MATIC → Mainnet

Swap USDT to XLM

Exchange USDT from Polygon PoS into XLM on Stellar. The provider waits for the USDT deposit before arranging the XLM payout on the destination network. Track those as separate transactions rather than using a sending-chain confirmation as proof of receipt.

Tether (Polygon) to Stellar (Mainnet)

You send: Tether (Polygon)USDT · MATIC
You receive: Stellar (Mainnet)XLM · Mainnet

Enter your amount to check live availability for USDT on MATIC → XLM on Mainnet. A provider quote is required before you can create a swap.

Address and network checks

Use the order’s Polygon PoS deposit address for USDT, and your own Stellar receiving address for XLM. Keep the refund address on Polygon PoS; the payout address is not automatically a valid refund destination.

Sending USDT

The provider’s MATIC label identifies Polygon PoS for this entry. The network’s gas asset is POL; do not select Ethereum or Polygon zkEVM instead. Match the USDT network and token supported by the receiving service. A USDT balance on one chain does not automatically appear on another, and a dollar reference does not guarantee the quoted exchange value.

For a standard self-custody transfer on Polygon PoS, allow for network fees in POL, separately from your USDT balance. Wallet sponsorship and exchange withdrawal charges can differ; check the sending wallet’s final fee.

Receiving XLM

Choose Stellar using the Mainnet option shown in this directory. Follow the selected provider’s exact deposit instructions before sending. Match the memo value and memo type requested by the receiving service. Native XLM is different from other assets issued on Stellar, which have their own issuers. This listed XLM/Mainnet option is marked for an extra ID by the provider directory. Enter the receiving service’s required memo or extra ID. Use 0 only if your receiving wallet requires none. This flag does not mean every Stellar wallet requires a memo.

Refund address for this pair

Enter a refund address that accepts USDT on MATIC. The refund is sent in USDT on MATIC; verify that your refund wallet supports this exact asset and network.

Swap the other direction: XLM to USDT

CROSS-CHAIN EXCHANGE

Make your move

Wallet to wallet

Provider privacy rating

ⓘ

You sendMATIC

Min. 5.216441 · Max. 1,630,137.70685396Tether (Polygon)

You receiveMainnet

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Connecting to providers…Stellar (Mainnet)

Recipient address XLM

Timing depends on the pair and provider ↗

INDEPENDENT EXCHANGE PROVIDERSConnecting…

SENDING ASSET

Tether USDt on Polygon PoS

USDt is Tether’s dollar-referenced token. The USDT ticker appears on several networks, each with its own token representation and transfer requirements.

Read the USDT network guide →

RECEIVING ASSET

Stellar on Stellar

XLM, also called lumens, is Stellar’s native asset. Exchanges may use transaction memos to assign incoming payments to the correct customer.

Read the XLM network guide →

About this USDT / XLM route

Can I swap USDT on MATIC to XLM on Mainnet?

Both assets are listed in our coin directory. Enter your amount to request a live quote for this exact direction and network combination. A swap can proceed only when a provider returns a usable quote; liquidity, limits and rate types can change.

Which network fee applies when sending USDT?

What should I check before receiving XLM on Stellar?

Match the memo value and memo type requested by the receiving service. Native XLM is different from other assets issued on Stellar, which have their own issuers. This listed XLM/Mainnet option is marked for an extra ID by the provider directory. Enter the receiving service’s required memo or extra ID. Use 0 only if your receiving wallet requires none. This flag does not mean every Stellar wallet requires a memo.

How much XLM will I get for USDT?

Enter your USDT amount to see an approximate receive amount. Click Find the best route to compare providers. Floating rates can change before conversion; fixed quotes follow the selected provider’s terms.

Does a confirmed USDT deposit mean my XLM has arrived?

No. Deposit confirmation on Polygon PoS, provider processing and payout on Stellar are separate steps. Use Track swap to see the order status, then check the XLM balance on the receiving network. A live quote or historical route check does not guarantee completion time.