# USDT to XLM: Tether (ERC20) to Stellar — no-KYC swap on GhostSwap > Send Tether (USDT, 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 USDT to XLM swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdt20-xlm/ Updated: 2026-10-04 ## At a glance | | | |---|---| | You send | Tether (USDT), 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 USDT | | 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 USDT ≈ 4.5379 XLM · 1 XLM ≈ 0.220367 USDT (market prices, 4 Oct 2026) | | Limits | Minimum about 31 USDT. The exact minimum and maximum USDT 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; USDT on Etherscan; XLM on StellarExpert | | Reverse swap | [XLM to USDT](https://ghostswap.io/exchange/xlm-usdt20/) | ## How much XLM you get (quoted 4 Oct 2026, 22:03 UTC, after all fees) | You send | You receive | |---|---| | 100 USDT | 441.4675 XLM | | 500 USDT | 2,220.88 XLM | | 2500 USDT | 11,116.22 XLM | ## How to swap USDT to XLM 1. Open https://ghostswap.io/exchange/usdt20-xlm/ and enter the amount of USDT 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 USDT address you are sending from, then confirm. 4. Send the USDT to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## USDT ERC20 to Stellar Lumens: funding a Stellar account XLM is the native coin of Stellar, a payments network where every account keeps a small XLM reserve and every fee is paid in XLM. Swapping USDT from Ethereum to XLM is a simple way to fund a Stellar wallet such as Lobstr or Freighter, including a brand-new one, ready for low-cost transfers. GhostSwap needs no account for it. Most of the wait is the Ethereum confirmation of your USDT, usually about 2–5 minutes. Stellar closes a ledger every few seconds, so the XLM lands almost as soon as it is sent. If you plan to hold other Stellar assets later, each trustline you add locks a little more XLM in the account, so keep some spare. ### Tips - Paste the 56-character public key that starts with G. Lobstr can also show a federation name such as name*lobstr.co; that form is rejected, so copy the G address itself. - Receiving into an exchange? Use its G address and copy its memo into the Memo ID field, or the deposit may not be credited. Muxed addresses starting with M are not accepted. Personal wallets leave the memo blank. - Send USDT from an Ethereum wallet you control, with ETH for gas, and use it as the refund address. ### Can I get XLM for USDT without KYC? Yes. GhostSwap needs no account, email or ID for a standard swap. Enter your G address, add a memo only for an exchange, check the floating rate and send USDT ERC20. ### Can I receive USDC on Stellar instead? Yes. Choose USDC (Stellar) as the coin you receive. Your Stellar account must already hold some XLM and have a USDC trustline before it can accept USDC. ## FAQ ### How long does it take to swap USDT to XLM on GhostSwap? Most USDT to XLM swaps are paid out within 10–25 minutes: the USDT 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 USDT in XLM? 1 USDT is worth about 4.5379 XLM at the market rate, before fees (market prices, 4 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 USDT. The Ethereum network fee for sending the USDT is paid separately, in ETH. The rate floats with the market until your USDT deposit confirms. ### Can I send USDT straight to my XLM address? No. USDT moves on Ethereum and XLM on Stellar, so USDT can only be sent to an Ethereum address. To swap, send the USDT 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. ### 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. ### What happens if my USDT to XLM exchange fails? If a swap cannot be completed, the USDT is refunded to the Ethereum address you entered as the sender address. ## Related - [Reverse: XLM to USDT](https://ghostswap.io/exchange/xlm-usdt20/) ([Markdown](https://ghostswap.io/exchange/xlm-usdt20.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)