Convert Stellar to Tether (XLM → USDT)

Swap XLM on Stellar to USDT on Ethereum in one step, without bridging it yourself. Powered by NEAR Intents.

  • No KYC
  • No account
  • Self-custody

Swap XLM to USDT

NEAR Mobile App Download

Get the NEAR Mobile app and don't miss anything!

AppleApp StoreGoogle PlayGoogle Play

XLM to USDT rate today

1 XLM ≈ 0.2162 USDT and 1 USDT ≈ 4.63 XLM, based on market prices at 2026-10-06 11:04 UTC. The quote in the widget above is what you actually receive, fees included.

TokenPrice24h
Stellar (XLM)$0.2161N/A
Tether (USDT)$0.9998N/A

Convert XLM to USDT: how much you get

Indicative amounts at the market rate above, before network and protocol fees.

XLMUSDT
50 XLM10.81 USDT
100 XLM21.62 USDT
500 XLM108.08 USDT
1,000 XLM216.16 USDT
10,000 XLM2,162 USDT
100,000 XLM21,616 USDT
USDTXLM
10 USDT46.26 XLM
50 USDT231.31 XLM
100 USDT462.63 XLM
500 USDT2,313 XLM
1,000 USDT4,626 XLM
10,000 USDT46,263 XLM

How to convert Stellar to Tether

The widget above is already set to XLM on Stellar → USDT on Ethereum. The whole swap runs in one flow through NEAR Intents:

Step 1: Choose how to pay
Connect a Stellar wallet such as LOBSTR or Freighter that holds your XLM. Or turn on Swap from external wallet to get a deposit address and QR code you can pay from any wallet or exchange; you then add an address on Stellar for refunds.

Step 2: Enter the amount and where to receive
Type how much XLM to swap and the Ethereum address that receives the USDT, from any EVM wallet such as MetaMask or Rabby. The widget shows how much USDT you will receive, fees included, before you confirm.

Step 3: Confirm and send
Approve the transfer in your wallet, or send the amount to the deposit address. Once it confirms on Stellar, solvers fill the swap and the USDT is sent to your address on Ethereum. If the swap can't be filled, your XLM is refunded.

Prefer to keep a balance inside NEAR Intents? The Deposit tab adds XLM to it, Swap trades within it, and Withdraw sends tokens out to their own networks.

⚠ Important: receive on an address you control. If you send the USDT to an exchange instead, check that it accepts USDT on Ethereum: some exchanges don't credit deposits that come from a smart contract.

About the XLM → USDT swap

This is a cross-chain swap: your XLM leaves Stellar and USDT arrives on Ethereum. Normally that takes a bridge plus a DEX, or a centralized exchange account. With NEAR Intents the deposit, swap and withdrawal happen in one flow, and what lands in your wallet is USDT on Ethereum, ready to use there with no second bridging step.

Swapping XLM to USDT converts a volatile asset into a dollar-pegged stablecoin, a common way to lock in a price or step out of market swings without off-ramping to a bank account.

About Stellar and Tether

What is Stellar (XLM)?

Stellar is an open-source payments network that went live in 2014, co-founded by Jed McCaleb and Joyce Kim and supported by the non-profit Stellar Development Foundation. Lumens (XLM) are its native asset, and the network is built for moving value and issuing tokens such as stablecoins.

Type
Layer-1 payments network
Launched
2014
Consensus
Stellar Consensus Protocol (federated Byzantine agreement)
Max supply
About 50 billion XLM (no new issuance since 2019)
Swap network
Stellar
Stellar official site ↗

How Stellar works

Stellar uses neither mining nor staking. Validators run the Stellar Consensus Protocol, a federated Byzantine agreement in which nodes rely on sets of peers they trust, and the network reaches consensus in under six seconds. The ledger has a built-in exchange for issued assets and, since February 2024, Soroban smart contracts.

What XLM is used for

XLM pays transaction fees, from 100 stroops (0.00001 XLM) per operation, and covers the minimum balance every account must hold. Payment apps and ramp providers use Stellar to move stablecoins and local currencies across borders.

XLM supply

One hundred billion lumens were created at launch. A 1% yearly inflation added more until validators voted to end it on 28 October 2019, and in November 2019 the foundation burned about 55 billion of its own lumens, leaving roughly 50 billion XLM with no new issuance.

Before you swap XLM

A new Stellar account only exists once it holds 1 XLM (two base reserves of 0.5 XLM), and each trustline or other entry locks another 0.5 XLM. Exchanges usually require a memo on XLM deposits, but the withdrawal field here takes only an address, so withdraw to your own wallet unless the exchange offers a muxed address starting with M. When depositing XLM manually, include the memo shown with the deposit address.

What is Tether (USDT)?

Tether (USDT) is a stablecoin designed to hold a value of one US dollar, issued by the company Tether since 2014. Having started on Bitcoin's Omni Layer, it has since expanded to many blockchains, including Ethereum, TRON, Solana and others.

Type
Fiat-backed stablecoin
Launched
2014
Consensus
Inherits the consensus of each host blockchain
Max supply
No fixed cap (minted and redeemed on demand)
Swap network
Ethereum
Sector (Messari)
Stablecoins
Tether official site ↗Sector classification by Messari ↗

How Tether works

Tether creates new USDT when verified customers deposit dollars and redeems tokens for dollars when they are returned, so the supply follows demand. The company reports holding reserve assets, mainly US Treasury bills and cash equivalents, to back the tokens in circulation and publishes periodic attestations of those reserves.

What USDT is used for

Traders use USDT to park funds between trades and as a quote currency on exchanges around the world. It is also common for cross-border payments and for saving in dollars in places with volatile local currencies.

USDT supply

There is no fixed supply: tokens are minted when dollars come in and burned when they are redeemed. The goal is for each USDT to be backed by reserves worth at least one dollar.

Before you swap USDT

USDT exists on many networks, and the swap widget defaults to the Ethereum version, so confirm the selected network matches the chain of your wallet before sending or receiving. Sending USDT over the wrong network can make funds difficult or impossible to recover.

Looking for the reverse?Convert USDT to XLM →
More swaps:All XLM pairs →All USDT pairs →

Swap XLM for other tokens

XLM → USDCXLM → BTCXLM → ETHXLM → NEAR

Other ways to get USDT

BCH → USDTDASH → USDTMON → USDTOKB → USDTSTRK → USDTXPL → USDT

Popular token swaps

BTC → USDTETH → USDTNEAR → USDTBTC → ETHETH → NEARBTC → SOLETH → SOLBTC → USDC

View all token swap pairs →

XLM to USDT: frequently asked questions

What to know before swapping Stellar for Tether

Use the widget on this page, already set to XLM on Stellar → USDT on Ethereum: connect your wallet or pay by QR code, enter the amount and your Ethereum address, and confirm. NEAR Intents swaps it and sends the USDT to that address in one flow, and the widget shows the exact amount you will receive before you confirm.