Cross-chain · BNB Chain → Polygon

Swap USDT from BNB Chain to USDC on Polygon

Swap USDT from BNB Chain to USDC on Polygon. You send Binance-Peg USDT on BNB Chain and you receive Circle's native USDC on Polygon.

The peg you approve is 0x55d398326f99059fF775485246999027B3197955, 18 decimals. BscScan shows it on chain id 56. Gas is BNB. Blocks are about 3 seconds. Native USDC on Polygon is 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359. Match the full string on Polygonscan. Chain id 137. It is Circle, not the older bridged USDC.e, and not Tether. Gas after arrival is POL. USDC will not pay it.

Diagram for Swap USDT from BNB Chain to USDC on Polygon — USDT leaves BNB Chain. USDC is what can arrive on Polygon.

Tether's peg is the only input

0x55d398326f99059fF775485246999027B3197955 is the contract to approve. Binance-Peg USDC will not work, and native BNB will not work. You change issuer, from Tether to Circle, on the way to Polygon. If you needed Tether to remain Tether, this page is the wrong tool. Keep BNB for the fee on chain id 56.

Native USDC, not the bridged copy

Polygon has more than one contract people call USDC. This route pays 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359, Circle's native token. A bridged USDC.e balance is a different asset. Polygonscan is where you compare the full address. Six decimals on that USDC will look smaller than the 18-decimal peg. Use the quote, then hold POL so the USDC can move.

POL, WETH, and a same-chain swap

If the wallet needs POL for gas and nothing else, use the POL page. If it needs WETH, use that page. If you only needed USDC next to BNB, do not bridge. The bridge guide is the hop, not a peg between Tether and Circle. No USDC amount is locked.

Issuer change plus a second gas coin

BscScan proves the Tether peg left. Polygonscan proves which USDC arrived. BNB pays the first side. POL pays the second. Read the minimum USDC before you sign. A 3 second block on BNB Chain does not finish the route and does not cap the later POL fee. If the floor is short of what you will accept, do not sign.

Legal

Risk disclosure

XAUConnect is a non-custodial swap aggregator. Digital assets are volatile and may lose value rapidly. Content on this page is educational and not investment advice. Verify every contract address on the official block explorer before approving a transaction.

Frequently asked questions

What is the best way to swap USDT from BNB Chain to USDC on Polygon?

The peg you approve is 0x55d398326f99059fF775485246999027B3197955, 18 decimals. BscScan shows it on chain id 56.

How do I tell native USDC from USDC.e on Polygon?

Match the full contract. This page pays 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359, Circle's native USDC, which you check on Polygonscan, chain id 137. A bridged copy can share the ticker and still be the wrong token. The input was 0x55d398326f99059fF775485246999027B3197955 on BscScan. You need POL afterward because USDC cannot pay gas.

Is the USDC I receive the same token I might hold on BNB Chain?

No. BNB Chain USDC is a different peg, and this route does not even spend that peg. It spends Tether's peg and pays Polygon's native USDC. BscScan and Polygonscan will not show one balance. If you wanted USDT on Polygon, you opened the wrong page. Gas out is BNB. Gas on Polygon is POL.

Can I move the USDC if the Polygon wallet has no POL?

No. Circle USDC at 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359 does not pay fees. POL is the gas coin on chain id 137. Polygonscan can show the token while a transfer still fails. BNB left on BNB Chain does not help. Add POL before you need to send the USDC on.

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