Swap USDT to XLM in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the XLM goes straight to the wallet address you enter.
Enter the amount of Tether (ERC20) you want to swap in the widget above. It shows an estimate of the Stellar you will receive on the Stellar network at the current floating rate, with the payout network fee already taken into account.
Paste your XLM wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your USDT to the one-time deposit address on the Ethereum network. Once the deposit confirms, the swap runs automatically and the XLM is sent to your wallet. The order page shows every stage.
Swapping Tether (ERC20) (USDT) for Stellar (XLM) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the XLM goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Tether (ERC20) deposit confirms on Ethereum. The payout is sent on Stellar, so check that your Stellar address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 USDT
≈
2.9496861 XLM
At the latest hourly update, 1 USDT converts to about 2.9496861 XLM. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
USDT token contract:
0xdAC17F958D2ee523a2206206994597C13D831ec7
Approximate exchange rates between these assets, refreshed hourly
As of Nov 4, 2026 16:18 UTC, 1 USDT is worth about $1.00 and 1 XLM about $0.000897, so 1 USDT converts to roughly 2.949686 XLM. These figures move with the market, and the widget shows the live estimate before you confirm.
Ethereum-based Tether (USDT, ERC-20) goes in, and Stellar lumens (XLM), the native coin of the Stellar network, come out at the G address you provide. No xswap.to account is involved. Someone might convert USDT to XLM to fund a Stellar wallet for cheap international transfers, to pay the small fees Stellar charges per operation, or to send value to a contact or an exchange that prefers Stellar rails over Ethereum.
USDT is a stablecoin issued by Tether and pegged to the US dollar; the deposit side is the ERC-20 contract 0xdAC17F958D2ee523a2206206994597C13D831ec7 on Ethereum, so sending it costs ETH in gas. Stellar uses the Stellar Consensus Protocol rather than mining, and its ledger closes roughly every five seconds. Going from Ethereum to Stellar is a cross-chain swap. A Stellar public key starts with G and has 56 characters, and addresses hosted by an exchange usually need a memo as well.
The widget calculates a floating-rate estimate of your lumens before you commit, with the Stellar payout fee already removed. Should the market shift before your USDT deposit confirms on Ethereum, the final XLM can come in slightly higher or lower. Stellar adds little delay, so most of the waiting happens on the Ethereum side while your ERC-20 transfer confirms. Your order page shows the status and a transaction ID throughout.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Tether (ERC20) (USDT) | Stellar (XLM) |
| Network | Ethereum | Stellar |
| Type | ERC-20 token | Native coin |
| Contract | 0xdAC17F…831ec7 |
- |
| Memo / tag | Not needed | Required with your address |
| Route | Cross-chain: Ethereum to Stellar | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 1.277862 USDT | |
| Account / ID | Not needed to start a swap | |
Only when the Stellar address is a shared deposit address, which is how most exchanges take XLM. The exchange uses the memo to credit your account, and a missing memo can leave the lumens unassigned. Your own Stellar wallet does not need one.
It is a public key starting with the letter G, 56 characters long, in uppercase letters and digits. A key that starts with S is a secret key and must never be shared or pasted anywhere. Copy the G address from your wallet's receive screen.
A new Stellar account exists on the ledger only after it is funded with at least the minimum balance, which the network sets at two base reserves. Search your G address on a Stellar block explorer to see whether the payment arrived. If the explorer shows nothing, contact support on Telegram at @xswap_to with your transaction ID.
The page starts with ERC-20 USDT on Ethereum. Other versions in the selector are TRC-20 on TRON, BEP-20 on BNB Smart Chain, SPL on Solana, Polygon, Avalanche C-Chain, Arbitrum One, Celo, Aptos and the TON Jetton. Choose before creating the order, because the deposit address only accepts the network shown.
No, the number in the widget is an estimate at a floating rate. It already accounts for the exchange margin and the Stellar payout fee, but market movement before your deposit confirms can change it slightly.
It can happen, though rarely. xswap.to does not request ID, but a partner's automated anti-money-laundering check may pause a flagged transaction and ask for verification. Support on Telegram at @xswap_to can help when you share your transaction ID.
