Swap Stellar (XLM) to Tether USDT (TRC-20)

Compare offers from partner exchanges and get your USDT (TRC-20) straight to your wallet.

XLM to USDT (TRC-20) at a glance

Partners that list both coins: 4: Exolix, ChangeNOW, StealthEX, and SideShift.ai
You send: XLM on Stellar
You get: USDT on Tron (TRC-20)
USDT token contract on Tron (TRC-20): TR7NHqjeKQxGTCi8q8ZY4pL8otSzgjLj6tCheck it on Tronscan (opens in a new tab)
Your USDT address on Tron (TRC-20): Starts with T and has 34 characters.
Networks for XLM: 2: Stellar and BNB Smart Chain (BEP-20)
Networks for USDT: 20: Tron (TRC-20), Ethereum (ERC-20), BNB Smart Chain (BEP-20), Solana (SPL), Polygon (PoS), Arbitrum One, OP Mainnet (Optimism), Base, Avalanche C-Chain, TON, NEAR Protocol, Aptos, Algorand, Polkadot, Tezos, EOS, opBNB, Celo, Kava EVM, and Liquid Network
Confirmation on Tron (TRC-20): Usually 1–5 minutes · Transfer times explained
Offers for 1,000 XLM: 3 partners we asked made an offer
Minimum: 65.53347 XLM
Time the partners state: 2–30 minutes after your deposit is confirmed

Coin lists checked: October 20, 2026 at 1:50 PM UTC.

Offers checked: October 20, 2026 at 3:17 PM UTC. Offers and minimums change with the market; the swap card asks the partners again.

Partners that need your details to make an offer answer only when you ask for offers on the swap card.

How to swap XLM to USDT (TRC-20)

Step 1
Enter the amount of XLM
Choose XLM and USDT (TRC-20) on the swap card and type how much XLM you want to send. The card shows how much USDT (TRC-20) you get, with every swap fee already taken out.
Step 2
Check your offer
The card uses the offer that gives you the most USDT (TRC-20). “Other offers” lets you compare the partners. Then tap “Swap”.
Step 3
Add your USDT (TRC-20) address
Paste the address of your USDT (TRC-20) wallet on the Tron (TRC-20) network, with the memo if your exchange shows one. Check your swap and tap “Create swap”.
Step 4
Send your XLM
Send exactly the amount shown, on the Stellar network, to the address the partner gives you. Add the memo if one is shown. Your USDT (TRC-20) goes straight to your wallet.

Good to know about this pair

When you send XLM, add the memo shown on the Send screen. Without it, the partner can't match your coins.
XLM exists on 2 networks. Choose the network your wallet uses; address and network must match.
USDT exists on 20 networks. Choose the network your wallet uses; address and network must match.
To move your USDT (TRC-20) later, your wallet needs a little TRX for the network fee on Tron (TRC-20).
If your wallet doesn't list your USDT (TRC-20) after the swap, add the token with the contract shown above.
If your amount is below the minimum, the swap card says so and offers to use it.
The amount under “You get” has every swap fee already taken out. Your wallet's network fee to send XLM is extra.
Amounts come from live offers and change with the market.

Guides for this swap

Questions about XLM to USDT (TRC-20)

Which network should I use for XLM?

Use the same network as your wallet. If you receive XLM, it's the network your wallet or exchange shows on its Receive screen. If you send it, it's the network your XLM is on now. XLM is available on: Stellar and BNB Smart Chain (BEP-20).

Which network should I use for USDT?

Use the same network as your wallet. If you receive USDT, it's the network your wallet or exchange shows on its Receive screen. If you send it, it's the network your USDT is on now. USDT is available on: Tron (TRC-20), Ethereum (ERC-20), BNB Smart Chain (BEP-20), Solana (SPL), Polygon (PoS), Arbitrum One, OP Mainnet (Optimism), Base, Avalanche C-Chain, TON, NEAR Protocol, Aptos, Algorand, Polkadot, Tezos, EOS, opBNB, Celo, Kava EVM, and Liquid Network.

Do I need a memo to send XLM?

Yes, whenever your swap's Send screen shows one above the address. It tells the partner which swap your coins belong to. Add it in your wallet before you send: without it, your coins can be lost.

Do I need a memo for USDT?

No. USDT on the Tron (TRC-20) network doesn't use a memo.

Do I need an account to swap XLM to USDT (TRC-20)?

No. You don't need an account with GlobalSwap: you only enter the address that receives your USDT (TRC-20) and, if you like, a refund address. The partner that carries out your swap may pause it and ask for identity verification, for example if its checks flag a transaction.

How long does a swap from XLM to USDT (TRC-20) take?

Your swap starts when the Stellar network confirms your deposit. Then the partner swaps your coins and sends your USDT (TRC-20), which usually takes a few minutes. Your wallet shows your USDT (TRC-20) once the Tron (TRC-20) network confirms it too. Your swap's page shows each step. When we last checked, the partners stated 2–30 minutes from your confirmed deposit to the payout.

Is there a minimum amount?

Yes. When we checked on October 20, 2026 at 3:17 PM UTC, partners accepted this pair from 65.53347 XLM. The minimum changes with the market and network fees. If your amount is below it, the swap card says so and offers to use the minimum.