No KYC · Non-custodial · Private

Tether to Stellar

ToSwap routes Tether (USDT) into Stellar (XLM) on Stellar mainnet as a one-shot wallet transfer — no signup, no KYC file, no hosted balance. Send USDT yourself; after it confirms, XLM lands at the address you paste. Most orders wrap up in minutes.

    Start swap

    You Send
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    All fees included
    Estimated rate: -
    You Get
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    Three steps on ToSwap

    1. Set the USDT amount and paste the Stellar address that should collect payout on Stellar mainnet.

    2. Tap Exchange to lock the live ToSwap quote and reveal this order’s deposit details.

    3. Send exactly that USDT amount to the deposit. After ERC-20 on Ethereum confirms, XLM is pushed to your wallet.

    Before you broadcast

    • ERC-20 USDT follows Ethereum confirmation times.
    • Send USDT on Ethereum mainnet only — not Tron TRC-20.
    • Leave ETH in your wallet for gas when sending ERC-20 USDT.
    • If XLM is late, refresh your wallet and re-check the order status. When a payout hash is already listed, email or SimpleX support with your Exchange ID — ToSwap has no login that can reopen expired pages.
    You send

    USDT ERC-20 on ToSwap — Ethereum only

    ERC-20 USDT is a different deposit from TRC-20. On ToSwap, leave ETH for gas and send only on Ethereum mainnet when the order badge says ERC-20.

    USDT on Ethereum mainnet

    Use an ERC-20 compatible Ethereum address. TRC-20 USDT is a different asset.

    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.

    Deposit checklist

    Chain mismatches and bad addresses are the usual failure modes — skim these notes before you fund the deposit.

    USDC vs USDT: pick the right network ERC-20, TRC-20, and other networks are not interchangeable. Ethereum gas & gwei for swaps How gas spikes affect deposit cost and confirmation speed. 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.

    How ToSwap works

    Asset hubs

    More anonymous no-KYC lanes and chain notes for each coin.

    USDT Swap Tether (USDT) — no KYC hub XLM Swap Stellar (XLM) — no KYC hub

    Other pairs on this route

    XLM → USDT Exchange XLM for USDT without signup — privacy-first, non-custodial, fees shown before you send. USDT → BTC Exchange USDT for BTC without signup — privacy-first, non-custodial, fees shown before you send. USDT → XMR Exchange USDT for XMR without signup — privacy-first, non-custodial, fees shown before you send. USDT → ETH Exchange USDT for ETH without signup — privacy-first, non-custodial, fees shown before you send. USDT → USDT Convert Tether to Tether with top rates and low fees where the market allows. No profile, no hosted balance. USDT → USDC Convert Tether to USD Coin with top rates and low fees where the market allows. No profile, no hosted balance. USDT → SOL Convert Tether to Solana with top rates and low fees where the market allows. No profile, no hosted balance. USDT → ZEC Convert Tether to Zcash with top rates and low fees where the market allows. No profile, no hosted balance. USDT → BNB Instant Tether → BNB: anonymous no-KYC, wallet-to-wallet, payout after confirmation. USDT → LTC USDT to LTC via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. USDT → XRP Instant Tether → Ripple: anonymous no-KYC, wallet-to-wallet, payout after confirmation. USDT → TRX Instant Tether → Tron: anonymous no-KYC, wallet-to-wallet, payout after confirmation.

    FAQ for this route

    Is KYC or a ToSwap account required for USDT → XLM?

    No. ToSwap never opens a profile or asks for ID documents on a standard Tether to Stellar order. You stay non-custodial on both legs.

    How fast does XLM usually arrive?

    Many payouts leave within minutes after the ERC-20 on Ethereum deposit confirms. Congestion on ERC-20 on Ethereum or Stellar mainnet can stretch that — fees and mempools set the clock, not a manual review.

    Does ToSwap hold my USDT or XLM?

    No hosted balance. You broadcast USDT from a wallet you control; XLM is paid only to the address you paste. Nothing sits under a ToSwap username.

    What if I send USDT on the wrong network?

    Match ERC-20 on Ethereum exactly as printed on the order badge. A wrong-chain deposit often cannot be credited automatically — double-check before you broadcast.