USDC to XLM: Exchange USD Coin for Stellar Without KYC

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.

10–25 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

USDC

You Get

XLM

Recipient Wallet

Sender Address

⚠️ Enter the exact wallet you are sending from — your funds must be sent from this address.

By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.

USDC

USD Coin (USDC) on Ethereum

Price:

$1.0000

24h Change:

0.01%

Market Cap:

$74.10B

Volume (24h):

$17.63B

Circulating Supply:

74.11B USDC

XLM

Stellar

Price:

$0.2140

24h Change:

-4.99%

Market Cap:

$7.50B

Volume (24h):

$182.09M

Circulating Supply:

35.06B XLM

Data by CoinGecko

USDC to XLM Exchange Rate

1 USDC = 4.6728 XLM

The 1 USD Coin (USDC) on Ethereum to Stellar reference rate at market prices, before fees.

Live market rate

USDC to XLM swap at a glance

Send USDC from MetaMask, Rabby or a Ledger.

USD Coin (USDC)You send · ERC-20 token on Ethereum

Stellar (XLM)You receive · Stellar network

It is a cross-chain swap from Ethereum to Stellar, with no bridge and no wrapped tokens.

Swap time

10–25 minuntil your XLM is sent

Network fee

Paid in ETHkeep a little ETH too

Account / KYC

NoneNo sign-up, email or ID for standard swaps

Tracking

Live status pageUSDC on Etherscan · XLM on StellarExpert

Your XLM address

Stellar addressIt starts with G and is 56 characters long. Wallets: Lobstr or Freighter.

Reference rate

1 USDC ≈ 4.6728 XLM1 XLM ≈ 0.214006 USDC · market prices, 3 Oct 2026

Minimum

About 31 USDC

Memo.ID for XLM

Only for exchange accountsPersonal wallets leave it empty.

Send USDCAbout 2–5 minutes to confirm on Ethereum
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive XLMSent to your address; Stellar confirms in a few seconds

Facts checked 3 Oct 2026Reverse: XLM to USDC

How much XLM do you get for USDC?

GhostSwap quotes at 3 Oct 2026, 10:21 UTC, after the service fee and the cost of sending the XLM to your wallet.

Fees included

100USDC

457.9062XLM

500USDC

2,303.34XLM

2,500USDC

11,530.25XLM

The rate floats with the market until your USDC deposit confirms.

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 for this swap

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.

Swap 1,600+ coins on our no-KYC crypto exchange

USDC to XLM Live Price Chart

USDC/XLM

Loading chart...

Reference market prices, updated live

What is USD Coin (USDC) on Ethereum?

USD Coin (USDC) on Ethereum is a regulated stablecoin pegged 1:1 to the US Dollar, issued by Circle. Unlike algorithmic stablecoins, USDC is backed by cash and short-term US Treasury bonds, with regular attestations of reserves. USDC is widely used across DeFi protocols for lending, borrowing, and providing liquidity, and is accepted as payment by a growing number of merchants. As an ERC-20 token, USDC benefits from Ethereum's vast ecosystem but incurs gas fees for transfers.

What is Stellar?

Stellar (XLM) is an open-source blockchain network designed for fast, low-cost cross-border payments and asset tokenization. Founded by Jed McCaleb (co-founder of Ripple), Stellar focuses on connecting financial institutions and making money transfers accessible to the unbanked. Transactions on Stellar settle in 3-5 seconds with fees under $0.01, making it one of the most efficient payment networks available. XLM is the native currency used for transaction fees and as a bridge between different currencies.

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Why Swap USDC for XLM?

Converting USD Coin (USDC) on Ethereum to Stellar on GhostSwap gets you XLM without signing up for a centralized exchange or completing KYC verification.

Get Stellar without an exchange account

Get Stellar without creating exchange accounts or submitting ID documents.

About Stellar

Stellar is used for fast, cheap cross-border payments. Unlike a dollar-pegged stablecoin, its price moves with the market.

Convert USD Coin (USDC) on Ethereum to Stellar

USDC	XLM at market price
31USDC	144.8557XLM
50USDC	233.6382XLM
100USDC	467.2763XLM
250USDC	1,168.19XLM
500USDC	2,336.38XLM
1,000USDC	4,672.76XLM
5,000USDC	23,363.82XLM
10,000USDC	46,727.63XLM

At market prices of $0.999962 per USDC and $0.213998 per XLM (3 Oct 2026), 500 USDC is worth about 2,336.38 XLM.

Convert Stellar to USD Coin (USDC) on Ethereum

XLM	USDC at market price
140XLM	29.9609USDC
250XLM	53.5015USDC
500XLM	107.0031USDC
1,000XLM	214.0061USDC
2,500XLM	535.0153USDC
5,000XLM	1,070.03USDC
25,000XLM	5,350.15USDC
50,000XLM	10,700.31USDC

Going the other way, 2,500 XLM is worth about 535.0153 USDC at the same prices.

How to Exchange USD Coin to Stellar

Select USDC and XLM

Pick USDC in “You send” and XLM in “You get”, then enter the amount.

Enter Stellar Address

Paste the Stellar address that should receive the XLM. Add a Memo.ID only if that address belongs to an exchange account. Then enter the Ethereum address you send USDC from; a refund, if ever needed, goes there.

Send USD Coin

Send exactly the amount shown from your own Ethereum wallet to the one-time deposit address. Keep a little ETH in that wallet for the network fee.

Receive Stellar

Your XLM arrives on Stellar. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other USDC and XLM pairs.

USDC to XLM: questions and answers

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 4.6728 XLM at the market rate, before fees (market prices, 3 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, USDC SOL to 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.