X Layer to Stellar USDC bridge

Transfer USDC from X Layer to Stellar natively with Circle's CCTP: burned on one side, minted on the other.

Fees on $1,000
from $0.64Plus operating costs · Oct 23, 2026
Arrives in
~2 min (Fast Transfer)~15–19 min if Fast Transfer is unavailable · Avg. attestation ~8s
Delivery
Native USDCBurn and mint via Circle CCTP
USDC
To your wallet after sign-in
You receive—.— USDC
How your money is secured
  • Non-custodial. Funds stay in your own wallet: an embedded wallet secured by Privy, or the wallet you connect. We never hold your keys.
  • Fees fixed at confirm. The price is signed when you confirm; nothing extra is taken later.
  • Native USDC. Circle's CCTP burns USDC on one chain and mints it on the other. No bridges, no wrapped tokens.
  • Every step on-chain. You get explorer links for each transaction and a shareable status page.
  • Circle's CCTP burns USDC on X Layer and mints the same amount on Stellar. No pool, no wrapped token.
  • You see the total fee and the guaranteed minimum you'll receive before you sign.
  • Independent app built on Circle's public CCTP; not operated by Circle. How transfers are protected →

What it costs

Full fee schedule →
sendstables service charge
$0.50
Plus operating costs and margin, shown in the quote
Circle Fast Transfer fee
about $0.14
Your gas
$0
Arrives on Stellar
up to $999.36

Example for $1,000, Circle's fees checked Oct 23, 2026. The app shows our exact fee and the guaranteed minimum before you confirm.

How the fee is calculated
PartRateNotes
sendstables fee0.05% service charge (min $0.10, no cap) plus operating costs and marginOperating costs and margin are added to the service charge. Our exact fee is in the quote.
Circle Fast Transfer fee~1.4 bps (0.014%)Circle's fee for Fast Transfer from X Layer; an estimate.
Relayer gas on StellarincludedOur relayer pays the XLM gas; it's covered by our fee.
Your gas$0No OKB or XLM needed in a sendstables wallet. A connected EVM wallet pays its own source-chain gas.
  1. Operating costs with a 30% margin are added to the service charge. Circle's fees and the amount received are estimates; the app shows live figures and the guaranteed minimum before you confirm.
  2. If Circle's Fast Transfer allowance is used up, it settles as a standard transfer instead (Circle's standard attestation average from X Layer: ~15–19 minutes).
  3. Stellar recipients need a USDC trustline; for your own Stellar wallet, the one-time setup is added to your first transfer's fee.
  4. A connected EVM wallet (instead of your sendstables wallet) pays its own OKB gas on X Layer.

How it works

  1. BurnYour USDC is burned by Circle's CCTP contract on X Layer.
  2. AttestCircle's attestation service signs the burn.
  3. MintThe same amount of native USDC is minted on Stellar.
More about X Layer → Stellar

X Layer supports CCTP V2 Fast Transfer, so Circle attests the burn after soft finality instead of waiting for full finality. If Circle's Fast Transfer allowance is used up, it settles as a standard transfer instead, with Circle's standard attestation average from X Layer at ~15–19 minutes. From X Layer to Stellar, USDC typically takes about 2 minutes with Fast Transfer (Circle's average attestation from X Layer: ~8 seconds), or longer if Circle's Fast Transfer allowance is used up (Circle's standard-transfer attestation average from X Layer: ~15–19 minutes); our relayer submits the mint on Stellar.

On X Layer, with your sendstables wallet the fee payment, approval and burn are gas-sponsored, so you don't need any OKB for gas — just the USDC you're sending. If you connect your own EVM wallet instead, it pays the OKB gas for those transactions. Stellar isn't covered by Circle's Forwarding Service, so our relayer submits the mint on Stellar and pays the XLM gas; that cost is included in the quote.

Stellar recipients need a USDC trustline. When you send to someone else's Stellar address it must be an activated G… account that already trusts Circle's USDC; when you first move USDC to your own Stellar wallet, we set it up for you and the one-time setup cost (the XLM reserve for the account and its USDC trustline) is added to that transfer's fee, shown before you confirm.

CCTP burns and re-mints instead of using a pool, so there's no slippage and no wrapped token. Learn about CCTP.

How to move USDC from X Layer to Stellar

  1. Sign in. Sign in with a one-time email code; no password is needed. You get a wallet on EVM chains, Solana and Stellar, with no seed phrase.
  2. Have USDC on X Layer. Deposit USDC on X Layer or use what's there. In your sendstables wallet you don't need any OKB for gas.
  3. Pick the route. On Swap chains, pick X Layer → Stellar and enter the amount. To pay someone else, use Send and paste their address.
  4. Review the quote. Check our fee, Circle's fees and the minimum you'll receive. The fee is fixed once you confirm.
  5. Confirm. USDC is burned on X Layer, Circle attests it, and native USDC is minted on Stellar.

Or ask your AI agent

MCP setup →

Connect Claude, Cursor or any MCP client and ask. It moves USDC within limits you set.

  • “Move 50 USDC from X Layer to Stellar.”
Show the MCP tool call
MCP tool call
{
  "name": "swap_chains",
  "arguments": {
    "from": "X_Layer",
    "to": "Stellar",
    "amount": "50",
    "idempotency_key": "x-layer-to-stellar-0001",
    "max_fee_usd": 1
  }
}

FAQ

How much does it cost to move $1,000 USDC from X Layer to Stellar, and how long does it take?

Moving $1,000 USDC from X Layer to Stellar with sendstables has a service charge of $0.50 (0.05% at this amount) plus about $0.14 in Circle fees, about $0.64 combined before operating costs and margin. It arrives as native USDC minted by Circle's CCTP (no wrapped token) and typically takes about 2 minutes with Fast Transfer (Circle's average attestation from X Layer: ~8 seconds), or longer if Circle's Fast Transfer allowance is used up (Circle's standard-transfer attestation average from X Layer: ~15–19 minutes), with no OKB needed for gas in a sendstables wallet. Estimates checked Oct 23, 2026; the in-app quote shows our exact fee, Circle's live fee estimate and the guaranteed minimum you'll receive.

How long does it take to move USDC from X Layer to Stellar?

It typically takes about 2 minutes with Fast Transfer (Circle's average attestation from X Layer: ~8 seconds), or longer if Circle's Fast Transfer allowance is used up (Circle's standard-transfer attestation average from X Layer: ~15–19 minutes). Times are estimates.

How much does it cost to bridge USDC from X Layer to Stellar?

Our fee is 0.05% service charge (min $0.10, no cap) plus operating costs and margin (the cost margin is 30%). Circle adds its Fast Transfer fee from X Layer: ~1.4 bps (0.014%) when checked. The quote shows our exact fee, Circle's live fee estimate and the guaranteed minimum you'll receive before you sign.

Is the USDC I receive on Stellar native or wrapped?

Native. CCTP burns USDC on X Layer and Circle mints the same amount on Stellar. No wrapped token, no pool, no slippage.

Do I need OKB on X Layer or XLM on Stellar for gas?

Not with a sendstables wallet: we sponsor the OKB gas. A connected EVM wallet pays its own OKB gas. Our relayer pays the XLM gas on Stellar.

Can I send USDC from X Layer to someone else's Stellar address?

Yes. Use the Send tab and paste a Stellar G… account address with a USDC trustline. The Swap tab moves USDC between your own wallets.

Does the Stellar address need a USDC trustline?

Yes. Someone else's Stellar address must be an activated G… account that already trusts Circle's USDC. The first time you move USDC to your own Stellar wallet, we set it up for you and the one-time setup cost (XLM reserve and USDC trustline) is added to that transfer's fee, shown before you confirm.

Is sendstables run by Circle?

No. sendstables is an independent app built on Circle's public CCTP. Circle issues USDC and runs CCTP; we sponsor gas, relay where needed, and charge the fee shown in the quote.