Crypto to crypto converter
Every cross rate is two dollar prices standing next to each other. Here is the arithmetic, live, in both directions.
See where today's rate sits
Pick a range to see the last day, week, month or year. Hover anywhere on the line for the rate on that date. The high, low and change for the period are under the chart.
What happens after the swap
Every rate goes through the US dollar
Bitcoin has a dollar price. Ether has a dollar price. Divide one by the other and that is your rate.
Kite holds it as US dollars
Receiving is free, holding is free, and we pay the network fees.
Spend those dollars anywhere
Tap your Kite card, or scan a shop's QR code. No second swap.
| What you are doing | What we charge |
|---|---|
| Receiving crypto into your wallet | Free |
| Holding a dollar balance | Free |
| Network gas on supported chains | Covered by us* |
| Spending in US dollars | No added fee |
| Spending in any other currency | 1.8% |
* Sends beyond your free daily limit on a given chain carry a small, network-dependent fee.
Every rate on this page is traceable
None of these are our own quote. They are public market references, and the links go to the exact endpoints this page reads.
| What it feeds | Source | Refreshed |
|---|---|---|
| Spot rate for every pair | Coinbase exchange rates | Every 60 seconds |
| Price candles and the 24 hour move | Binance public market data | Every 60 seconds |
| Intraday currency candles | Kraken, Upbit and Bitkub | Every 60 seconds |
| Currency history and daily moves | European Central Bank, via Frankfurter | Once each business day |
| Currencies outside the ECB list (VND, TWD, AED) | Currency API on jsDelivr | Once a day |
Answers, without the hedging
How is the cross rate calculated?
Both coins are priced against the US dollar, and the cross rate is the first price divided by the second. That is how every venue builds it, and it is why a pair can move when neither coin has done anything unusual: the dollar leg moved underneath both of them.
Is this the rate I will actually get on a swap?
No, and no converter can promise that. This is the mid-market rate, which is the midpoint before anybody adds a spread. A real swap adds the venue's spread, any trading fee, and network costs. Treat this as the benchmark you measure a quote against.
Can I swap coins inside Kite?
Kite is a wallet, a card and a payments app rather than a trading venue. You can receive any supported asset for free, hold a dollar balance, send, and spend. If you want to compare what a swap should cost, this page is the benchmark to hold it up against.
Why do USDT and USDC not sit at exactly 1.0000?
Because they are two separate instruments that both target a dollar, and the market prices each one independently. The gap is usually a few hundredths of a percent. It widens when one of them is under stress, which is exactly when it is worth looking at this number.
What does it cost to spend a stablecoin balance on Kite?
Receiving is free, holding is free, and the card costs nothing to issue or keep. Moving a balance onto the card is 0.53%. Spending in US dollars carries no added fee, and everything else is a flat 1.8%.
Does the chart show the pair or the coin?
The pair. When both sides are coins, the chart is the ratio between them, built from both dollar series. When one side is a currency, it is the coin priced in that currency.
Swap wherever you like. Spend on Kite.
Receiving crypto is free, we cover the gas on sends within your free daily limit, and the balance lands in US dollars ready for the card. No annual fee, no charge to issue it.
