How the swap works
-
Type the USDT amount and paste your Stellar payout address on Stellar mainnet.
-
Press Exchange to open the live quote and the deposit address for this order.
-
Broadcast USDT to that deposit. After the required confirmations, XLM is sent to your wallet.
Check these before you send
- TRC-20 USDT confirms quickly on Tron β usually within a minute or two.
- Never send USDT on the wrong network. TRC-20, ERC-20, and other variants are not interchangeable.
- Keep a small TRX balance in your wallet to pay Tron energy/bandwidth for TRC-20 sends.
- If XLM has not appeared yet, wait a few minutes and refresh the wallet. When the order already shows a payout tx, contact support with your order ID.
Tether β USD-pegged stablecoin
USDT tracks the US dollar and is widely used for trading and transfers β always pick the chain listed on the order (TRC-20, ERC-20, and others are not the same).
USDT network mismatch
The most common error is sending ERC-20 USDT to a TRC-20 address or vice versa.
Double-check the network badge on your order before sending.
Stellar β fast payments network
XLM (Stellar Lumens) powers the Stellar network β built for low-cost cross-border transfers and tokenized assets.
XLM not visible yet?
Resync your Stellar wallet. If the order shows a sent transaction, verify the address and memo match your wallet.
When will XLM arrive?
Stellar settlements are usually very quick once your deposit confirms.
- Check Stellar Expert or a similar explorer with the payout tx hash.
- Confirm whether your wallet needs a destination memo for incoming funds.
- Keep a small XLM reserve if your wallet requires a minimum balance.
Read before you send
Wrong-network deposits and address mistakes are the usual failure modes β start with these notes.
Coin swap hubs
More no-KYC swap pairs and guides for each asset.
Frequently asked questions
Does USDT to XLM require KYC or an account?
No. PeakSwap does not ask for a profile, ID documents, or a hosted balance for Tether to Stellar.
How long until XLM arrives?
Many orders finish in a few minutes. TRC-20 on Tron deposit confirmations and Stellar mainnet payout time set the wait.
Do you hold USDT or XLM for me?
No. You send USDT from a wallet you control and XLM is paid to the address you provide β PeakSwap does not keep a user wallet.
What if I send USDT on the wrong chain?
Use TRC-20 on Tron exactly as shown on the order. A wrong-network send may not be credited β read the swap safety notes first.