# USDC BEP20 to XLM: USD Coin (BEP20) to Stellar: no-KYC swap on GhostSwap > Send USD Coin (USDC BEP20, a BEP-20 token on BNB Smart Chain) 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 BEP20 to XLM swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/usdcbsc-xlm/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | USD Coin (USDC BEP20), BEP-20 token on BNB Smart Chain | | You receive | Stellar (XLM) | | Your XLM address | Stellar address that starts with G and is 56 characters long. Wallets: Lobstr or Freighter | | Memo | Only needed when the XLM goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in BNB, so keep a little BNB next to your USDC BEP20 | | Deposit confirmation | Under a minute on BNB Smart Chain | | XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds | | Typical swap time | 5–15 minutes until your XLM is sent | | Reference rate | 1 USDC BEP20 ≈ 5.1839 XLM · 1 XLM ≈ 0.192907 USDC BEP20 (market prices, 9 Oct 2026) | | Limits | The exact minimum and maximum USDC BEP20 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 BEP20 on BscScan; XLM on StellarExpert | | Reverse swap | [XLM to USDC BEP20](https://ghostswap.io/exchange/xlm-usdcbsc/) | ## How to swap USDC BEP20 to XLM 1. Open https://ghostswap.io/exchange/usdcbsc-xlm/ and enter the amount of USDC BEP20 to send. 2. Paste the XLM address that should receive the coins (and a Memo only if that address needs one). 3. Enter the USDC BEP20 address you are sending from, then confirm. 4. Send the USDC BEP20 to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap USDC BEP20 to XLM on GhostSwap? Most USDC BEP20 to XLM swaps are paid out within 5–15 minutes: the USDC BEP20 deposit needs under a minute to confirm on BNB Smart Chain, then the XLM is sent to your wallet, and Stellar confirms the payout in a few seconds. Busy networks can add a few minutes. ### How much is 1 USDC BEP20 in XLM? 1 USDC BEP20 is worth about 5.1839 XLM at the market rate, before fees (market prices, 9 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XLM network fee. The rate floats with the market until your USDC BEP20 deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange USDC BEP20 to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send USDC BEP20 from your own wallet, and the XLM goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting USD Coin (BEP20) to Stellar? The GhostSwap fee is already included in the rate in the exchange box, so the XLM amount you see is what you receive. On top of that, your wallet needs a little BNB to pay the BNB Smart Chain network fee for sending USDC BEP20. ### What wallet should I use to receive XLM? To receive Stellar from your swap, we recommend using Lobstr or Freighter. Make sure your wallet supports the Stellar network before starting the exchange. Double-check your XLM address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the XLM address? Use a Stellar address: it starts with G and is 56 characters long. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Memo to receive XLM? Only if the XLM goes to an exchange or custodial account that gave you a Memo; enter it in the field shown in the exchange box. A personal XLM wallet does not need one. ### Can I track my USDC BEP20 to XLM swap? Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your USDC BEP20 payment on BscScan (https://bscscan.com) and your incoming XLM on StellarExpert (https://stellar.expert). ### Is it safe to exchange USDC BEP20 for XLM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your USDC BEP20 deposit is converted and the XLM is sent straight to the Stellar address you enter, so check that address twice, Stellar transfers cannot be reversed. ### Why swap USDC BEP20 to XLM? Converting USD Coin (BEP20) to Stellar moves dollar-pegged funds into Stellar. Stellar is used for fast, cheap cross-border payments. Unlike a stablecoin, its price moves with the market. GhostSwap needs no account on a centralized exchange and no KYC. ### What happens if my USDC BEP20 to XLM exchange fails? If a swap cannot be completed, the USDC BEP20 is refunded to the BNB Smart Chain address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network. ## Related - [Reverse: XLM to USDC BEP20](https://ghostswap.io/exchange/xlm-usdcbsc/) ([Markdown](https://ghostswap.io/exchange/xlm-usdcbsc.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)