Swap BTC to XLM in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the XLM goes straight to the wallet address you enter.
Enter the amount of Bitcoin you want to swap in the widget above. It shows an estimate of the Stellar you will receive on the Stellar network at the current floating rate, with the payout network fee already taken into account.
Paste your XLM wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your BTC to the one-time deposit address on the Bitcoin network. Once the deposit confirms, the swap runs automatically and the XLM is sent to your wallet. The order page shows every stage.
Swapping Bitcoin (BTC) for Stellar (XLM) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the XLM goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Bitcoin deposit confirms on Bitcoin. The payout is sent on Stellar, so check that your Stellar address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 BTC
≈
414732.7695236 XLM
At the latest hourly update, 1 BTC converts to about 414732.7695236 XLM. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
Approximate exchange rates between these assets, refreshed hourly
As of Oct 10, 2026 21:39 UTC, 1 BTC is worth about $82,166.32 and 1 XLM about $0.000897, so 1 BTC converts to roughly 414732.769524 XLM. These figures move with the market, and the widget shows the live estimate before you confirm.
You pay in bitcoin on its own network and receive Stellar lumens (XLM) at a Stellar address of your choosing, with no account on xswap.to. Stellar is built for low-cost payments and its ledger closes every few seconds, so people often convert BTC to XLM to send value abroad, pay someone who uses a Stellar wallet, or fund an anchor service that cashes out to local currency.
XLM is the native asset of the Stellar network, which reaches agreement through the Stellar Consensus Protocol rather than mining. Stellar addresses are public keys that start with G. Bitcoin and Stellar are separate chains, so the BTC to XLM exchange is cross-chain, and the receive side can need a memo: exchanges and many custodial services use one to credit your account, and the order form has a field for it. A new Stellar account also needs a small minimum XLM balance to exist.
Rates float, so the widget's figure is an estimate that already accounts for the exchange margin and the Stellar network fee on your payout. A shift in the BTC market before your deposit confirms can nudge the result up or down a little. Expect the Bitcoin side, with blocks roughly every 10 minutes, to take most of the time. Each order gets a status page and a transaction ID, and recent orders stay listed under Track Order in your browser.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Bitcoin (BTC) | Stellar (XLM) |
| Network | Bitcoin | Stellar |
| Type | Native coin | Native coin |
| Memo / tag | Not needed | Required with your address |
| Route | Cross-chain: Bitcoin to Stellar | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.000012 BTC | |
| Account / ID | Not needed to start a swap | |
You need one when the address belongs to an exchange or custodial service that uses memos to identify customers. Copy it from their XLM deposit page into the memo field. A personal Stellar wallet that only you use normally does not need a memo.
A Stellar public address is a 56-character string that starts with the letter G. Secret keys start with S, and you should never share or paste one anywhere. The payout field on xswap.to only needs the G address.
Stellar requires every account to hold a base reserve of XLM before it exists on the ledger. If your wallet has never received lumens, the first payment has to be at least that reserve. A payout to a brand-new address that falls below that reserve can be rejected by the network.
It can change slightly, because the rate floats until your bitcoin deposit confirms. Both the exchange margin and the Stellar payout fee are already counted in the estimate. A sharp market move in that window is what makes the final figure differ.
Most of the time goes into confirming your BTC deposit on the Bitcoin network. Once the exchange completes, the XLM payout settles on Stellar within seconds. The order page marks the moment the status switches from confirming to sending.
Contact the exchange's support first with the Stellar transaction ID from your order page, because the lumens reached their wallet without your reference. Many exchanges can match such deposits manually. xswap.to support on Telegram @xswap_to can give you the payout details if you need them.
