Exchange XLM to USDS
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XLM → USDS 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 XLM moves directly to the provider's deposit address, USDS arrives at your wallet. SwapHub never holds your funds.
Live market snapshot.
Today's XLM → USDS rate.
1 XLM is currently worth 0.125000 USDS — that is about $0.124975 at the current USDS price of $0.999798. Over the last 24 hours, USDS has moved +0.00%. SwapHub compares this rate across multiple liquidity providers and routes your order through the one offering the highest net USDS received.
How much will I get.
Live rate applied to common amounts — updated every 60 seconds.
| 1 XLM | 0.125000 USDS |
| 5 XLM | 0.625000 USDS |
| 10 XLM | 1.2500 USDS |
| 50 XLM | 6.2500 USDS |
| 100 XLM | 12.5000 USDS |
| 500 XLM | 62.5000 USDS |
| 1000 XLM | 125.0000 USDS |
| 5000 XLM | 625.0000 USDS |
| 10000 XLM | 1250.00 USDS |
| 50000 XLM | 6250.00 USDS |
| 1 USDS | 8.0000 XLM |
| 10 USDS | 80.0000 XLM |
| 50 USDS | 400.0000 XLM |
| 100 USDS | 800.0000 XLM |
| 500 USDS | 4000.00 XLM |
| 1000 USDS | 8000.00 XLM |
| 5000 USDS | 40000.00 XLM |
| 10000 USDS | 80000.00 XLM |
| 50000 USDS | 400000.00 XLM |
| 100000 USDS | 800000.00 XLM |
How to swap XLM to USDS.
Enter XLM amount
Type how much XLM you want to swap. We'll show the exact USDS you'll receive at the live rate.
Paste USDS address
Your USDS receiving address. We validate the format live — valid addresses show a teal check.
Send your XLM
Transfer XLM to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive USDS
USDS arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XLM to USDS.
Financial inclusion. XLM's sub-cent fees make it ideal for micro-payments and developing world remittances. SwapHub enables these users to easily convert to USDS, a stablecoin with deep DeFi integration, for further financial services.
Decentralized finance. Stellar's built-in DEX and Soroban smart contracts provide a frictionless way to trade XLM for USDS, unlocking new opportunities for decentralized finance and cross-border transactions.
MoneyGram partnership. XLM's MoneyGram integration allows for easy conversion into USDS, facilitating direct payments to users in the United States. This is particularly useful for those who need to send money home or receive payments from abroad.
Evolution of stablecoins. USDS, rebranded from MakerDAO, offers the same over-collateralized model but with improved branding and governance. Swapping XLM to USDS provides access to this robust stablecoin ecosystem.
About the assets.
Stellar is a decentralized payment network founded by Jed McCaleb (Ripple co-founder). It uses the Stellar Consensus Protocol (SCP) and supports built-in DEX, Soroban smart contracts, and partnerships like MoneyGram for USD/crypto bridging.
USDS is a stablecoin rebranded from MakerDAO, now governed by the Sky protocol. It uses the same over-collateralized model as DAI but offers improved branding and governance. USDS is available on Ethereum (ERC-20), Arbitrum, and Base.
Questions people ask.
01 What's the current XLM to USDS exchange rate?
The current exchange rate for XLM to USDS is determined by the supply and demand on the market. Right now, 1 XLM is approximately equal to 0.125000 USDS. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your XLM arrives at the deposit address.
02 How long does an XLM to USDS swap take?
An average XLM to USDS swap takes about 5 minutes. The primary factor is the typical confirmation time of the Stellar network, which is usually 3-5 seconds. You can track the progress in real time on the swap page.
03 Which XLM networks are supported?
SwapHub supports XLM on the Stellar mainnet. This is the primary network for trading and converting XLM to USDS.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $0.10–$1.00 equivalent. There's no hard maximum — larger orders may be split across providers automatically for the best rate.
05 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.
06 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 USDS and gas on your chosen XLM network.
07 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 USDS at the locked rate. Sending a different coin to the XLM address is recoverable but requires contacting support.
08 Can I swap XLM to USDS 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.
09 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.
10 What networks does XLM support for USDS swaps?
XLM supports swaps to USDS on the Ethereum (ERC-20) and Arbitrum networks.