Convert 500.00 USDC to INR
Check what USD Coin (USDC) is worth in Indian rupees today. With Xflow, platforms can let their users accept USDC from overseas buyers and receive INR in their Indian bank accounts.
From a USDC payment to INR, in four steps with Xflow
With Xflow's payments API, your users get paid in USDC from global merchants and receive Indian rupees in their bank account.
Assign payment addresses
Your users can create and share USDC and USDT payment addresses to receive global stablecoin payments
Buyer sends USDC
Overseas buyers pay in USDC to the assigned address. The funds are converted to USD outside India and credited to the user's Xflow account.
Invoice in USD, withdraw in INR
Users raise a USD invoice and withdraw INR to their Indian bank account, settled T+2.
e-FIRA on the USD amount
Each withdrawal comes with an e-FIRA from an AD Category I bank for the USD amount, ready for your users' bank.
Why platforms use Xflow for USDC payments
A good rate means little if the payout can't be documented. For business payments, paperwork and how money reaches India decide how much your users keep.
Informal Routes (P2P/OTC)
- 01The margin is buried in the INR quote, so each payment settles below spot with no line item to check.
- 02There's no FIRA or e-FIRA, so export paperwork stays open with the bank and DGFT, EDPMS or eBRC reconciliation stalls.
- 03Selling crypto in India attracts 1% TDS on virtual digital assets, and unclear tax treatment leaves the business holding the risk.
- 04Informal off-ramps are under increasing regulatory scrutiny, making them unreliable for business payments.
With Xflow
- 01Clear pricing your users can see before they withdraw, with no hidden deductions in the INR amount.
- 02Every withdrawal gets an e-FIRA from an AD Category I bank for the USD amount, built for export documentation.
- 03USDC never enters India. It's converted to USD outside India by our partners, so only INR lands in your users' accounts.
- 04Withdrawals go straight to your users' Indian bank accounts, settled T+2.
Settle USDC and USDT from any major network
Buyers can send USDC on the chains they already use. Your users withdraw INR either way.
EVM chains
EVM chains
Ethereum, Polygon and other EVM-compatible networks, widely used for USDC.
Solana
Solana
Fast, low-fee transfers, popular with buyers across emerging markets.
Tron
Tron
The go-to network for USDT, built to move high volumes at low cost.
Built for teams that get paid in USDC
Stablecoin-native platforms
Add stablecoin collections to your product. Your users accept USDC and withdraw INR to their Indian bank accounts.
Crypto-native & Web3 companies
Turn USDC revenue into INR for business expenses, without relying on informal desks.
Exporters & service firms
More overseas buyers now pay in USDC. Keep margins intact and EDPMS and eBRC records clean.
SaaS & marketplaces
USD-priced subscriptions and sales paid in USDC arrive as predictable INR revenue.
About the currency
USDC and USDT both track the US dollar. Your users receive Indian Rupees (INR) in their bank accounts in T+2 timelines.
What USDC is, and how it compares to USD
| Type | USD-pegged stablecoin |
| Issuer | Circle |
| Target peg | 1 USDC = 1 USD |
| Type | USD-pegged stablecoin |
| Issuer | Tether |
| Target peg | 1 USDT = 1 USD |
USDC to INR: Settlement Value Today
 USDC |  INR |
|---|---|
| USDC 1 | INR 95.11 |
| USDC 5 | INR 475.56 |
| USDC 10 | INR 951.11 |
| USDC 20 | INR 1,902.23 |
| USDC 50 | INR 4,755.57 |
| USDC 100 | INR 9,511.13 |
| USDC 250 | INR 23,777.83 |
| USDC 500 | INR 47,555.65 |
| USDC 1,000 | INR 95,111.30 |
| USDC 2,000 | INR 190,222.60 |
| USDC 5,000 | INR 475,556.50 |
| USDC 10,000 | INR 951,113.00 |
 USDT | INR |
|---|---|
| USDT 1 | INR 94.16 |
| USDT 5 | INR 470.80 |
| USDT 10 | INR 941.60 |
| USDT 20 | INR 1,883.20 |
| USDT 50 | INR 4,708.01 |
| USDT 100 | INR 9,416.02 |
| USDT 250 | INR 23,540.05 |
| USDT 500 | INR 47,080.10 |
| USDT 1,000 | INR 94,160.20 |
| USDT 2,000 | INR 188,320.40 |
| USDT 5,000 | INR 470,801.00 |
| USDT 10,000 | INR 941,602.00 |
What affects your USDC to INR settlement
What reaches your users' accounts comes down to two things: where the dollar-rupee rate sits, and the route the money takes.
- 01USD to INR rate: USDC tracks the dollar, so the RBI and Fed policy, inflation and trade flows that move USD/INR move your settlement too.
- 02Peg stability: USDC is designed to hold 1:1 with the US dollar. Short-lived depegs can shift value briefly, so the rate is fixed at the time of conversion.
- 03Route spread: Exchanges and P2P desks hide a margin in the INR price. Pricing you can see upfront makes the true cost easy to compare.
- 04Tax and compliance: 1% TDS on virtual digital assets and the lack of a FIRA push the real cost of informal routes well above the quoted rate.