XLM to USDT TRC20: Exchange Stellar for Tether (TRC20) Without KYC

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.

  • 5–15 min
  • No account · No KYC
  • Non-custodial
  • Fees included in quote
Crypto Exchange
Buy Crypto
XLM
XLM
USDT (TRC20)
USDT (TRC20)


⚠️ 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:
$0.2215
24h Change:
0.76%
Market Cap:
$7.76B
Volume (24h):
$240.31M
Circulating Supply:
35.04B XLM
Tether Tron Chain Logo
USDT (TRC20)
Tether (USDT) on Tron
Price:
$0.9999
24h Change:
0.01%
Market Cap:
$184.03B
Volume (24h):
$76.59B
Circulating Supply:
184.06B USDT (TRC20)

Data by CoinGecko

XLM to USDT (TRC20) Exchange Rate

1 XLM = 0.221494 USDT (TRC20)

The 1 Stellar to Tether (USDT) on Tron 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 TRC20 swap at a glance

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

Stellar (XLM)You send · Stellar network
Tether (USDT TRC20)You receive · TRC-20 token on Tron

Swapping into USDT TRC20 locks in a dollar value without selling on a centralized exchange. It is a cross-chain swap from Stellar to Tron, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your USDT TRC20 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 TRC20 on Tronscan
Your USDT TRC20 address
Tron addressIt starts with T and is 34 characters long. Wallets: TronLink or Trust Wallet.
Reference rate
1 XLM ≈ 0.221494 USDT TRC201 USDT TRC20 ≈ 4.5148 XLM · market prices, 2 Oct 2026
Minimum
About 140 XLMThe exact minimum and maximum are shown in the exchange box before you send.
Deposit Memo.ID
Include it if shownCopy the Memo.ID 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 TRC20Sent to your address; Tron confirms in about a minute
Facts checked 2 Oct 2026Reverse: USDT TRC20 to XLM

How much USDT TRC20 do you get for XLM?

GhostSwap quotes at 2 Oct 2026, 15:26 UTC. What lands in your wallet: service fee and USDT TRC20 network fee already deducted.

Fees included
500XLM
108.1913USDT TRC20
2,500XLM
543.8447USDT TRC20
10,000XLM
2,177.55USDT TRC20

The rate floats with the market until your XLM deposit confirms. The minimum for this pair is about 140 XLM. Enter any amount in the exchange box above for a live quote; no account needed.

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 for this swap

  • 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.

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

Going the other way? Swap USDT TRC20 to XLM

Other ways to get Tether (TRC20) (USDT TRC20)

BTC to USDT TRC20ETH to USDT TRC20USDT to USDT TRC20USDC to USDT TRC20SOL to USDT TRC20LTC to USDT TRC20XMR to USDT TRC20ZEC to USDT TRC20BNB to USDT TRC20XRP to USDT TRC20DOGE to USDT TRC20TRX to USDT TRC20XTZ to USDT TRC20ZRX to USDT TRC20

More XLM swaps

XLM to BTCXLM to SOLXLM to PONKEXLM to CROXLM to USDCXLM to USDTXLM to ETHXLM to BNBXLM to XRPXLM to TRXXLM to USDT SOLXLM to VET

XLM to USDT TRC20 Live Price Chart

XLM/USDT (TRC20)

Loading chart...

Over the last 30 days, 1 XLM was worth between 0.1734 and 0.2336 USDT TRC20 at the market rate, 0.19745 USDT TRC20 on average, and the rate moved +29.49%.

PeriodLowHighAverageChange
24h0.21750.22660.22108+2.78%
7d0.20730.23360.2212+3.77%
30d0.17340.23360.19745+29.49%

USDT TRC20 per 1 XLM. Market rate from 15-minute (24 hours), hourly (7 days) and 4-hourly (30 days) samples up to 2 Oct 2026, 13:02 UTC and the current reference rate, before fees.

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.

USDTRX

What is Tether (USDT) on Tron?

Tether on TRON (USDT TRC-20) is the fastest and cheapest way to transfer USDT stablecoins. While USDT exists on multiple chains, the TRC-20 version on TRON offers near-instant confirmation and virtually zero transaction fees, making it the preferred choice for frequent stablecoin transfers and payments. USDT TRC-20 maintains the same 1:1 US Dollar peg as other USDT variants. It is the most popular stablecoin on the TRON network and one of the highest-volume digital assets globally.

XLM → USDTRX

Why Swap XLM for USDT TRC20?

Swapping Stellar to Tether (USDT) on Tron 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 Tron 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 (TRC20) is in your own wallet.

Skip the centralized exchange

No exchange deposit or withdrawal delays and no KYC requirements. GhostSwap converts XLM to USDT (TRC20) directly.

No identity verification needed

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

Exchange XLM for USDT (TRC20) on GhostSwap. Most swaps are paid out within 5–15 minutes after you send your XLM.

XLM

Convert Stellar to Tether (USDT) on Tron

XLMUSDT (TRC20) at market price
140XLM31.0091USDT (TRC20)
250XLM55.3734USDT (TRC20)
500XLM110.7468USDT (TRC20)
1,000XLM221.4937USDT (TRC20)
2,500XLM553.7342USDT (TRC20)
5,000XLM1,107.47USDT (TRC20)
25,000XLM5,537.34USDT (TRC20)
50,000XLM11,074.68USDT (TRC20)

At market prices of $0.221462 per XLM and $0.999857 per USDT (TRC20) (2 Oct 2026), 2,500 XLM is worth about 553.7342 USDT (TRC20). Your exact amount, after network fees, is shown in the exchange box before you send.

USDTRX

Convert Tether (USDT) on Tron to Stellar

USDT (TRC20)XLM at market price
25USDT (TRC20)112.8700XLM
50USDT (TRC20)225.7401XLM
100USDT (TRC20)451.4802XLM
250USDT (TRC20)1,128.70XLM
500USDT (TRC20)2,257.40XLM
1,000USDT (TRC20)4,514.80XLM
5,000USDT (TRC20)22,574.01XLM
10,000USDT (TRC20)45,148.02XLM

Going the other way, 500 USDT (TRC20) is worth about 2,257.40 XLM at the same prices.

How to Exchange Stellar to Tether (TRC20)

Line Vector
Select Crypto Currency

Select XLM and USDT TRC20

Pick XLM in “You send” and USDT TRC20 in “You get”, then enter the amount. The box shows how much USDT TRC20 you get and the minimum XLM for this pair.

Select Wallet Address
Line Vector

Enter Tether (TRC20) Address

Paste the Tron address that should receive the USDT TRC20 (it starts with T and is 34 characters long). 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 (TRC20)

Your USDT TRC20 is usually paid out 5–15 minutes after you send your XLM, and Tron then confirms it in about a minute. Follow each step on the status page with your swap ID.

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XLM to USDT TRC20: questions and answers

Everything you need to know about exchanging XLM to USDT (TRC20) on GhostSwap.

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 0.221494 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 140 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.

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