USDT to XLM: Exchange Tether (ERC20) for Stellar Without KYC

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.

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

You Send

USDT (ERC20)

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.

USDT (ERC20)

Tether (USDT) on Ethereum

Price:

$0.9998

24h Change:

0.00%

Market Cap:

$184.05B

Volume (24h):

$56.40B

Circulating Supply:

184.09B USDT (ERC20)

XLM

Stellar

Price:

$0.2148

24h Change:

-3.72%

Market Cap:

$7.53B

Volume (24h):

$208.87M

Circulating Supply:

35.06B XLM

Data by CoinGecko

USDT (ERC20) to XLM Exchange Rate

1 USDT (ERC20) = 4.6536 XLM

The 1 Tether (USDT) on Ethereum to Stellar reference rate at market prices, before fees.

Live market rate

USDT to XLM swap at a glance

Send USDT from MetaMask, Rabby or a Ledger.

Tether (USDT)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 pageUSDT 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 USDT ≈ 4.6536 XLM1 XLM ≈ 0.214887 USDT · market prices, 6 Oct 2026

Minimum

About 31 USDT

Memo for XLM

Only for exchange accountsPersonal wallets leave it empty.

Send USDTAbout 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 6 Oct 2026Reverse: XLM to USDT

How much XLM do you get for USDT?

GhostSwap quotes at 6 Oct 2026, 04:27 UTC, after the service fee and the cost of sending the XLM to your wallet.

Fees included

100USDT

455.2293XLM

500USDT

2,290.01XLM

2,500USDT

11,462.35XLM

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

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 for this swap

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.

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

USDT to XLM Live Price Chart

USDT (ERC20)/XLM

Loading chart...

Reference market prices, updated live

What is Tether (USDT) on Ethereum?

Tether on Ethereum (USDT ERC-20) is the most widely used stablecoin in cryptocurrency, pegged 1:1 to the US Dollar. USDT provides a stable store of value within the volatile crypto market, making it essential for traders who want to lock in profits or park funds without converting to fiat. As an ERC-20 token on Ethereum, USDT benefits from the broadest DeFi ecosystem support and the most exchange integrations of any stablecoin network. Note that Ethereum gas fees apply to ERC-20 USDT 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 USDT for XLM?

Converting Tether (USDT) 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 Tether (USDT) on Ethereum to Stellar

USDT (ERC20)	XLM at market price
31USDT (ERC20)	144.2616XLM
50USDT (ERC20)	232.6799XLM
100USDT (ERC20)	465.3598XLM
250USDT (ERC20)	1,163.40XLM
500USDT (ERC20)	2,326.80XLM
1,000USDT (ERC20)	4,653.60XLM
5,000USDT (ERC20)	23,267.99XLM
10,000USDT (ERC20)	46,535.98XLM

At market prices of $0.999807 per USDT (ERC20) and $0.214846 per XLM (6 Oct 2026), 500 USDT (ERC20) is worth about 2,326.80 XLM.

Convert Stellar to Tether (USDT) on Ethereum

XLM	USDT (ERC20) at market price
100XLM	21.4887USDT (ERC20)
250XLM	53.7219USDT (ERC20)
500XLM	107.4437USDT (ERC20)
1,000XLM	214.8875USDT (ERC20)
2,500XLM	537.2187USDT (ERC20)
5,000XLM	1,074.44USDT (ERC20)
25,000XLM	5,372.19USDT (ERC20)
50,000XLM	10,744.37USDT (ERC20)

Going the other way, 2,500 XLM is worth about 537.2187 USDT (ERC20) at the same prices.

How to Exchange Tether (ERC20) to Stellar

Select USDT and XLM

Pick USDT 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 only if that address belongs to an exchange account. Then enter the Ethereum address you send USDT from; a refund, if ever needed, goes there.

Send Tether (ERC20)

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 USDT and XLM pairs.

USDT to XLM: questions and answers

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 4.6536 XLM at the market rate, before fees (market prices, 6 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 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.