No account · No email · Non-custodial · All fees included
In shortTo swap USD Coin (USDC) to Stellar (XLM) without KYC, enter the amount, paste your XLM address and send your USDC to the one-time deposit address. AltoSwap compares 20+ exchanges for this pair, keeps the no-KYC ones by default and picks one of the best rates for you. No account, email or ID is needed.
Rates come from live exchange quotes and refresh automatically. Page content reviewed by the AltoSwap team on . How we produce and check these pages.
There is no route for USDC to XLM without an exchange at the moment, so this swap goes through an exchange.
You pay your wallet's own network fee to send USDC on Ethereum. The network fee for paying out XLM on Stellar is already included in the rate.
Because USDC is pegged to the US dollar, this swap is effectively buying Stellar at its dollar price, minus the spread, without opening an exchange account, passing verification or waiting for a withdrawal.
Your XLM is paid on Stellar. Use an address that starts with G. If your wallet or exchange gave you a memo, enter it as well; for a personal wallet it can usually be left empty.
Type how much USDC you want to swap (minimum about 6.91 USDC). The XLM you will receive updates live.
A top no-KYC rate is already chosen for you. The form shows what you receive, how long it usually takes and the KYC rating of the route.
Paste the Stellar address where you want to be paid, plus a memo if you were given one. A refund address for your USDC is optional but recommended.
Send the exact amount to the deposit address on Ethereum. After it confirms (about 2-5 minutes), the XLM is sent to your address.
You send
USD Coin (USDC) is a US-dollar stablecoin issued by Circle and backed by cash and short-dated US Treasuries. It circulates on Ethereum, Solana, Base and many other chains.
You receive
Stellar is a payments network launched in 2014. XLM (lumens) is its native asset, used for fees and as a bridge currency.
Need a different network? USDC (Solana) to XLM · USDC (Base) to XLM · USDC (Arbitrum) to XLM · USDC (Polygon) to XLM · USDC (BEP-20) to XLM
| AltoSwap | KYC exchange | DEX | Single instant exchange | |
|---|---|---|---|---|
| Account needed | No | Yes, with email and password | No, wallet connection | No |
| Identity documents | None; no-KYC exchanges by default | ID and selfie before trading | None | Depends on that one exchange |
| Who holds your coins | You, apart from the minutes of the swap | The exchange, in your balance | You | You, apart from the minutes of the swap |
| Native USDC and XLM | Yes | Yes | Mostly wrapped or bridged tokens | Yes |
| Rate you get | 20+ exchanges and swap networks, compared live | That exchange's order book | That pool's liquidity | One exchange's quote |
| Time for USDC to XLM | Minutes | Hours to days, including sign-up | Minutes | Minutes |
| Buy with a bank card | No, crypto to crypto only | Yes | No | Usually no |
Enter the USDC amount on this page, paste your XLM address and send your USDC to the deposit address shown. AltoSwap has no accounts and asks for no identity documents, and it routes your swap through exchanges rated A for KYC, meaning providers that do not run identity checks. The XLM is paid directly to your wallet.
The rate moves with the market every few seconds and depends on the amount. The calculator at the top of this page requests live quotes from 20+ exchanges and shows the best current USDC to XLM rate for the amount you enter.
The minimum is about 6.91 USDC and the maximum about 2,157,973 USDC. Limits vary slightly between exchanges and follow market prices; the form tells you immediately if your amount is outside the range.
Usually 5 to 30 minutes. Most of that is waiting for your USDC deposit to confirm on Ethereum, which takes about 2-5 minutes. There is no verification step, so nothing else adds to the wait.
AltoSwap does not know who you are (no account, no email, no identity checks) and the default route uses no-KYC exchanges. Both Ethereum and Stellar are public ledgers, though, so the transactions themselves are visible on-chain. For on-chain privacy, swap into a privacy coin such as Monero.
Your XLM is paid on Stellar. Use an address that starts with G. If your wallet or exchange gave you a memo, enter it as well; for a personal wallet it can usually be left empty. Always use an address in a wallet you control and double-check the first and last characters before sending.
Everything. The exchange's spread, the Stellar network fee for the payout and any service commission are already inside the quoted rate, so the amount shown is what you receive: exactly on a fixed rate, approximately on a floating rate. You only pay your own Ethereum network fee to send the deposit.
Yes. The reverse direction, XLM to USDC, works the same way and has its own page and live rate on AltoSwap. Each direction is quoted independently, so the two rates are not exact mirrors of each other.
