XLM to USDT BEP20: Exchange Stellar for Tether (BEP20) Without KYC

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.

  • 5–15 min
  • No account · No KYC
  • Non-custodial
  • Fees included in quote
Crypto Exchange
Buy Crypto
XLM
XLM
USDT (BEP20)
USDT (BEP20)


⚠️ 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.

Stellar Logo
XLM
Stellar
Price:
$0.1990
24h Change:
-3.43%
Market Cap:
$6.97B
Volume (24h):
$176.32M
Circulating Supply:
35.04B XLM
Tether Binance Smart Chain Logo
USDT (BEP20)
Tether (USDT) on BNB Smart Chain
Price:
$0.9994
24h Change:
-0.04%
Market Cap:
$183.98B
Volume (24h):
$71.75B
Circulating Supply:
184.09B USDT (BEP20)

Data by CoinGecko

XLM to USDT (BEP20) Exchange Rate

1 XLM = 0.199125 USDT (BEP20)

The 1 Stellar to Tether (USDT) on BNB Smart Chain 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 USDT BEP20 swap at a glance

Everything that is specific to swapping Stellar to Tether on GhostSwap.

Stellar (XLM)You send · Stellar network
Tether (USDT BEP20)You receive · BEP-20 token on BNB Smart Chain

Swapping into USDT BEP20 locks in a dollar value without selling on a centralized exchange. It is a cross-chain swap from Stellar to BNB Smart Chain, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your USDT BEP20 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 BEP20 on BscScan
Your USDT BEP20 address
BNB Smart Chain addressIt starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby.
Reference rate
1 XLM ≈ 0.199125 USDT BEP201 USDT BEP20 ≈ 5.0220 XLM · market prices, 8 Oct 2026
Deposit Memo
Include it if shownCopy the Memo from the deposit screen exactly.
  1. Send XLMA few seconds to confirm on Stellar
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive USDT BEP20Sent to your address; BNB Smart Chain confirms in under a minute
Facts checked 8 Oct 2026Reverse: USDT BEP20 to XLM

Going the other way? Swap USDT BEP20 to XLM

Other ways to get Tether (BEP20) (USDT BEP20)

BTC to USDT BEP20ETH to USDT BEP20USDT to USDT BEP20USDT TRC20 to USDT BEP20USDC to USDT BEP20SOL to USDT BEP20LTC to USDT BEP20XMR to USDT BEP20ZEC to USDT BEP20BNB to USDT BEP20XRP to USDT BEP20DOGE to USDT BEP20XTZ to USDT BEP20ZRX to USDT BEP20

More XLM swaps

XLM to ETHXLM to XMRXLM to USDCXLM to BNBXLM to USDT TRC20XLM to XRPXLM to TRXXLM to SOLXLM to BTCXLM to HBARXLM to USDT PolygonXLM to USDT SOL

XLM to USDT BEP20 Live Price Chart

XLM/USDT (BEP20)

Loading chart...

Reference market prices, updated live

XLM

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.

USDTBSC

What is Tether (USDT) on BNB Smart Chain?

Tether (USDT (BEP20)) is the Tether stablecoin operating on the Binance Smart Chain (BSC). Pegged 1:1 to the U.S. Dollar, USDT on BSC offers faster transaction times and lower fees compared to Ethereum. It provides a stable medium of exchange within the BSC DeFi ecosystem.

XLM → USDTBSC

Why Swap XLM for USDT BEP20?

Swapping Stellar to Tether (USDT) on BNB Smart Chain 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 BNB Smart Chain 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 (BEP20) is in your own wallet.

Skip the centralized exchange

No exchange deposit or withdrawal delays and no KYC requirements. GhostSwap converts XLM to USDT (BEP20) directly.

No identity verification needed

Your Stellar to Tether (USDT) on BNB Smart Chain conversion requires no account, no ID upload, and no personal information. Swap privately, wallet to wallet.

Exchange XLM for USDT (BEP20) on GhostSwap. Most swaps are paid out within 5–15 minutes after you send your XLM.

XLM

Convert Stellar to Tether (USDT) on BNB Smart Chain

XLMUSDT (BEP20) at market price
100XLM19.9125USDT (BEP20)
250XLM49.7813USDT (BEP20)
500XLM99.5625USDT (BEP20)
1,000XLM199.1251USDT (BEP20)
2,500XLM497.8127USDT (BEP20)
5,000XLM995.6254USDT (BEP20)
25,000XLM4,978.13USDT (BEP20)
50,000XLM9,956.25USDT (BEP20)

At market prices of $0.199007 per XLM and $0.999407 per USDT (BEP20) (8 Oct 2026), 2,500 XLM is worth about 497.8127 USDT (BEP20). Your exact amount, after network fees, is shown in the exchange box before you send.

USDTBSC

Convert Tether (USDT) on BNB Smart Chain to Stellar

USDT (BEP20)XLM at market price
25USDT (BEP20)125.5492XLM
50USDT (BEP20)251.0985XLM
100USDT (BEP20)502.1969XLM
250USDT (BEP20)1,255.49XLM
500USDT (BEP20)2,510.98XLM
1,000USDT (BEP20)5,021.97XLM
5,000USDT (BEP20)25,109.85XLM
10,000USDT (BEP20)50,219.69XLM

Going the other way, 500 USDT (BEP20) is worth about 2,510.98 XLM at the same prices.

How to Exchange Stellar to Tether (BEP20)

Line Vector
Select Crypto Currency

Select XLM and USDT BEP20

Pick XLM in “You send” and USDT BEP20 in “You get”, then enter the amount. The box shows how much USDT BEP20 you get and the minimum XLM for this pair.

Select Wallet Address
Line Vector

Enter Tether (BEP20) Address

Paste the BNB Smart Chain address that should receive the USDT BEP20 (it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum)). Then enter the Stellar address you send XLM from; a refund, if ever needed, goes there.

Sent Crypto Currency
Line Vector

Send Stellar

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

Receive Crypto

Receive Tether (BEP20)

Your USDT BEP20 is usually paid out 5–15 minutes after you send your XLM, and BNB Smart Chain then confirms it in under a minute. Follow each step on the status page with your swap ID.

Popular swap pairs

Explore the most popular crypto exchange pairs, including BTC to ETH, ETH to XRP, and DOGE to USDT.

BTC
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ETH
ETH
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BTC
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SOL
ETH
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SOL
BTC
to
XMR
ETH
to
XMR
SOL
to
XMR
XMR
to
USDT
USDT
to
XMR
XMR
to
BTC
BTC
to
ZEC
ETH
to
ZEC
SOL
to
ZEC
ZEC
to
USDT
USDT
to
ZEC
ZEC
to
BTC
ETH
to
XRP
BTC
to
DOGE
DOGE
to
USDT
BTC
to
LTC
SHIB
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PEPE
PEPE
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SHIB
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BONK
to
USDT
WIF
to
USDT
POPCAT
to
USDT
DOGE
to
SHIB

XLM to USDT BEP20: questions and answers

Everything you need to know about exchanging XLM to USDT (BEP20) on GhostSwap.

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 0.199125 USDT BEP20 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 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.

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ALGO
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VET
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RAY
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