No KYC · Non-custodial · Private

Exchange USD Coin to Stellar

Swap USD Coin (USDC) to Stellar (XLM) on Stellar mainnet — non-custodial, no KYC, and no registration. Competitive rates, wallet-to-wallet delivery, and most orders complete in minutes once your USDC deposit confirms.

Learn more about how it works →

    Start swap

    You Send
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    All fees included
    Estimated rate: -
    You Get
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    Exchange in 3 steps

    1. Choose how much USDC to send and enter your Stellar address on Stellar mainnet.

    2. Hit Exchange to open your order page with the live rate and deposit details.

    3. Transfer USDC to the address on your order — after confirmations, XLM is sent to your wallet automatically.

    What do you need to know?

    • ERC-20 USDC follows Ethereum confirmation times.
    • Send USDC on Ethereum mainnet only for this route — not Polygon, Base, or Solana USDC.
    • Leave ETH in your wallet for gas when sending USDC.
    • XLM not visible yet? Wait a few minutes, resync your wallet, then contact support with your order ID if the payout tx is already listed.
    You send

    USD Coin — regulated dollar stablecoin

    USDC on Ethereum mainnet is a widely trusted stablecoin for DeFi and transfers — always use ERC-20 on Ethereum unless stated otherwise.

    USDC on Ethereum mainnet

    Use an ERC-20 compatible Ethereum address. L2 USDC is a different asset on-chain.

    Gas fees apply to token transfers — ensure sufficient ETH balance.

    You receive

    Stellar — fast payments network

    XLM (Stellar Lumens) powers the Stellar network — built for low-cost cross-border transfers and tokenized assets.

    XLM not visible yet?

    Resync your Stellar wallet. If the order shows a sent transaction, verify the address and memo match your wallet.

    When will XLM arrive?

    Stellar settlements are usually very quick once your deposit confirms.

    • Check Stellar Expert or a similar explorer with the payout tx hash.
    • Confirm whether your wallet needs a destination memo for incoming funds.
    • Keep a small XLM reserve if your wallet requires a minimum balance.

    Before you swap

    Avoid wrong-network deposits and address format mistakes — read these guides first.

    USDC vs USDT: pick the right network ERC-20, TRC-20, and other networks are not interchangeable. Sent crypto to the wrong network? Wrong chain sends often cannot be reversed — learn what to check first. Deposit amount must match exactly Under- and over-payments can delay or fail automated crediting. What each swap status means From awaiting deposit to complete — read each status on your order page.

    All swap safety guides

    Coin swap hubs

    More no-KYC swap pairs and guides for each asset.

    USDC Swap USD Coin (USDC) — no KYC hub XLM Swap Stellar (XLM) — no KYC hub

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    Frequently asked questions

    Do I need KYC to swap USDC to XLM?

    No. SendSwap is a non-custodial instant exchange — no account, no ID checks, and no KYC for USD Coin to Stellar swaps.

    How long does USDC to XLM take?

    Most swaps finish in 1–5 minutes. Timing depends on ERC-20 on Ethereum and Stellar mainnet confirmations and current network load.

    Is USDC to XLM non-custodial?

    Yes. You send USDC from your wallet and receive XLM directly to the address you provide — SendSwap never holds your keys.

    What if I send USDC on the wrong network?

    Always match the network on your order page (ERC-20 on Ethereum for deposits). Wrong-network sends may not be credited — read our swap safety guides before you send.