XLM to USDT: Exchange Stellar for Tether (ERC20) Without KYC

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.

5–15 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

XLM

You Get

USDT (ERC20)

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:

$0.1990

24h Change:

-3.43%

Market Cap:

$6.97B

Volume (24h):

$176.32M

Circulating Supply:

35.04B XLM

USDT (ERC20)

Tether (USDT) on Ethereum

Price:

$0.9994

24h Change:

-0.04%

Market Cap:

$183.98B

Volume (24h):

$71.75B

Circulating Supply:

184.09B USDT (ERC20)

Data by CoinGecko

XLM to USDT (ERC20) Exchange Rate

1 XLM = 0.199125 USDT (ERC20)

The 1 Stellar to Tether (USDT) on Ethereum reference rate at market prices, before fees.

Live market rate

XLM to USDT swap at a glance

Send XLM from Lobstr or Freighter.

Stellar (XLM)You send · Stellar network

Tether (USDT)You receive · ERC-20 token on Ethereum

It is a cross-chain swap from Stellar to Ethereum, with no bridge and no wrapped tokens.

Swap time

5–15 minuntil your USDT 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 · USDT on Etherscan

Your USDT address

Ethereum addressIt starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger.

Reference rate

1 XLM ≈ 0.199125 USDT1 USDT ≈ 5.0220 XLM · market prices, 8 Oct 2026

Minimum

About 160 XLM

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 USDTSent to your address; Ethereum confirms in about 2–5 minutes

Facts checked 8 Oct 2026Reverse: USDT to XLM

How much USDT do you get for XLM?

GhostSwap quotes at 8 Oct 2026, 07:35 UTC, after the service fee and the cost of sending the USDT to your wallet.

Fees included

500XLM

98.2980USDT

2,500XLM

492.5174USDT

10,000XLM

1,970.84USDT

The rate floats with the market until your XLM deposit confirms.

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 for this swap

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.

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

XLM to USDT Live Price Chart

XLM/USDT (ERC20)

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 Tether (USDT) on Ethereum?

Tether on Ethereum (USDT ERC-20) is the most widely used stablecoin in cryptocurrency, pegged 1:1 to the US Dollar. USDT provides a stable store of value within the volatile crypto market, making it essential for traders who want to lock in profits or park funds without converting to fiat. As an ERC-20 token on Ethereum, USDT benefits from the broadest DeFi ecosystem support and the most exchange integrations of any stablecoin network. Note that Ethereum gas fees apply to ERC-20 USDT transfers.

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Why Swap XLM for USDT?

Swapping Stellar to Tether (USDT) 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

Tether (USDT) 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 USDT (ERC20) is in your own wallet.

Convert Stellar to Tether (USDT) on Ethereum

XLM	USDT (ERC20) at market price
160XLM	31.8600USDT (ERC20)
250XLM	49.7813USDT (ERC20)
500XLM	99.5625USDT (ERC20)
1,000XLM	199.1251USDT (ERC20)
2,500XLM	497.8127USDT (ERC20)
5,000XLM	995.6254USDT (ERC20)
25,000XLM	4,978.13USDT (ERC20)
50,000XLM	9,956.25USDT (ERC20)

At market prices of $0.199007 per XLM and $0.999407 per USDT (ERC20) (8 Oct 2026), 2,500 XLM is worth about 497.8127 USDT (ERC20).

Convert Tether (USDT) on Ethereum to Stellar

USDT (ERC20)	XLM at market price
31USDT (ERC20)	155.6810XLM
50USDT (ERC20)	251.0985XLM
100USDT (ERC20)	502.1969XLM
250USDT (ERC20)	1,255.49XLM
500USDT (ERC20)	2,510.98XLM
1,000USDT (ERC20)	5,021.97XLM
5,000USDT (ERC20)	25,109.85XLM
10,000USDT (ERC20)	50,219.69XLM

Going the other way, 500 USDT (ERC20) is worth about 2,510.98 XLM at the same prices.

How to Exchange Stellar to Tether (ERC20)

Select XLM and USDT

Pick XLM in “You send” and USDT in “You get”, then enter the amount.

Enter Tether (ERC20) Address

Paste the Ethereum address that should receive the USDT. Sending USDT to an address on another network can lose the coins. 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 Tether (ERC20)

Your USDT arrives on Ethereum. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other XLM and USDT pairs.

XLM to USDT: questions and answers

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 0.199125 USDT at the market rate, before fees (market prices, 8 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 160 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.