No KYC · Non-custodial · Private

XLM/USDC wallet exchange

Looking for USDC on ERC-20 on Ethereum? Keep custody of both ends: quote on ToSwap, push Stellar from your wallet, collect USD Coin automatically once the deposit depth clears. Private by design — no account to open.

    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 XLM amount and paste the USD Coin address that should collect payout on ERC-20 on Ethereum.

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

    3. Send exactly that XLM amount to the deposit. After Stellar mainnet confirms, USDC is pushed to your wallet.

    Before you broadcast

    • Stellar confirmations are typically very fast — often within seconds.
    • A minimum XLM balance may be required to activate or maintain your Stellar account.
    • Use a Stellar mainnet address (starts with G…). Include a memo if your receive wallet or exchange requires one.
    • If USDC 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

    Stellar — fast payments network

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

    Sending XLM on Stellar

    Send native XLM on Stellar mainnet from a compatible wallet.

    If your payout destination requires a memo, enter it exactly on your order form — missing memos are a common support issue.

    You receive

    USDC on ToSwap — ERC-20 unless stated

    USD Coin on Ethereum mainnet is the default on this hub. A Solana or L2 USDC send will not credit an ERC-20 deposit — match the mint before you broadcast.

    USDC not credited?

    Verify your wallet is on Ethereum mainnet and the token contract matches official USDC on Ethereum.

    When will USDC arrive?

    ERC-20 USDC payouts follow Ethereum block times — usually minutes after your deposit confirms.

    • Confirm your wallet is set to Ethereum mainnet, not Polygon, Base, or another L2.
    • Add the official USDC token contract in your wallet if the balance does not appear automatically.
    • Check the payout tx hash on Etherscan if your wallet shows no incoming transfer.

    Why traders swap into USDC

    USDC is widely used in DeFi and on exchanges that prefer a regulated dollar stablecoin.

    On Ethereum mainnet it pairs naturally with ETH gas and most ERC-20 trading pairs.

    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. 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.

    How ToSwap works

    Asset hubs

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

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

    Other pairs on this route

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

    FAQ for this route

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

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

    How fast does USDC usually arrive?

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

    Does ToSwap hold my XLM or USDC?

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

    What if I send XLM on the wrong network?

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