Exchange Stellar to USD Coin (XLM to USDC) Instantly Without KYC

Send Stellar (XLM) and receive USD Coin (USDC, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into USDC locks in a dollar value without selling on a centralized exchange.

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


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

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Stellar Logo
XLM
Stellar
Price:
$0.2177
24h Change:
-5.66%
Market Cap:
$7.63B
Volume (24h):
$236.31M
Circulating Supply:
35.04B XLM
USD Coin Ethereum Chain Logo
USDC
USD Coin (USDC) on Ethereum
Price:
$0.9999
24h Change:
0.01%
Market Cap:
$73.97B
Volume (24h):
$20.93B
Circulating Supply:
73.98B USDC

Data by CoinGecko

XLM to USDC Exchange Rate

1 XLM = 0.217728 USDC

The 1 Stellar to USD Coin (USDC) on Ethereum 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

XLM to USDC swap at a glance

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

Stellar (XLM)You send · Stellar network
USD Coin (USDC)You receive · ERC-20 token on Ethereum

Swapping into USDC locks in a dollar value without selling on a centralized exchange. It is a cross-chain swap from Stellar to Ethereum, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your USDC is sent
Network fee
Paid in XLMby your wallet
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pageXLM on StellarExpert · USDC on Etherscan
Your USDC address
Ethereum addressIt starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger.
Reference rate
1 XLM ≈ 0.217728 USDC1 USDC ≈ 4.5929 XLM · market prices, 2 Oct 2026
Minimum
About 140 XLMThe exact minimum and maximum are shown in the exchange box before you send.
Deposit Memo.ID
Include it if shownCopy the Memo.ID from the deposit screen exactly.
  1. Send XLMA few seconds to confirm on Stellar
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive USDCSent to your address; Ethereum confirms in about 2–5 minutes
Facts checked 2 Oct 2026Reverse: USDC to XLM

How much USDC do you get for XLM?

GhostSwap quotes at 2 Oct 2026, 00:43 UTC. What lands in your wallet: service fee and USDC network fee already deducted.

Fees included
500XLM
107.5766USDC
2,500XLM
538.9619USDC
10,000XLM
2,156.66USDC

The rate floats with the market until your XLM deposit confirms. The minimum for this pair is about 140 XLM. Enter any amount in the exchange box above for a live quote; no account needed.

XLM to USDC on Ethereum: check which chain you want

This pair sells Stellar Lumens for USD Coin paid on Ethereum, as an ERC-20 token to a 0x address. It suits Stellar holders who want a dollar balance for Ethereum apps, a hardware wallet, or services that only accept ERC-20 USDC. No account is needed.

Stellar settles the XLM deposit within seconds, and the USDC payout then confirms on Ethereum in about 2–5 minutes. USDC is also issued natively on Stellar. If you want to keep your dollars on Stellar, pick USDC (Stellar) as the receive coin instead, because a G address cannot receive this pair's ERC-20 payout.

Tips for this swap

  • Paste an Ethereum address (0x plus 40 hex characters) from MetaMask, Rabby or a Ledger. You will need a little ETH in that wallet to move the USDC later.
  • If your wallet does not list the USDC, add it by Circle's Ethereum contract, 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. Tokens with the same name at other contracts are not USDC.
  • Send XLM from Lobstr, Solar or a Ledger and enter its G address as the refund address. If the deposit screen shows a Memo ID, include it in the Stellar payment exactly.

Can I swap XLM to USDC without KYC?

Yes. A standard swap needs no account, email or ID. Enter your Ethereum address, check the floating rate and send the XLM; the USDC goes to that address.

Do I need a memo to receive the USDC?

No. ERC-20 USDC on Ethereum uses no memo. The only memo on this pair is the one that may come with the XLM deposit address.

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

Going the other way? Swap USDC to XLM

Other ways to get USD Coin (USDC)

BTC to USDCETH to USDCUSDT to USDCUSDT TRC20 to USDCSOL to USDCLTC to USDCXMR to USDCZEC to USDCBNB to USDCXRP to USDCDOGE to USDCTRX to USDC

More XLM swaps

XLM to LEOXLM to CROXLM to RLUSDXLM to MEWXLM to PYUSDXLM to USDT TRC20XLM to ZECXLM to SANDXLM to AAVEXLM to UNIXLM to LDOXLM to HYPE

XLM to USDC Live Price Chart

XLM/USDC

Loading chart...

Reference market prices, updated live

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. Exchange XLM on GhostSwap to swap Stellar Lumens for any supported cryptocurrency — fast, private, and without KYC verification.

USDC

What is USD Coin (USDC) on Ethereum?

USD Coin (USDC) on Ethereum is a regulated stablecoin pegged 1:1 to the US Dollar, issued by Circle. Unlike algorithmic stablecoins, USDC is backed by cash and short-term US Treasury bonds, with regular attestations of reserves. USDC is widely used across DeFi protocols for lending, borrowing, and providing liquidity, and is accepted as payment by a growing number of merchants. As an ERC-20 token, USDC benefits from Ethereum's vast ecosystem but incurs gas fees for transfers. Exchange USDC on GhostSwap to move between stablecoin positions and volatile crypto assets privately — no identity verification, no registration, no fuss.

XLM → USDC

Why Swap XLM for USDC?

Swapping Stellar to USD Coin (USDC) on Ethereum on GhostSwap lets you lock in your crypto gains by moving into a dollar-pegged stablecoin — all without KYC, account creation, or using a centralized exchange. When the market turns volatile, converting XLM to USDC protects your portfolio value while keeping your funds in the crypto ecosystem and ready for your next move.

Protect gains from market volatility

USD Coin (USDC) on Ethereum maintains a stable 1:1 peg to the US dollar, so your value is preserved regardless of what Stellar does next.

Stay in crypto without the risk

No need to cash out to a bank account. Your USDC is in your own wallet, ready when you spot your next opportunity.

Skip the centralized exchange

Avoid exchange deposit/withdrawal delays, trading fees, and KYC requirements. GhostSwap converts XLM to USDC directly.

No identity verification needed

Your Stellar to USD Coin (USDC) on Ethereum conversion requires no account, no ID upload, and no personal information. Swap privately, wallet to wallet.

Exchange XLM for USDC on GhostSwap to hedge your position. Most swaps finish in 5–15 minutes after you send your XLM.

XLM

Convert Stellar to USD Coin (USDC) on Ethereum

XLMUSDC
100XLM21.7728USDC
250XLM54.4319USDC
500XLM108.8638USDC
1,000XLM217.7276USDC
2,500XLM544.3190USDC
5,000XLM1,088.64USDC
25,000XLM5,443.19USDC
50,000XLM10,886.38USDC

At market prices of $0.217703 per XLM and $0.999887 per USDC (2 Oct 2026), 2,500 XLM is worth about 544.3190 USDC. Your exact amount, after network fees, is shown in the exchange box before you send.

USDC

Convert USD Coin (USDC) on Ethereum to Stellar

USDCXLM
25USDC114.8224XLM
50USDC229.6447XLM
100USDC459.2895XLM
250USDC1,148.22XLM
500USDC2,296.45XLM
1,000USDC4,592.89XLM
5,000USDC22,964.47XLM
10,000USDC45,928.95XLM

Going the other way, 500 USDC is worth about 2,296.45 XLM at the same prices.

How to Exchange Stellar to USD Coin

Line Vector
Select Crypto Currency

Select XLM and USDC

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

Select Wallet Address
Line Vector

Enter USD Coin Address

Paste the Ethereum address that should receive the USDC (it starts with 0x followed by 40 hexadecimal characters).

Sent Crypto Currency
Line Vector

Send Stellar

Send exactly the amount shown from your own Stellar wallet to the one-time deposit address.

Receive Crypto

Receive USD Coin

Your USDC arrives on Ethereum, usually 5–15 minutes after you send. Follow each step on the status page with your swap ID.

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XLM to USDC: questions and answers

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

How long does it take to swap XLM to USDC on GhostSwap?
Most XLM to USDC swaps finish in 5–15 minutes. Your XLM deposit needs a few seconds to confirm on Stellar; after that the USDC is sent to your wallet and Ethereum confirms it in about 2–5 minutes. Busy networks can add a few minutes.
How much USDC do I get for 10,000 XLM?
At 2 Oct 2026, 00:43 UTC, 10,000 XLM swapped to about 2,156.66 USDC on GhostSwap, after the service fee and the USDC network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.
Do I need KYC or an account to exchange XLM to USDC?
No. GhostSwap has no accounts: you paste the Ethereum address that should receive the USDC, send XLM from your own wallet, and the USDC goes straight to that address. No email, phone number or ID upload.
What are the fees for converting Stellar to USD Coin?
The GhostSwap fee is already included in the rate in the exchange box, so the USDC 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 USDC?
To receive USD Coin from your swap, we recommend using MetaMask, Trust Wallet, or Coinbase Wallet. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your USDC address before confirming — cryptocurrency transactions cannot be reversed.
What format is the USDC address?
Use a Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending USDC to an address on another network can lose the coins.
Can I track my XLM to USDC 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 USDC on Etherscan (https://etherscan.io).
Is it safe to exchange XLM for USDC on GhostSwap?
GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the USDC is sent straight to the Ethereum address you enter, so check that address twice — Ethereum transfers cannot be reversed.
Why swap XLM to USDC?
Converting Stellar to USD Coin lets you exit a volatile crypto position into a dollar-pegged stablecoin without using a centralized exchange or going through KYC. This is useful for locking in profits, protecting against market downturns, or preparing funds for future trades — all while maintaining your privacy.
What happens if my XLM to USDC 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.

Swap XLM to other coins

Easily swap Stellar with a wide range of cryptocurrencies. Choose your desired pair and complete the transaction seamlessly in just a few clicks

XLM
to
BTC
XLM
to
ETH
XLM
to
SOL
XLM
to
BNB
XLM
to
XRP
XLM
to
ADA
XLM
to
DOGE
XLM
to
TRX
XLM
to
LINK
XLM
to
USDC
XLM
to
USDT
XLM
to
USDT TRC20
XLM
to
USDC BEP20
XLM
to
USDC SOL
XLM
to
USDT BEP20
XLM
to
USDT SOL
XLM
to
USDT AVAX
XLM
to
USDT Polygon
XLM
to
PYUSD
XLM
to
FDUSD
XLM
to
XMR
XLM
to
ZEC
XLM
to
DASH
XLM
to
SHIB
XLM
to
AVAX
XLM
to
SUI
XLM
to
PEPE
XLM
to
BCH
XLM
to
DOT
XLM
to
LTC
XLM
to
UNI
XLM
to
CRO
XLM
to
ICP
XLM
to
WIF
XLM
to
ETC
XLM
to
POL
XLM
to
ATOM
XLM
to
APT
XLM
to
ARB
XLM
to
OP
XLM
to
FIL
XLM
to
ALGO
XLM
to
BONK
XLM
to
INJ
XLM
to
VET
XLM
to
HBAR
XLM
to
KAS
XLM
to
ZRX
XLM
to
AAVE
XLM
to
APE
XLM
to
BABYDOGE
XLM
to
BEAMX
XLM
to
BOME
XLM
to
BRETT
XLM
to
BTT
XLM
to
DEGEN
XLM
to
DRIFT
XLM
to
ELON
XLM
to
FLOKI
XLM
to
IMX
XLM
to
JUP
XLM
to
MEW
XLM
to
NOT
XLM
to
ORCA
XLM
to
PONKE
XLM
to
POPCAT
XLM
to
RAY
XLM
to
RENDER
XLM
to
SAND
XLM
to
SUNDOG
XLM
to
TAO
XLM
to
THETA
XLM
to
TIA