# USD Coin to Stellar (USDC to XLM) — no-KYC swap on GhostSwap > Send USD Coin (USDC, an ERC-20 token on Ethereum) and receive Stellar (XLM) in your own wallet, with no account and no KYC. It turns a dollar balance into Stellar in one step. Most USDC to XLM swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdc-xlm/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | USD Coin (USDC), ERC-20 token on Ethereum | | You receive | Stellar (XLM) | | Your XLM address | Stellar address that starts with G and is 56 characters long. Wallets: Lobstr or Freighter | | Memo.ID | Only needed when the XLM goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in ETH, so keep a little ETH next to your USDC | | Deposit confirmation | About 2–5 minutes on Ethereum | | XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds | | Typical swap time | 10–25 minutes until your XLM is sent | | Reference rate | 1 USDC ≈ 4.7020 XLM · 1 XLM ≈ 0.212677 USDC (market prices, 2 Oct 2026) | | Limits | Minimum about 31 USDC. The exact minimum and maximum USDC amounts are shown live in the exchange box | | Account / KYC | None for standard swaps: no sign-up, no email, no ID | | Tracking | Status page with your swap ID; USDC on Etherscan; XLM on StellarExpert | | Reverse swap | [XLM to USDC](https://ghostswap.io/exchange/xlm-usdc/) | ## How much XLM you get (quoted 2 Oct 2026, 19:54 UTC, after all fees) | You send | You receive | |---|---| | 100 USDC | 461.4518 XLM | | 500 USDC | 2,320.88 XLM | | 2500 USDC | 11,616.97 XLM | ## How to swap USDC to XLM 1. Open https://ghostswap.io/exchange/usdc-xlm/ and enter the amount of USDC to send. 2. Paste the XLM address that should receive the coins (and a Memo.ID only if that address needs one). 3. Enter the USDC address you are sending from, then confirm. 4. Send the USDC to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## USDC on Ethereum to Stellar Lumens: memos, reserves and a USDC alternative USDC to XLM converts USD Coin on Ethereum into Stellar Lumens, the native coin of the Stellar network. Stellar is built for payments and remittances, and its network fees are tiny next to Ethereum gas, so XLM is cheap to move around in wallets such as Lobstr and Freighter. The XLM is paid to the Stellar address you enter, without an account. The USDC transfer pays gas in ETH and takes about 2–5 minutes to confirm on Ethereum. Stellar then closes a ledger every few seconds, so the XLM payout is final within seconds of being sent. If you would rather keep a dollar balance on Stellar, USDC on Stellar is listed as a separate coin you can pick as the receive coin. ### Tips - Paste a Stellar address: 56 characters starting with G. If it belongs to an exchange, also enter the exchange's memo in the Memo.ID field, or the exchange cannot credit the XLM to your account. - Stellar locks a minimum balance in every account, and a brand-new address only becomes an account once it receives enough XLM to cover it. That minimum stays locked while the account is open, so you can never send out every last XLM. - Send ERC20 USDC from your own Ethereum wallet, with a little ETH for gas, and enter that 0x address as the refund address. USDC on Solana, Base or Polygon are different coins in the list. ### Is an account needed to swap USDC for XLM? No. A standard swap needs no sign-up, email or ID. Paste your G address (plus a memo for an exchange account), review the floating rate and send the USDC. ### Do I need a memo to receive XLM? Only when the G address belongs to an exchange or another shared account, and that service gives you the memo. A personal wallet such as Lobstr or Freighter needs none. ## FAQ ### How long does it take to swap USDC to XLM on GhostSwap? Most USDC to XLM swaps are paid out within 10–25 minutes: the USDC deposit needs about 2–5 minutes to confirm on Ethereum, then the XLM is sent to your wallet, and Stellar confirms the payout in a few seconds. ### How much is 1 USDC in XLM? 1 USDC is worth about 4.7020 XLM at the market rate, before fees (market prices, 2 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XLM network fee. The minimum for this pair is about 31 USDC. The Ethereum network fee for sending the USDC is paid separately, in ETH. The rate floats with the market until your USDC deposit confirms. ### Can I send USDC straight to my XLM address? No. USDC moves on Ethereum and XLM on Stellar, so USDC can only be sent to an Ethereum address. To swap, send the USDC to the one-time deposit address GhostSwap shows, and the XLM is paid to the Stellar address you enter, with no bridge or wrapped token. ### Do I need KYC or an account to exchange USDC to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send USDC from your own wallet, and the XLM goes straight to that address. No email, phone number or ID upload. ### What wallet and address do I need to receive XLM? Use a Stellar address from a wallet you control, such as Lobstr or Freighter. The address starts with G and is 56 characters long. A Memo.ID is only needed if the XLM goes to an exchange or custodial account that gave you one; a personal wallet does not need one. GhostSwap never holds your funds: the XLM is sent straight to the address you enter. ### Which USDC network does this USDC to XLM swap use? The USDC you send is an ERC-20 token on Ethereum, sent from an Ethereum wallet that also holds a little ETH for the network fee. The same swap on other networks: [USDC BEP20 to XLM](https://ghostswap.io/exchange/usdcbsc-xlm/), [USDC SOL to XLM](https://ghostswap.io/exchange/usdcsol-xlm/). ### What happens if my USDC to XLM exchange fails? If a swap cannot be completed, the USDC is refunded to the Ethereum address you entered as the sender address. ## Related - [Reverse: XLM to USDC](https://ghostswap.io/exchange/xlm-usdc/) ([Markdown](https://ghostswap.io/exchange/xlm-usdc.md)) - [All GhostSwap pairs](https://ghostswap.io/exchange/) - [How to exchange](https://ghostswap.io/how-to-exchange/) - [Site guide for AI assistants](https://ghostswap.io/llms.txt)