Fastest BTC to USDC bridge
Bitcoiner's Guide
TL;DR: Garden swaps native Bitcoin into USDC on Ethereum, Base, Solana, Arc, and more, atomically, with no exchange account and no custodian. The quote you see is the amount that lands.
gardeners!
Moving between Bitcoin and dollars is the most common trade in crypto, and most people still do it the long way. Deposit on an exchange, sell, withdraw, three waits and three fees, with KYC and custody attached. The direct version has existed on Garden for a while, and lately it’s become one of our busiest routes. BTC in, USDC on the chain of your choice out, one atomic swap.
Where your USDC can land
USDC isn’t one destination anymore. It lives on Ethereum for defi depth, Base for cheap fast settlement, Solana for payments, Arc for institutional rails, and Hypercore if you’re funding a perps account. Garden swaps native BTC directly into USDC on any of them, and the chain you pick changes nothing about the flow. Same atomic settlement, different landing spot.
We pulled live quotes for 1 BTC to USDC and lined them up against the alternatives running the same route.
BTC to USDC on Ethereum
The deepest USDC market in crypto. Connect your Bitcoin wallet, pick BTC as source and USDC on Ethereum as destination, connect your EVM wallet, and swap.
Chains we support BTC to USDC on
Same swap, different destination. Pick the chain in the dropdown, the quote adjusts, everything else stays the same.
- Ethereum
- Base
- Solana
- Arc
- Hypercore
- Tempo
USDC back to BTC
The reverse is one swap too. USDC on any supported chain goes back to native Bitcoin at the quoted amount, delivered to any Bitcoin address you control, in about 30 seconds.
For the USDT side of this pair, we’ve covered converting BTC to USDT and the cheapest USDT to BTC routes separately, same atomic flow, Tether’s chains instead.
How Garden compares
Security
Garden’s BTC to USDC routes run on Hashed Timelock Contracts. Your BTC and the solver’s USDC lock behind the same hash, and revealing one secret settles both legs. Either the whole swap completes or everything refunds automatically. No partial execution, no stuck funds, no custodian deciding whether your coins come back.
Our contracts are continuously audited by external researchers including Trail of Bits, Zellic, and OtterSec, and a public Code4rena audit with 813 researchers closed with zero critical findings. Full audit history is at garden.finance/security.
Try it now
Head to app.garden.finance, pick BTC as source and USDC on your chain as destination. Dollars in your wallet, minutes later.
FAQs
How do I convert Bitcoin to USDC without a centralized exchange?
Swap it atomically on Garden. Connect a Bitcoin wallet, pick USDC on your destination chain, and the swap settles wallet to wallet with no account, no KYC, and no custody.
What is the cheapest way to swap BTC to USDC?
Atomic swaps avoid the fee stacking of exchange round trips, deposit fees, trading fees, withdrawal fees. On Garden the quoted amount is final, and the network fee shows upfront before you confirm.
Can I swap USDC to Bitcoin the same way?
Yes. Every route is bidirectional, USDC on any supported chain back to native BTC at the quoted rate, delivered to any Bitcoin address.
Is converting BTC to USDC a taxable event?
In most jurisdictions swapping one crypto asset for another is a disposal for tax purposes, stablecoins included. Check your local rules or an accountant, nothing here is tax advice.
Can apps offer BTC to USDC swaps to their users?
Yes. The routes are live in the Garden API, so wallets, payment apps, and treasuries can quote and execute BTC to USDC programmatically without holding user funds.
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