# Cross-chain swaps and USDT0 from Stellar | Cosmos Pay

URL: https://payments.cosmospay.lat/swaps

> Swap tokens across 35 networks and send USDT0 from Stellar, with no account.

## Swap tokens across networks, no account

Swap tokens across 35 networks and send USDT0 from Stellar, with no account.

- **No account**: Open the page and swap. The public API works the same way.
- **35 networks**: Stellar, Solana and Monad markets, and every network NEAR Intents reaches.
- **Non-custodial**: Each swap is a transaction your wallet signs or a deposit address you pay.

Commission: 0.65% per swap without an account, from 0.65% to 0.07% with a plan, plus the networks' fees.

### USDT0: native USDT from Stellar

USDT0 on Stellar is Tether's omnichain USDT. Send it 1:1 through LayerZero: it arrives as native USDT on Ethereum and as USDT0 on 20 more networks. LayerZero's fee is paid in XLM, and the quote shows every fee before you sign.

### The same swaps from your code

The public swap API needs no account either: take the shared public key and call the endpoints this page uses. It charges the same 0.65% per swap.

#### Get the public key

```bash
curl "https://api.cosmospay.lat/cosmos-api/v1/public-key?env=prod"
```

#### Quote a swap between networks

```bash
curl -X POST "https://api.cosmospay.lat/cosmos-api/v1/cross-chain-swaps/quote" \
  -H "Authorization: Bearer $PUBLIC_KEY" -H "Content-Type: application/json" \
  -d '{"originChain":"stellar","originAsset":"XLM","destinationChain":"solana","destinationAsset":"SOL","amount":"100","recipient":"<solana address>","refundTo":"<stellar account>"}'
```

#### Quote USDT0 out of Stellar

```bash
curl -X POST "https://api.cosmospay.lat/cosmos-api/v1/usdt0/quote" \
  -H "Authorization: Bearer $PUBLIC_KEY" -H "Content-Type: application/json" \
  -d '{"to":"eth","amount":"100"}'
```

[API reference](https://dev.cosmospay.lat/docs/api/)

### Questions

#### Do I need an account?

No. The page and the public API use a shared public key. An account adds a history in the dashboard and, with a plan, a lower commission: from 0.65% to 0.07%.

#### Who holds my funds?

Not Cosmos Pay. A swap on one network is one transaction your wallet signs. A swap between networks waits at a NEAR Intents deposit address until NEAR Intents settles or refunds it, and USDT0 travels through LayerZero.

#### What does it cost?

0.65% per swap without an account, from 0.65% to 0.07% with a plan, plus the networks' fees. USDT0 out of Stellar also pays LayerZero's fee, in XLM. Every quote shows the fees before you sign.

#### Why does USDT0 leave a tiny remainder?

USDT0 crosses with six decimals and Stellar has seven: the seventh stays in your account.

#### Can I offer swaps to my customers?

Yes, as a service: we run the swaps, and you only set the wallet addresses that receive the money and sign with your wallet. Each swap pays your plan's commission, and you can add your own fee to it, paid to the wallet you choose.

### Related guides

[See every guide](https://payments.cosmospay.lat/learn)

#### [How to swap tokens between Stellar, Solana and Monad](https://payments.cosmospay.lat/learn/cross-chain-swaps)

Quote a swap, send the deposit and follow it to delivery: cross-chain swaps through NEAR Intents, refunded on the origin chain if they fail.

#### [How to send USDT0 from Stellar to EVM networks](https://payments.cosmospay.lat/learn/usdt0-from-stellar)

Move USDT0 from Stellar to an EVM network through LayerZero: pick a route, see the fees, sign once and follow delivery.