# XLM to USDT: Stellar to Tether (ERC20) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Tether (USDT, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into USDT locks in a dollar value without selling on a centralized exchange. Most XLM to USDT swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-usdt20/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Tether (USDT), ERC-20 token on Ethereum | | Your USDT address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | Deposit Memo.ID | If the deposit screen shows a Memo.ID for your XLM, include it exactly. | | Deposit network fee | Paid in XLM by your wallet | | Deposit confirmation | A few seconds on Stellar | | USDT payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes | | Typical swap time | 5–15 minutes until your USDT is sent | | Reference rate | 1 XLM ≈ 0.212688 USDT · 1 USDT ≈ 4.7017 XLM (market prices, 2 Oct 2026) | | Limits | Minimum about 150 XLM. 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; USDT on Etherscan | | Reverse swap | [USDT to XLM](https://ghostswap.io/exchange/usdt20-xlm/) | ## How much USDT you get (quoted 2 Oct 2026, 19:49 UTC, after all fees) | You send | You receive | |---|---| | 500 XLM | 104.6026 USDT | | 2500 XLM | 524.0773 USDT | | 10000 XLM | 2,097.11 USDT | ## How to swap XLM to USDT 1. Open https://ghostswap.io/exchange/xlm-usdt20/ and enter the amount of XLM to send. 2. Paste the USDT 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 USDT in your wallet and follow the status page with your swap ID. ## XLM to USDT on Ethereum: when you need the ERC20 version This pair swaps Stellar Lumens into Tether issued as an ERC20 token on Ethereum. People pick it when the dollars are headed for Ethereum DeFi, a hardware wallet already set up for Ethereum, or a service that only accepts ERC20 USDT. The USDT goes to the 0x address you enter, with no account. The XLM deposit settles within seconds, and the USDT transfer then takes about 2 to 5 minutes to confirm on Ethereum, so most swaps finish in 5 to 15 minutes. Every later move of ERC20 USDT costs gas paid in ETH, usually more than a Stellar or Tron transfer, so check that Ethereum is really where you want the dollars. ### Tips - Paste an Ethereum address (0x plus 40 hex characters) from MetaMask, Rabby or a Ledger. The USDT is paid on Ethereum mainnet, not on a layer 2. - Keep a little ETH in the receiving wallet. USDT cannot pay its own gas, so you need ETH to move it later. - Send XLM from your own Stellar wallet and use its G address as the refund address. Add the Memo ID to the Stellar payment if the deposit screen shows one; the USDT side has no memo. ### Can I swap XLM to USDT ERC20 with no KYC? Yes. Standard swaps need no account, email or ID. Enter your 0x address, check the floating rate and send the XLM. ### Should I pick USDT ERC20 or USDT TRC20? Pick ERC20 if the USDT is going to an Ethereum wallet or app. If you only need to hold or send dollars, USDT TRC20 on Tron is listed as a separate receive coin and usually costs less to move. ## FAQ ### How long does it take to swap XLM to USDT on GhostSwap? Most XLM to USDT swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the USDT is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. ### How much is 1 XLM in USDT? 1 XLM is worth about 0.212688 USDT at the market rate, before fees (market prices, 2 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT network fee. The minimum for this pair is about 150 XLM. The Stellar network fee for sending the XLM is paid separately, in XLM. The rate floats with the market until your XLM deposit confirms. ### Can I send XLM straight to my USDT address? No. XLM moves on Stellar and USDT on Ethereum, so XLM can only be sent to a Stellar address. To swap, send the XLM to the one-time deposit address GhostSwap shows, and the USDT is paid to the Ethereum address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive USDT? Use an Ethereum address from a wallet you control, such as MetaMask, Rabby or a Ledger. The address starts with 0x followed by 40 hexadecimal characters. Sending USDT to an address on another network can lose the coins. GhostSwap never holds your funds: the USDT is sent straight to the address you enter. ### What happens if my XLM to USDT exchange fails? If a swap cannot be completed, the XLM is refunded to the Stellar address you entered as the sender address. ## Related - [Reverse: USDT to XLM](https://ghostswap.io/exchange/usdt20-xlm/) ([Markdown](https://ghostswap.io/exchange/usdt20-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)