# Stellar to First Digital USD (XLM to FDUSD): no-KYC swap on GhostSwap > Send Stellar (XLM) and receive First Digital USD (FDUSD, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. Swapping into FDUSD locks in a dollar value without selling on a centralized exchange. Most XLM to FDUSD swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-fdusd/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | First Digital USD (FDUSD), BEP-20 token on BNB Smart Chain | | Your FDUSD address | BNB Smart Chain address that starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby | | Deposit Memo | If the deposit screen shows a Memo for your XLM, include it exactly. | | Deposit network fee | Paid in XLM by your wallet | | Deposit confirmation | A few seconds on Stellar | | FDUSD payout | Sent to your address as soon as the swap completes; BNB Smart Chain confirms it in under a minute | | Typical swap time | 5–15 minutes until your FDUSD is sent | | Reference rate | 1 XLM ≈ 0.199584 FDUSD · 1 FDUSD ≈ 5.0104 XLM (market prices, 12 Oct 2026) | | Limits | The exact minimum and maximum XLM 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; XLM on StellarExpert; FDUSD on BscScan | | Reverse swap | [FDUSD to XLM](https://ghostswap.io/exchange/fdusd-xlm/) | ## How to swap XLM to FDUSD 1. Open https://ghostswap.io/exchange/xlm-fdusd/ and enter the amount of XLM to send. 2. Paste the FDUSD address that should receive the coins. 3. Enter the XLM address you are sending from, then confirm. 4. Send the XLM to the one-time deposit address shown. 5. Receive FDUSD in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to FDUSD on GhostSwap? Most XLM to FDUSD swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the FDUSD is sent to your wallet, and BNB Smart Chain confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 XLM in FDUSD? 1 XLM is worth about 0.199584 FDUSD at the market rate, before fees (market prices, 12 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the FDUSD network fee. The rate floats with the market until your XLM deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange XLM to FDUSD? No. GhostSwap has no accounts: you paste the BNB Smart Chain address that should receive the FDUSD, send XLM from your own wallet, and the FDUSD goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to First Digital USD? The GhostSwap fee is already included in the rate in the exchange box, so the FDUSD amount you see is what you receive. On top of that, the Stellar network fee for your deposit is paid in XLM by your wallet. ### What wallet should I use to receive FDUSD? To receive First Digital USD from your swap, we recommend using Trust Wallet, MetaMask or Rabby. Make sure your wallet supports the BNB Smart Chain network before starting the exchange. Double-check your FDUSD address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the FDUSD address? Use a BNB Smart Chain address: it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Copy it from your wallet and paste it; never type it by hand. Sending FDUSD to an address on another network can lose the coins. ### Can I track my XLM to FDUSD 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 XLM payment on StellarExpert (https://stellar.expert) and your incoming FDUSD on BscScan (https://bscscan.com). ### Is it safe to exchange XLM for FDUSD on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the FDUSD is sent straight to the BNB Smart Chain address you enter, so check that address twice, BNB Smart Chain transfers cannot be reversed. ### Why swap XLM to FDUSD? Converting Stellar to First Digital USD moves the value into a dollar-pegged stablecoin in your own wallet, without using a centralized exchange or going through KYC. ### What happens if my XLM to FDUSD exchange fails? If a swap cannot be completed, the XLM is refunded to the Stellar 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: FDUSD to XLM](https://ghostswap.io/exchange/fdusd-xlm/) ([Markdown](https://ghostswap.io/exchange/fdusd-xlm.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)