Swap
XLMto
USDC on Polygon
STELLAR → POLYGON · NO WALLET CONNECTION · NO SIGN-UP · NO KYC
No wallet connection is needed to swap XLM for USDC on Polygon. Send XLM once from Lobstr, Freighter, Ledger or an exchange withdrawal, and USDC lands at any Polygon address you choose. Stellar deposits are matched by memo. The order page shows a memo next to the deposit address, and you must include both.
Route at a glance
- YOU SEND
- XLMon Stellar
- YOU RECEIVE
- USDCon Polygon
- SETTLEMENT
- Stellar → aggregated liquidity → Polygon
- WALLET CONNECTION
- None — you send one deposit to a unique address
- ACCOUNT / KYC
- None — no sign-up at any amount
How the XLM to USDC swap works
- 01
Pick this route
On the exchange, choose XLM on Stellar as what you send and USDC on Polygon as what you receive, then enter the recipient address and review the live quote.
- 02
Send one deposit
A unique Stellar deposit address is generated for your order. Send the quoted XLM amount to it from any wallet or exchange — no wallet connection, no sign-up, no KYC.
- 03
Receive USDC on Polygon
Settlement runs across our aggregated liquidity sources, and USDC lands at the recipient address on Polygon. Follow every stage live on the order page.
XLM to USDC FAQ
Do I need to connect a Stellar wallet?
No. The exchange issues a deposit address on Stellar and you send XLM to it from Lobstr, Freighter, Ledger or an exchange withdrawal. Nothing is signed in the browser.
How long does XLM to USDC on Polygon take?
Usually a few minutes from the moment your XLM deposit confirms. The quote shows an ETA for this exact route before you send anything.
Which Polygon address can receive the USDC?
Any Polygon address, a standard 0x… EVM address. Polygon PoS uses your usual 0x address.
Do I need POL on Polygon to receive USDC?
No. Receiving a token costs the recipient nothing. You only need POL later, when you move the USDC out of that address.
What happens if the swap fails after I send XLM?
You enter a Stellar refund address on the order form before the deposit address is issued. If the route cannot complete, your XLM goes back there and the order page shows the refund.