XLM to USDC: Swap Stellar Lumens to USD Coin on Ethereum, No KYC
To swap XLM to USDC, enter the XLM amount, paste the 0x Ethereum address that should receive the USD Coin and the G address you send from, then make a Stellar payment to the deposit address, with the Memo copied exactly if the deposit screen gives one. There is no sign-up or ID check, and the USDC arrives as an ERC-20 token on Ethereum, so later moves of it are paid in ETH.
- Within minutes
- No account · No KYC
- Paid to your wallet
- Fees included in quote
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Data by CoinGecko
XLM to USDC Exchange Rate
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.
XLM to USDC swap at a glance
Everything that is specific to swapping Stellar to USD Coin on GhostSwap.
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.
- 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
How much USDC do you get for XLM?
GhostSwap quotes at 12 Nov 2026, 00:43 UTC. What lands in your wallet: service fee and USDC network fee already deducted.
500XLM2,500XLM10,000XLMThe rate floats with the market until your XLM deposit confirms. The minimum for this pair is about 210 XLM. Enter any amount in the exchange box above for a live quote; no account needed.
Which USDC this pair pays: the Ethereum one
Circle issues USD Coin on several chains, and Stellar is one of them. That is the first thing to settle, because this page does not keep your dollars on Stellar. It pays USDC as an ERC-20 token on Ethereum, to an address that begins with 0x. A G address from Lobstr or Freighter cannot receive it, and the form will not accept one in the payout field.
So this pair fits a specific plan: the dollars are headed for something that lives on Ethereum. A lending or trading app that only takes ERC-20, a Ledger account you already use for Ethereum tokens, or a person or service that asked for USDC on Ethereum by name.
If the dollars should instead sit on a cheaper chain, the exchange box has other versions. XLM to USDC SOL pays on Solana and XLM to USDC BEP20 pays on BNB Smart Chain. Pick the version first, then copy the address that matches it.
Making the Stellar payment, Memo included
The XLM leaves as an ordinary Stellar payment from Lobstr, Freighter or a Ledger. Stellar closes ledgers every few seconds and the fee is a tiny amount of XLM, so this side of the swap is quick and cheap.
After you create the swap, look closely at the deposit screen. If it shows a Memo, paste it into the Memo field of your wallet exactly, with no extra spaces and the same memo type your wallet offers by default for that value. If the screen shows no Memo, leave that field blank. That is all the Memo needs on this pair.
Every Stellar account must hold a minimum balance, the base reserve, plus a little more for each trust line it keeps. That part cannot be sent. Lobstr and Freighter show what is spendable, so swap that figure and not the total. In the sender field, enter the same G address the payment leaves from: 56 characters, starting with G.
Your 0x address and the USDC contract
The payout field needs an Ethereum address: 0x followed by 40 hexadecimal characters, from MetaMask, Rabby or the Ethereum app on a Ledger. Copy it with the wallet's copy button. A typo that still forms a valid address sends the USDC to an account nobody controls.
Real USDC on Ethereum lives at one contract, 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. If your wallet does not show the new balance, add the token by that contract. Do not paste the contract into the payout field; it is the token itself, not a wallet. Tokens called USDC at any other contract are copies and are worth nothing.
Ethereum includes the payout in about 2 to 5 minutes. You can watch it arrive on Etherscan by searching your own address, and follow the Stellar deposit on StellarExpert.
Stellar and Ethereum side by side
| XLM (you send) | USDC (you get) | |
|---|---|---|
| Chain | Stellar | Ethereum, ERC-20 |
| Address | G plus 55 characters | 0x plus 40 hex |
| Extra field | Memo, only if shown | None |
| Fee coin | XLM | ETH |
| Confirmation | A few seconds | About 2 to 5 minutes |
| Wallets | Lobstr, Freighter, Ledger | MetaMask, Rabby, Ledger |
| Explorer | StellarExpert | Etherscan |
The big shift is the fee coin. On Stellar, a payment costs almost nothing and is paid in XLM. On Ethereum, every move of the USDC is paid in ETH, and gas there is usually far higher than Stellar fees. Plan to make fewer, larger transfers on the Ethereum side. The guide on stablecoin fees across networks compares the chains in more depth.
Why Stellar holders take dollars on Ethereum
XLM moves with the wider market. Turning part of it into USD Coin fixes a dollar value without leaving self-custody, and taking that USDC on Ethereum puts it where the largest set of dollar apps already works. Some holders do this before a payment that is due in USDC; others park a share of their XLM while the market is rough.
The quote is built from aggregated liquidity from leading crypto markets. It floats with the XLM price until the Stellar deposit confirms, and the box shows the USDC you get after fees before you send. Since Stellar confirms in seconds, the floating window is short, and most swaps finish within minutes.
The swap involves no sign-up and no ID check. Remember that Circle can freeze USDC at a given address on any chain; that is a feature of the token, not of the swap. To go back to Stellar later, use USDC to XLM.
If something goes wrong
If a swap cannot be completed, the coins are refunded to the sender address you entered. On this pair that is your Stellar G address, so use one from a wallet where you hold the secret key. XLM sent from an exchange account leaves from the exchange's shared address, and a refund there needs your personal Memo to find you, which is easy to lose track of.
Your swap ID opens its own status page. If StellarExpert shows your payment and the status page has not moved after a long wait, write to support@ghostswap.io with the swap ID and the Stellar transaction hash. Do not send a second payment for the same swap while you wait.
A missing Memo is the most common cause of a slow deposit on Stellar. If you left out one that the screen showed, say so in your message to support.
Common mistakes
- Pasting a Stellar G address in the payout field: this pair pays USDC on Ethereum, which needs a 0x address.
- Skipping the Memo that the deposit screen displays, or inventing one when it shows none.
- Trying to send the full XLM balance, including the base reserve that Stellar locks in every account.
- Receiving USDC on a fresh Ethereum address with no ETH, so it cannot be moved on.
- Adding a token named USDC from a contract other than Circle's 0xA0b8...eB48.
Going the other way? Swap USDC to XLM
Other ways to get USD Coin (USDC)
BTC to USDC
ETH to USDC
USDT to USDC
USDT TRC20 to USDC
SOL to USDC
LTC to USDC
XMR to USDC
BNB to USDC
XRP to USDCMore XLM swaps
XLM to USDC Live Price Chart
XLM/USDC
Reference market prices, updated live
Convert Stellar to USD Coin (USDC) on Ethereum
| XLM | USDC at market price |
|---|---|
| 250XLM | 36.9479USDC |
| 500XLM | 73.8958USDC |
| 2,500XLM | 369.4791USDC |
| 5,000XLM | 738.9583USDC |
| 25,000XLM | 3,694.79USDC |
| 50,000XLM | 7,389.58USDC |
At market prices of $0.147725 per XLM and $0.999549 per USDC (12 Nov 2026), 5,000 XLM is worth about 738.9583 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 |
|---|---|
| 31USDC | 209.7547XLM |
| 50USDC | 338.3141XLM |
| 100USDC | 676.6282XLM |
| 250USDC | 1,691.57XLM |
| 500USDC | 3,383.14XLM |
| 1,000USDC | 6,766.28XLM |
| 5,000USDC | 33,831.41XLM |
| 10,000USDC | 67,662.82XLM |
Going the other way, 500 USDC is worth about 3,383.14 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 paid out once your XLM deposit confirms, and Ethereum then confirms it in about 2–5 minutes. Most swaps finish within minutes. The exact time depends on how fast each network confirms your deposit. Follow each step on the status page with your swap ID.
XLM to USDC: questions and answers
Everything you need to know about exchanging XLM to USDC on GhostSwap.