# XLM to USDT BEP20: Stellar to Tether (BEP20): no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Tether (USDT BEP20, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. Swapping into USDT BEP20 locks in a dollar value without selling on a centralized exchange. Most XLM to USDT BEP20 swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-usdtbsc/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Tether (USDT BEP20), BEP-20 token on BNB Smart Chain | | Your USDT BEP20 address | BNB Smart Chain address that starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby | | Deposit Memo | If the deposit screen shows a Memo for your XLM, include it exactly. | | Deposit network fee | Paid in XLM by your wallet | | Deposit confirmation | A few seconds on Stellar | | USDT BEP20 payout | Sent to your address as soon as the swap completes; BNB Smart Chain confirms it in under a minute | | Typical swap time | 5–15 minutes until your USDT BEP20 is sent | | Reference rate | 1 XLM ≈ 0.199440 USDT BEP20 · 1 USDT BEP20 ≈ 5.0140 XLM (market prices, 12 Oct 2026) | | Limits | 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 BEP20 on BscScan | | Reverse swap | [USDT BEP20 to XLM](https://ghostswap.io/exchange/usdtbsc-xlm/) | ## How to swap XLM to USDT BEP20 1. Open https://ghostswap.io/exchange/xlm-usdtbsc/ and enter the amount of XLM to send. 2. Paste the USDT BEP20 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 BEP20 in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to USDT BEP20 on GhostSwap? Most XLM to USDT BEP20 swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the USDT BEP20 is sent to your wallet, and BNB Smart Chain confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 XLM in USDT BEP20? 1 XLM is worth about 0.199440 USDT BEP20 at the market rate, before fees (market prices, 12 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT BEP20 network fee. The rate floats with the market until your XLM deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange XLM to USDT BEP20? No. GhostSwap has no accounts: you paste the BNB Smart Chain address that should receive the USDT BEP20, send XLM from your own wallet, and the USDT BEP20 goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to Tether (BEP20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT BEP20 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 USDT BEP20? To receive Tether (BEP20) from your swap, we recommend using Trust Wallet, MetaMask or Rabby. Make sure your wallet supports the BNB Smart Chain (BEP-20) network before starting the exchange. Double-check your USDT BEP20 address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDT BEP20 address? Use a BNB Smart Chain address: it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Copy it from your wallet and paste it; never type it by hand. Sending USDT BEP20 to an address on another network can lose the coins. ### Can I track my XLM to USDT BEP20 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 USDT BEP20 on BscScan (https://bscscan.com). ### Is it safe to exchange XLM for USDT BEP20 on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the USDT BEP20 is sent straight to the BNB Smart Chain address you enter, so check that address twice, BNB Smart Chain transfers cannot be reversed. ### Why swap XLM to USDT BEP20? Converting Stellar to Tether (BEP20) 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 USDT BEP20 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. ## Related - [Reverse: USDT BEP20 to XLM](https://ghostswap.io/exchange/usdtbsc-xlm/) ([Markdown](https://ghostswap.io/exchange/usdtbsc-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)