What you need to swap USDC
- Your USDC to send
- A destination address (where you want to receive the other asset)
- No account or KYC — just the route address from your quote
USD Coin swap time and fees
Typical settlement: ~3–20 min (depends on route). Exact time depends on the route and network.
Fees
Included in your quote upfront. No hidden bridge or wrap costs. We don't promise the cheapest or fastest — we aim to be clear and reliable.
Swap USDC vs using a bridge
Native swaps and bridges are different. Here's how we compare.
Native swap
You send once to a route address and receive the real asset on the destination chain. No lock-up, no wrapped token.
Bridge
Often locks funds in a contract, uses wrapped assets, and adds extra steps and risk.
Swap USDC without bridges or wrapped tokens
- Bridges lock funds and add delay; native swaps settle directly on-chain.
- Wrapped tokens add extra risk and steps; we route to native assets only.
- Quote upfront, one deposit, then receive on the destination chain.
Settlement and security
How USDC swaps are settled
- Stream Vault routing — no custody of your funds.
- Fees and output are shown in your quote before you send.
- Native settlement only; we don't use wrapped tokens.