual XMR from being treated differently based on their transaction history.

What is Monero?
Page 1 of 0

Purpose and goals

USDC Logo
USDC
 (USDC)
  • Digital dollar
  • MiCA-friendly access in the EU
  • Trading & liquidity
Monero Logo
Monero
 (XMR)
  • Digital currency
  • Private and censorship-resistant payments
  • Decentralized mining on standard hardware
Page 1 of 0

Price and market data

Chart

USDC
 (USDC)

$0.9997

-0.0%
Monero
 (XMR)

$353.62

+1.6%
Market data
USDCMonero
All-time high
$797.73
Jan 14, 2026
-55.7%
Crypto all-time highs
Market cap
$72.07B
$6.64B
Market share
3.16%
0.29%
Transaction volume (24h)
$10.33B
+3.0%
$84.92M
+20.5%
Exchange rate

1 USDC = $0.9997

1 XMR = $353.62

USDC converterXMR converter
Prediction for undefined
Powered by AI
$468.72
+32.0%
XMR prediction
Price trend
Positive
(17/30 days)
Momentum
Positive
NegativePositive
Positive
Relative Strength Index
Neutral
BuySell
Neutral (54.1)
News sentiment
Positive
NegativePositive
Positive (93/100)

Last 7 days

Neutral
NegativePositive
Neutral (43/100)

Last 12 months

USDC newsXMR news
Price performance
+0.0%
--2.2%
Price performance
-0.0%
++1.6%
Price performance
+0.0%
++10.8%
Price performance
-0.0%
++19.5%
Annual return
-0.0%
--20.0%
Annual return
-0.0%
++130.0%
Annual return
++0.1%
++15.1%
XMR returns
Average annual return
++397.4%
Max supply
Circulating supply
72.09B
18.79M
Inflation
11.95%
Year
1.85%
Year
Crypto inflation

On-chain data

USDCMonero
Total Value Locked (TVL)
What is Total Value Locked?
Market cap/TVL (ratio)
Transactions (24h)
6.83M
28,814
Active addresses (24h)
172,628

Our rating

Our rating
USDCMonero
Our overall rating
USDC
Monero
How we evaluate cryptocurrencies

Our individual ratings

Risk
USDC: 9 of 10
Risk (USDC)
Monero: 5 of 10
Risk (Monero)
USDC Logo
Monero Logo
riskyless risky
Community
USDC: 7 of 10
Community (USDC)
Monero: 7 of 10
Community (Monero)
USDC Logo
Monero Logo
smalllarge
Hype & momentum
USDC: 8 of 10
Hype & momentum (USDC)
Monero: 6 of 10
Hype & momentum (Monero)
USDC Logo
Monero Logo
weakstrong
Active usage
USDC: 7 of 10
Active usage (USDC)
Monero: 7 of 10
Active usage (Monero)
USDC Logo
Monero Logo
lowhigh
Network effect
USDC: 7 of 10
Network effect (USDC)
Monero: 6 of 10
Network effect (Monero)
USDC Logo
Monero Logo
weakstrong
Decentralization
USDC: 0 of 10
Decentralization (USDC)
Monero: 7 of 10
Decentralization (Monero)
USDC Logo
Monero Logo
centralizeddecentralized

Our opinion

USDC Logo
USDC
 (USDC)
For us, USDC is the best stablecoin when transparency and regulation are the priority. Circle publishes weekly reserve updates and has the backing attested monthly by a Big Four accounting firm. That is still unusual in the stablecoin market. For EU users, there is an additional practical benefit: since MiCA, many platforms have restricted or delisted USDT spot pairs, making USDC the more reliably available USD alternative on regulated exchanges. Availability can still vary by platform. That said, USDC is not risk-free. The brief depeg in 2023 was a reminder that even cash reserves can carry counterparty risk. At the time, Circle had $3.3 billion of USDC reserves at Silicon Valley Bank. Our takeaway: USDC is the clean choice for users who want to stay within a regulated framework. If you need maximum global liquidity above all else, USDT is often still the better tool.
What is USDC?
Monero Logo
Monero
 (XMR)
Monero is the most uncompromising major crypto project focused on private payments. Unlike Bitcoin or Ethereum, it conceals the sender, recipient and amount by default, strengthening fungibility and censorship resistance. Its real-world use for legitimate private payments and on darknet marketplaces demonstrates genuine demand, while also explaining the intense regulatory pressure. Monero also benefits from its long track record, fair launch without an ICO or pre-mine, and independent open-source development. At the same time, exchange delistings restrict access, liquidity and institutional adoption. Monero does not guarantee complete anonymity either, as exchange data, IP addresses or compromised devices may still reveal information about users. Overall, we view Monero as the strongest project for private digital money, although regulatory risks are likely to limit its long-term growth.
What is Monero?
Page 1 of 0

Key data

Key data
USDCMonero
Sector
Stablecoin
Privacy
Key feature
Price stability (USD peg)
Private transactions by default
Founder
Circle, Coinbase (CENTRE Consortium)
thankful_for_today (pseudonym)
Developer
Circle Internet Group
Monero Project (open source)
Published
2018
2014
Institutional investors
  • BlackRock
  • Fidelity Investments
  • Accel
  • Coinbase
  • Breyer Capital
  • Marshall Wace LLP
  • etc.
Social media
74,483 followers
530,292 followers
Website
www.usdc.com
www.getmonero.org
Whitepaper
Whitepaper
Whitepaper

Technical details

Technical details
USDCMonero
Blockchain
Multi-chain
Monero Blockchain
Consensus mechanism
Network-dependent (multi-chain)
Proof of Work (RandomX)
Staking
No
No
Open source
No
Yes
Energy consumption
Low
High
Transactions per second
90 TPS
USDC vs Monero

USDC or Monero

Market data comparison of USDC versus XMR

The current price of USDC is $0.9997 and has increased by 0.0% in the last 24 hours. Monero is currently trading at $353.62, with a drop of 2.2% over the same period. USDC has a market cap of $72.07B and ranks 5th. Monero follows with a market cap of $6.64B, ranking 17th — meaning it is valued lower.

We automatically update all market data every 15 minutes, so you always have the latest figures for your comparison.

Should I buy USDC or Monero?

You should be aware that investing in cryptocurrencies carries risks, and we are neither allowed nor intending to provide investment advice. Still, we'd like to offer some food for thought: consider the opportunities and risks associated with both USDC and Monero. What target markets and problems are these two projects aiming to address?

If you're still unsure whether to invest in USDC or Monero, you can take a look at some additional market data to help with your decision:

Currently, USDC is about below it's all-time high of reached .
In comparison, Monero is down approximately -55.7% from it's all-time high of $797.73 Jan 14, 2026.
USDC currently has a 12,067.8% higher 24h transaction volume of $10.33B compared to Monero with $84.92M.
Over the past year, USDC achieved a total return of 0.0%, while Monero returned +19.5%. Keep in mind, however, that past performance rarely guarantees future results.

Additional criteria for comparing cryptocurrencies:

  • What problem does the project aim to solve, and is a decentralized network meaningful and necessary for it?
  • How actively is the network being used?
  • Does the project have a large and active community?
  • How strong is the development activity? (e.g., on GitHub)
  • How decentralized is the underlying blockchain and the project itself?

How we evaluate cryptocurrencies

These are just a few indicators you can use to better evaluate and compare cryptocurrencies like USDC and Monero. Cryptocurrencies and their underlying technologies are often difficult to compare — even for professionals. So don’t stress yourself out, and never let emotions or fear of missing out drive your investment decisions.

Where can I buy USDC or Monero?

Today, there are many reputable and secure exchanges that make it easy to invest in USDC and Monero. We're happy to help you choose the right one: simply use our exchange comparison tool to find the platform that best suits your needs. Both USDC and Monero are well-known and in high demand, which means they're available on most major exchanges.

Crypto exchanges comparison

Which crypto wallet is best for USDC and Monero?

If you want to store cryptocurrencies like USDC or Monero yourself, choosing the right wallet is essential. Consider your personal preferences when deciding: Is ease of use important to you? Do you prefer maximum security with a hardware wallet (USB device), or is a software wallet sufficient for your needs? Our crypto wallet comparison helps you find the best wallet for USDC, Monero, and many other cryptocurrencies.

Crypto wallets comparison