Swap Tether (USDT) (USDT) to Stellar (XLM)
Exchange Tether (USDT) (USDT) for Stellar (XLM) instantly at the best available rate. Monivo polls multiple liquidity providers and DEX aggregators in real time, then routes your USDT → XLM trade to the best execution. Non-custodial, no account, and settled directly to your XLM wallet — typically in 5–20 minutes.
Best Price Guarantee
We compared 6 providers in real time
How it works
- 1. Enter the amount of USDT to swap.
- 2. Paste your Stellar wallet address.
- 3. Pick a fixed or floating rate.
- 4. Send USDT to the one-time deposit address.
- 5. Receive XLM in your wallet.
Why swap USDT to XLM on Monivo
- Aggregated best rate. Monivo compares quotes across multiple providers so your XLM payout is the highest available on the market at quote time.
- Non-custodial. Monivo never holds your USDT or XLM. The Stellar is sent straight to the wallet address you provide.
- No account. No sign-up, no email, no KYC for standard USDT/XLM volumes.
- Fixed or floating rate. Lock the USDT/XLM rate at quote time, or use the market rate at execution.
Verify the destination address and network before confirming — crypto transfers are irreversible.
Fees and pricing
No hidden fees: the rate you see already includes Monivo's spread. Blockchain network fees and any partner processing fee are shown in full before you confirm, and the final amount you receive is quoted up front.
Network fees are set by the blockchain, not by Monivo. No account, no subscription and no withdrawal charge.
USDT → XLM FAQ
How do I swap USDT to XLM?
Enter the amount of Tether (USDT) you want to exchange, paste your Stellar wallet address, and confirm the deposit. Monivo aggregates quotes from multiple providers and settles XLM directly to your wallet — no account required.
How long does a USDT to XLM swap take?
Most USDT/XLM swaps complete in 5–20 minutes, depending on Tether (USDT) network confirmation times.
What's the fee to swap USDT to XLM?
Monivo aggregates quotes and routes to the best executable rate. The displayed quote is what you receive — there is no hidden spread. Network fees for Tether (USDT) apply on top.
Do I need an account to exchange USDT for XLM?
No. Monivo is non-custodial — provide a Stellar address and swap directly from your wallet.
What's the minimum USDT to XLM swap?
Minimums are set by the underlying liquidity provider and shown live before you confirm a quote.
Related pairs
Related comparisons for USDT → XLM
How Monivo stacks up against other exchanges and routes for these assets.
- Monivo vs Changelly for USDT → XLM swapsRates, limits and network support side by side.
- Monivo vs Binance: rates and fees for USDT → XLM swapsAggregated payouts versus Binance Convert's embedded spread.
- Stablecoin network comparison for USDT → XLM swapsTRC-20 vs ERC-20 transfers: fees, speed and routing.
- Monivo vs Uniswap: coverage and networks for USDT → XLM swapsConnection-free cross-chain routing versus an on-chain AMM.
- Instant exchanges compared for USDT → XLM swapsFixed versus floating rates and how fast each settles.
Learn more about swapping USDT to XLM
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Canonical: https://monivo.io/swap/usdt-to-xlm