Exchange USDT to XLM
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your USDT → XLM swap through the cheapest one.
24/7 human support
Real humans on Telegram within 3 minutes, any timezone. Every order has a copyable ID, we see the same state you do.
Non-custodial security
Your USDT moves directly to the provider's deposit address, XLM arrives at your wallet. SwapHub never holds your funds.
How to swap USDT to XLM.
Enter USDT amount
Type how much USDT you want to swap. We'll show the exact XLM you'll receive at the live rate.
Paste XLM address
Your Stellar receiving address. We validate the format live — valid addresses show a teal check.
Send your USDT
Transfer USDT to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive XLM
XLM arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap USDT to XLM.
Optimizing transfer costs. USDT on Stellar is the most cost-effective way to convert stablecoins to XLM. TRC-20 USDT on Tron incurs a fee of ~$1, while Stellar's native USDT costs virtually nothing. For frequent transfers, XLM offers a cheaper alternative.
Financial inclusion. Stellar's design makes it ideal for cross-border payments and micro-transfers. The low fees and fast confirmations (3-5 seconds) make it perfect for remittances and small-scale transactions, especially in developing regions.
Building decentralized finance. By swapping USDT to XLM, users can participate in the Stellar ecosystem's DEX and smart contracts. XLM's built-in DEX allows for seamless trading of assets, making it a hub for decentralized finance activities.
Global liquidity. Stellar's network is integrated with traditional financial systems through partnerships like MoneyGram. This bridge between crypto and fiat currencies enhances global liquidity, providing a more accessible gateway for those who prefer crypto-based solutions.
About the assets.
USDT is the most-traded stablecoin, issued by Tether Limited and pegged 1:1 to the US dollar. Available on Ethereum, Tron, Solana, Arbitrum, and more.
XLM is the native currency of the Stellar network, founded by Jed McCaleb. It uses the Stellar Consensus Protocol (SCP) and has built-in DEX capabilities, making it ideal for cross-border payments and decentralized finance.
Questions people ask.
01 What's the current USDT to XLM exchange rate?
Right now 1 USDT equals about XLM. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your USDT arrives at the deposit address.
02 Do I need to create an account or pass KYC?
No. SwapHub is non-custodial and accountless. You never give us an email, you never upload ID. Some liquidity providers may ask for verification on unusually large orders — if that applies, you'll see it before committing funds.
03 How long does a USDT to XLM swap take?
Average end-to-end time is about 5 minutes. The main variable is USDT network confirmation speed — typically 3-5 seconds. You can track progress in real time on the swap page.
04 Which USDT networks are supported?
SwapHub supports USDT on Tron TRC-20, Ethereum ERC-20, Solana SPL, Arbitrum, Avalanche, and Polygon. Pick whichever network your source wallet holds USDT on — the cheapest option is highlighted automatically.
05 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $10–$20 equivalent. There's no hard maximum — larger orders may be split across providers automatically for the best rate.
06 Float rate vs Fixed rate — which should I pick?
Float gives you the best available rate at the moment your deposit arrives (usually a slightly better number, subject to movement). Fixed locks the rate when you create the order, costing about 0.4% extra — worth it for large amounts or when the market is moving fast.
07 Is there a fee on top of the exchange rate?
SwapHub charges no extra fee on top of the displayed rate — our margin is already included in what you see. You'll also pay the network fee for XLM and gas on your chosen USDT network.
08 What happens if I send the wrong amount?
If you send less than the minimum, the order pauses and you can add a top-up. If you send more than the estimate, you'll automatically receive the extra XLM at the locked rate. Sending a different coin to the USDT address is recoverable but requires contacting support.
09 Can I swap USDT to XLM inside Telegram?
Yes. @swapHUB_com_bot opens a Telegram Mini App with the same flow, same rates, same providers. Convenient for mobile users who already live in Telegram.
10 Is SwapHub regulated? Where is it based?
SwapHub operates as a non-custodial interface that routes orders across multiple licensed exchange providers. We don't custody funds, so the regulatory model is closer to an aggregator than an exchange. For jurisdiction-specific questions, see the Terms.