# XLM to USDT SOL: Stellar to Tether (Solana): no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Tether (USDT SOL, an SPL token on Solana) in your own wallet, with no account and no KYC. Swapping into USDT SOL locks in a dollar value without selling on a centralized exchange. Most XLM to USDT SOL swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-usdtsol/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Tether (USDT SOL), SPL token on Solana | | Your USDT SOL address | Solana address that is 32–44 letters and numbers with no 0x prefix. Wallets: Phantom, Solflare or a Ledger | | 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 SOL payout | Sent to your address as soon as the swap completes; Solana confirms it in under a minute | | Typical swap time | 5–15 minutes until your USDT SOL is sent | | Reference rate | 1 XLM ≈ 0.192622 USDT SOL · 1 USDT SOL ≈ 5.1915 XLM (market prices, 9 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 SOL on Solscan | | Reverse swap | [USDT SOL to XLM](https://ghostswap.io/exchange/usdtsol-xlm/) | ## How to swap XLM to USDT SOL 1. Open https://ghostswap.io/exchange/xlm-usdtsol/ and enter the amount of XLM to send. 2. Paste the USDT SOL 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 SOL in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to USDT SOL on GhostSwap? Most XLM to USDT SOL swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the USDT SOL is sent to your wallet, and Solana confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 XLM in USDT SOL? 1 XLM is worth about 0.192622 USDT SOL at the market rate, before fees (market prices, 9 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT SOL 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 SOL? No. GhostSwap has no accounts: you paste the Solana address that should receive the USDT SOL, send XLM from your own wallet, and the USDT SOL goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to Tether (Solana)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT SOL 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 SOL? To receive Tether (Solana) from your swap, we recommend using Phantom, Solflare or a Ledger. Make sure your wallet supports the Solana network before starting the exchange. Double-check your USDT SOL address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDT SOL address? Use a Solana address: it is 32–44 letters and numbers with no 0x prefix. Copy it from your wallet and paste it; never type it by hand. Sending USDT SOL to an address on another network can lose the coins. ### Can I track my XLM to USDT SOL 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 SOL on Solscan (https://solscan.io). ### Is it safe to exchange XLM for USDT SOL on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the USDT SOL is sent straight to the Solana address you enter, so check that address twice, Solana transfers cannot be reversed. ### Why swap XLM to USDT SOL? Converting Stellar to Tether (Solana) 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 SOL 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 SOL to XLM](https://ghostswap.io/exchange/usdtsol-xlm/) ([Markdown](https://ghostswap.io/exchange/usdtsol-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)