USDC BEP20 to XLM: Exchange USD Coin (BEP20) for Stellar Without KYC

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.

  • 5–15 min
  • No account · No KYC
  • Non-custodial
  • Fees included in quote
Crypto Exchange
Buy Crypto
USDC (BEP20)
USDC (BEP20)
XLM
XLM


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

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USD Coin Binance Smart Chain Logo
USDC (BEP20)
USD Coin (USDC) on BNB Smart Chain
Price:
$0.9996
24h Change:
-0.03%
Market Cap:
$73.59B
Volume (24h):
$24.12B
Circulating Supply:
73.62B USDC (BEP20)
Stellar Logo
XLM
Stellar
Price:
$0.1990
24h Change:
-3.43%
Market Cap:
$6.97B
Volume (24h):
$176.32M
Circulating Supply:
35.04B XLM

Data by CoinGecko

USDC (BEP20) to XLM Exchange Rate

1 USDC (BEP20) = 5.0231 XLM

The 1 USD Coin (USDC) on BNB Smart Chain to Stellar reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.

Live market rate

USDC BEP20 to XLM swap at a glance

Everything that is specific to swapping USD Coin to Stellar on GhostSwap.

USD Coin (USDC BEP20)You send · BEP-20 token on BNB Smart Chain
Stellar (XLM)You receive · Stellar network

It turns a dollar balance into Stellar in one step. It is a cross-chain swap from BNB Smart Chain to Stellar, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your XLM is sent
Network fee
Paid in BNBkeep a little BNB too
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pageUSDC BEP20 on BscScan · XLM on StellarExpert
Your XLM address
Stellar addressIt starts with G and is 56 characters long. Wallets: Lobstr or Freighter.
Reference rate
1 USDC BEP20 ≈ 5.0231 XLM1 XLM ≈ 0.199082 USDC BEP20 · market prices, 8 Oct 2026
Memo for XLM
Only for exchange accountsPersonal wallets leave it empty.
  1. Send USDC BEP20Under a minute to confirm on BNB Smart Chain
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive XLMSent to your address; Stellar confirms in a few seconds
Facts checked 8 Oct 2026Reverse: XLM to USDC BEP20

Going the other way? Swap XLM to USDC BEP20

Other ways to get Stellar (XLM)

BTC to XLMETH to XLMUSDT to XLMUSDT TRC20 to XLMUSDC to XLMSOL to XLMLTC to XLMXMR to XLMZEC to XLMBNB to XLMXRP to XLMDOGE to XLMUSDC SOL to XLMUSDT AVAX to XLM

More USDC BEP20 swaps

USDC BEP20 to USDT BEP20USDC BEP20 to XMRUSDC BEP20 to ETHUSDC BEP20 to PAXGUSDC BEP20 to USDT AVAXUSDC BEP20 to BTCUSDC BEP20 to SOLUSDC BEP20 to XRPUSDC BEP20 to XTZUSDC BEP20 to ZECUSDC BEP20 to ZRXUSDC BEP20 to AAVE

USDC BEP20 to XLM Live Price Chart

USDC (BEP20)/XLM

Loading chart...

Reference market prices, updated live

USDCBSC

What is USD Coin (USDC) on BNB Smart Chain?

USD Coin (USDC (BEP20)) is a stablecoin pegged 1:1 to the U.S. Dollar, operating on the Binance Smart Chain (BSC). USDC on BSC offers faster transactions and lower fees compared to Ethereum, facilitating efficient use within the BSC ecosystem for DeFi applications and payments.

XLM

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.

USDCBSC → XLM

Why Swap USDC BEP20 for XLM?

Converting USD Coin (USDC) on BNB Smart Chain to Stellar on GhostSwap gets you XLM without signing up for a centralized exchange or completing KYC verification. Your USDC (BEP20) converts to XLM directly, with no identity requirements.

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.

Typical swap time

Most swaps are paid out within 5–15 minutes, with no exchange deposit queue and no withdrawal hold.

No sign-up or verification

GhostSwap processes your swap with just a wallet address. No accounts and no KYC.

Exchange USDC (BEP20) for XLM on GhostSwap. Stellar fees are a tiny fraction of a cent.

USDCBSC

Convert USD Coin (USDC) on BNB Smart Chain to Stellar

USDC (BEP20)XLM at market price
25USDC (BEP20)125.5766XLM
50USDC (BEP20)251.1532XLM
100USDC (BEP20)502.3065XLM
250USDC (BEP20)1,255.77XLM
500USDC (BEP20)2,511.53XLM
1,000USDC (BEP20)5,023.06XLM
5,000USDC (BEP20)25,115.32XLM
10,000USDC (BEP20)50,230.65XLM

At market prices of $0.999625 per USDC (BEP20) and $0.199007 per XLM (8 Oct 2026), 500 USDC (BEP20) is worth about 2,511.53 XLM. Your exact amount, after network fees, is shown in the exchange box before you send.

XLM

Convert Stellar to USD Coin (USDC) on BNB Smart Chain

XLMUSDC (BEP20) at market price
100XLM19.9082USDC (BEP20)
250XLM49.7704USDC (BEP20)
500XLM99.5408USDC (BEP20)
1,000XLM199.0817USDC (BEP20)
2,500XLM497.7041USDC (BEP20)
5,000XLM995.4083USDC (BEP20)
25,000XLM4,977.04USDC (BEP20)
50,000XLM9,954.08USDC (BEP20)

Going the other way, 2,500 XLM is worth about 497.7041 USDC (BEP20) at the same prices.

How to Exchange USD Coin (BEP20) to Stellar

Line Vector
Select Crypto Currency

Select USDC BEP20 and XLM

Pick USDC BEP20 in “You send” and XLM in “You get”, then enter the amount. The box shows how much XLM you get and the minimum USDC BEP20 for this pair.

Select Wallet Address
Line Vector

Enter Stellar Address

Paste the Stellar address that should receive the XLM (it starts with G and is 56 characters long). Add a Memo only if that address belongs to an exchange account. Then enter the BNB Smart Chain address you send USDC BEP20 from; a refund, if ever needed, goes there.

Sent Crypto Currency
Line Vector

Send USD Coin (BEP20)

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

Receive Crypto

Receive Stellar

Your XLM is usually paid out 5–15 minutes after you send your USDC BEP20, and Stellar then confirms it in a few seconds. Follow each step on the status page with your swap ID.

Popular swap pairs

Explore the most popular crypto exchange pairs, including BTC to ETH, ETH to XRP, and DOGE to USDT.

BTC
to
ETH
ETH
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BTC
BTC
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SOL
ETH
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SOL
BTC
to
XMR
ETH
to
XMR
SOL
to
XMR
XMR
to
USDT
USDT
to
XMR
XMR
to
BTC
BTC
to
ZEC
ETH
to
ZEC
SOL
to
ZEC
ZEC
to
USDT
USDT
to
ZEC
ZEC
to
BTC
ETH
to
XRP
BTC
to
DOGE
DOGE
to
USDT
BTC
to
LTC
SHIB
to
PEPE
PEPE
to
USDT
SHIB
to
USDT
BONK
to
USDT
WIF
to
USDT
POPCAT
to
USDT
DOGE
to
SHIB

USDC BEP20 to XLM: questions and answers

Everything you need to know about exchanging USDC (BEP20) to XLM on GhostSwap.

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 5.0231 XLM at the market rate, before fees (market prices, 8 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.

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DOT
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UNI
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CRO
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ICP
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WIF
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ETC
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POL
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ATOM
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NEAR
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APT
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ARB
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OP
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FIL
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ALGO
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INJ
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HBAR
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BRETT
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BTT
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DEGEN
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DRIFT
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SAND
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TAO
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TIA