XLM to USDC: Swap Stellar Lumens to USD Coin on Ethereum, No KYC

Circle issues USD Coin on several chains, and Stellar is one of them. That is the first thing to settle, because this page does not keep your dollars on Stellar. It pays USDC as an ERC-20 token on Ethereum, to an address that begins with 0x. A G address from Lobstr or Freighter cannot receive it, and the form will not accept one in the payout field.

So this pair fits a specific plan: the dollars are headed for something that lives on Ethereum. A lending or trading app that only takes ERC-20, a Ledger account you already use for Ethereum tokens, or a person or service that asked for USDC on Ethereum by name.

If the dollars should instead sit on a cheaper chain, the exchange box has other versions. XLMからUSDC SOL pays on Solana and XLMからUSDCへのBEP20 pays on BNB Smart Chain. Pick the version first, then copy the address that matches it.

The XLM leaves as an ordinary Stellar payment from Lobstr, Freighter or a Ledger. Stellar closes ledgers every few seconds and the fee is a tiny amount of XLM, so this side of the swap is quick and cheap.

After you create the swap, look closely at the deposit screen. If it shows a Memo, paste it into the Memo field of your wallet exactly, with no extra spaces and the same memo type your wallet offers by default for that value. If the screen shows no Memo, leave that field blank. That is all the Memo needs on this pair.

Every Stellar account must hold a minimum balance, the base reserve, plus a little more for each trust line it keeps. That part cannot be sent. Lobstr and Freighter show what is spendable, so swap that figure and not the total. In the sender field, enter the same G address the payment leaves from: 56 characters, starting with G.

The payout field needs an Ethereum address: 0x followed by 40 hexadecimal characters, from MetaMask, Rabby or the Ethereum app on a Ledger. Copy it with the wallet's copy button. A typo that still forms a valid address sends the USDC to an account nobody controls.

Real USDC on Ethereum lives at one contract, 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. If your wallet does not show the new balance, add the token by that contract. Do not paste the contract into the payout field; it is the token itself, not a wallet. Tokens called USDC at any other contract are copies and are worth nothing.

Ethereum includes the payout in about 2 to 5 minutes. You can watch it arrive on Etherscan by searching your own address, and follow the Stellar deposit on ステラエキスパート.

The big shift is the fee coin. On Stellar, a payment costs almost nothing and is paid in XLM. On Ethereum, every move of the USDC is paid in ETH, and gas there is usually far higher than Stellar fees. Plan to make fewer, larger transfers on the Ethereum side. The guide on ネットワーク全体におけるステーブルコインの手数料 compares the chains in more depth.

XLM moves with the wider market. Turning part of it into USD Coin fixes a dollar value without leaving self-custody, and taking that USDC on Ethereum puts it where the largest set of dollar apps already works. Some holders do this before a payment that is due in USDC; others park a share of their XLM while the market is rough.

The quote is built from aggregated liquidity from leading crypto markets. It floats with the XLM price until the Stellar deposit confirms, and the box shows the USDC you get after fees before you send. Since Stellar confirms in seconds, the floating window is short, and most swaps finish within minutes.

The swap involves no sign-up and no ID check. Remember that Circle can freeze USDC at a given address on any chain; that is a feature of the token, not of the swap. To go back to Stellar later, use USDC 〜へ XLM.

If a swap cannot be completed, the coins are refunded to the sender address you entered. On this pair that is your Stellar G address, so use one from a wallet where you hold the secret key. XLM sent from an exchange account leaves from the exchange's shared address, and a refund there needs your personal Memo to find you, which is easy to lose track of.

Your swap ID opens its own status page. If StellarExpert shows your payment and the status page has not moved after a long wait, write to support@ghostswap.io with the swap ID and the Stellar transaction hash. Do not send a second payment for the same swap while you wait.

A missing Memo is the most common cause of a slow deposit on Stellar. If you left out one that the screen showed, say so in your message to support.