# XLM to USDT TRC20: Stellar to Tether (TRC20) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Tether (USDT TRC20, a TRC-20 token on Tron) in your own wallet, with no account and no KYC. Swapping into USDT TRC20 locks in a dollar value without selling on a centralized exchange. Most XLM to USDT TRC20 swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-usdtrx/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Tether (USDT TRC20), TRC-20 token on Tron | | Your USDT TRC20 address | Tron address that starts with T and is 34 characters long. Wallets: TronLink or Trust Wallet | | 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 TRC20 payout | Sent to your address as soon as the swap completes; Tron confirms it in about a minute | | Typical swap time | 5–15 minutes until your USDT TRC20 is sent | | Reference rate | 1 XLM ≈ 0.212810 USDT TRC20 · 1 USDT TRC20 ≈ 4.6990 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 TRC20 on Tronscan | | Reverse swap | [USDT TRC20 to XLM](https://ghostswap.io/exchange/usdtrx-xlm/) | ## How much USDT TRC20 you get (quoted 2 Oct 2026, 21:42 UTC, after all fees) | You send | You receive | |---|---| | 500 XLM | 104.2458 USDT TRC20 | | 2500 XLM | 524.1141 USDT TRC20 | | 10000 XLM | 2,098.62 USDT TRC20 | ## How to swap XLM to USDT TRC20 1. Open https://ghostswap.io/exchange/xlm-usdtrx/ and enter the amount of XLM to send. 2. Paste the USDT TRC20 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 TRC20 in your wallet and follow the status page with your swap ID. ## Stellar Lumens to Tron USDT: memo going in, T address coming out XLM to USDT TRC20 turns Stellar Lumens into Tether on Tron, a network widely used for peer-to-peer dollar payments and low-cost USDT transfers. It suits Stellar holders who want a stable dollar balance that many wallets and payment services accept. The USDT is paid to your own Tron address, with no account. Stellar ledgers close every few seconds and Tron confirms the payout in about a minute, so most swaps finish in 5 to 15 minutes. XLM deposit addresses can be shared between swaps, so the deposit screen may show a Memo ID that ties your payment to your swap. If one is shown, put it in the memo field of your Stellar payment. ### Tips - Paste a Tron address that starts with T and is 34 characters long, from TronLink or Trust Wallet. The USDT payout needs no memo. - Moving USDT on Tron later costs TRX (or energy), so put a little TRX in the receiving address before you plan to send the USDT on. - Send XLM from your own Stellar wallet, such as Lobstr or Freighter, and enter its G address as the refund address. ### Can I swap XLM to USDT TRC20 without an account? Yes. There is no sign-up, email or ID for a standard swap. Paste your Tron address, check the floating rate and send the XLM, with the Memo ID if one is shown. ### What if I sent the XLM without the Memo ID? Then the deposit may not be linked to your swap automatically. Write to GhostSwap support with your swap ID and the hash of the Stellar payment so they can locate it. ## FAQ ### How long does it take to swap XLM to USDT TRC20 on GhostSwap? Most XLM to USDT TRC20 swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the USDT TRC20 is sent to your wallet, and Tron confirms the payout in about a minute. Busy networks can add a few minutes. ### How much is 1 XLM in USDT TRC20? 1 XLM is worth about 0.212810 USDT TRC20 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 TRC20 network fee. The minimum for this pair is about 150 XLM. The rate floats with the market until your XLM deposit confirms, so the exchange box shows the exact amount before you send. ### What are the fees for converting Stellar to Tether (TRC20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT TRC20 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 TRC20? To receive Tether (TRC20) from your swap, we recommend using TronLink or Trust Wallet. Make sure your wallet supports the TRON (TRC-20) network before starting the exchange. Double-check your USDT TRC20 address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the USDT TRC20 address? Use a Tron address: it starts with T and is 34 characters long. Copy it from your wallet and paste it; never type it by hand. Sending USDT TRC20 to an address on another network can lose the coins. ### Can I track my XLM to USDT TRC20 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 TRC20 on Tronscan (https://tronscan.org). ### Is it safe to exchange XLM for USDT TRC20 on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the USDT TRC20 is sent straight to the Tron address you enter, so check that address twice — Tron transfers cannot be reversed. ### Why swap XLM to USDT TRC20? Converting Stellar to Tether (TRC20) 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 TRC20 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 TRC20 to XLM](https://ghostswap.io/exchange/usdtrx-xlm/) ([Markdown](https://ghostswap.io/exchange/usdtrx-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)