XLM to USDC: Exchange Stellar for USD Coin 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

You Send

XLM

You Get

USDC

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.

XLM

Stellar

Price:

$0.1855

24h Change:

2.09%

Market Cap:

$6.53B

Volume (24h):

$140.58M

Circulating Supply:

35.22B XLM

USDC

USD Coin (USDC) on Ethereum

Price:

$0.9997

24h Change:

-0.01%

Market Cap:

$72.35B

Volume (24h):

$14.54B

Circulating Supply:

72.38B USDC

Data by CoinGecko

XLM to USDC Exchange Rate

1 XLM = 0.185545 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 ≈ 0.185545 USDC1 USDC ≈ 5.3895 XLM · market prices, 21 Oct 2026

Minimum

About 170 XLMThe exact minimum and maximum are shown in the exchange box before you send.

Deposit Memo

Include it if shownCopy the Memo from the deposit screen exactly.

Send XLMA few seconds to confirm on Stellar
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive USDCSent to your address; Ethereum confirms in about 2–5 minutes

Facts checked 21 Oct 2026Reverse: USDC to XLM

How much USDC do you get for XLM?

GhostSwap quotes at 21 Oct 2026, 21:30 UTC. What lands in your wallet: service fee and USDC network fee already deducted.

Fees included

500XLM

91.2077USDC

2,500XLM

457.0143USDC

10,000XLM

1,828.56USDC

The rate floats with the market until your XLM deposit confirms. The minimum for this pair is about 170 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, Freighter 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

XLM to USDC Live Price Chart

XLM/USDC

Loading chart...

Reference market prices, updated live

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.

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.

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Why Swap XLM for USDC?

Swapping Stellar to USD Coin (USDC) on Ethereum with GhostSwap moves your funds into a dollar-pegged stablecoin, all without KYC, account creation, or using a centralized exchange.

A dollar-pegged balance

USD Coin (USDC) on Ethereum is designed to keep a 1:1 peg to the US dollar, so the balance follows the dollar rather than the price of Stellar.

Stay in crypto

No need to cash out to a bank account. Your USDC is in your own wallet.

Skip the centralized exchange

No exchange deposit or withdrawal delays and no 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. Most swaps are paid out within 5–15 minutes after you send your XLM.

Convert Stellar to USD Coin (USDC) on Ethereum

XLM	USDC at market price
170XLM	31.5426USDC
250XLM	46.3862USDC
500XLM	92.7723USDC
1,000XLM	185.5447USDC
2,500XLM	463.8617USDC
5,000XLM	927.7233USDC
25,000XLM	4,638.62USDC
50,000XLM	9,277.23USDC

At market prices of $0.185489 per XLM and $0.999700 per USDC (21 Oct 2026), 2,500 XLM is worth about 463.8617 USDC. Your exact amount, after network fees, is shown in the exchange box before you send.

Convert USD Coin (USDC) on Ethereum to Stellar

USDC	XLM at market price
25USDC	134.7384XLM
50USDC	269.4769XLM
100USDC	538.9538XLM
250USDC	1,347.38XLM
500USDC	2,694.77XLM
1,000USDC	5,389.54XLM
5,000USDC	26,947.69XLM
10,000USDC	53,895.38XLM

Going the other way, 500 USDC is worth about 2,694.77 XLM at the same prices.

How to Exchange Stellar to USD Coin

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.

Enter USD Coin Address

Paste the Ethereum address that should receive the USDC (it starts with 0x followed by 40 hexadecimal characters). Then enter the Stellar address you send XLM from; a refund, if ever needed, goes there.

Send Stellar

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

Receive USD Coin

Your USDC is usually paid out 5–15 minutes after you send your XLM, and Ethereum then confirms it in about 2–5 minutes. 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 are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the USDC is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes.

How much is 1 XLM in USDC?

1 XLM is worth about 0.185545 USDC at the market rate, before fees (market prices, 21 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDC network fee. The minimum for this pair is about 170 XLM. The rate floats with the market until your XLM deposit confirms, so the exchange box shows the exact amount before you send.

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, Rabby or a Ledger. 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 an 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 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 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.

XLM to USDC: Exchange Stellar for USD Coin Without KYC

XLM to USDC Exchange Rate

XLM to USDC swap at a glance

How much USDC do you get for XLM?

XLM to USDC on Ethereum: check which chain you want

Tips for this swap

Can I swap XLM to USDC without KYC?

Do I need a memo to receive the USDC?

Other ways to get USD Coin (USDC)

More XLM swaps

XLM to USDC Live Price Chart

XLM/USDC

What is Stellar?

What is USD Coin (USDC) on Ethereum?

Why Swap XLM for USDC?

Convert Stellar to USD Coin (USDC) on Ethereum

Convert USD Coin (USDC) on Ethereum to Stellar

How to Exchange Stellar to USD Coin

Select XLM and USDC

Enter USD Coin Address

Send Stellar

Receive USD Coin

Popular swap pairs

XLM to USDC: questions and answers

Swap XLM to other coins