Swap & Bridge Stellar
Swap Stellar (XLM) on xswap.to with no account and no KYC, at a live price of about $0.000897. XLM trades against 809 pairs here: pick one, send your coins to a one-time deposit address, and the swap pays out straight to your wallet. Rates are floating, and you see an estimate before you send.
About Stellar (XLM)
Stellar Lumens (XLM) is the native asset of the Stellar network, a payment ledger kept in sync by validators running the Stellar Consensus Protocol instead of mining. XLM pays transaction fees and covers the minimum balance every Stellar account must hold. People swap Stellar to move remittance money into another coin, to fund a new Stellar wallet, or to convert XLM bought on an exchange into Bitcoin or a stablecoin without opening an account.
On xswap.to, XLM is listed on one network, Stellar itself, with no token version. Payout addresses are 56 characters long and start with G. The memo matters here: if you receive XLM at an exchange, that exchange gives you a memo that identifies your account, and the widget asks for it next to the address. A personal wallet usually needs no memo. A brand-new Stellar account also has to receive at least the network's minimum balance before it exists on the ledger.
Swap Stellar Lumens by entering an amount; the floating-rate estimate that appears comes with the margin and payout network fee removed already. Your own deposit costs a tiny Stellar fee. The final number can move slightly if the market shifts before the deposit is confirmed. Stellar closes a new ledger about every five seconds, so the XLM side is rarely the slow part, and the coin you swap with sets most of the wait. Follow every stage on the order page.
XLM networks on xswap.to
Each network is a separate option in the coin selector. Send and receive only on the network you pick, and use a memo or tag where one is required.
| Listing | Network | Type | Memo / tag |
|---|---|---|---|
| Stellar | Stellar | Native coin | Required |
Before you send
- Copy the memo from your exchange's XLM deposit screen into the memo field, or the exchange may not credit your payout.
- Check that your Stellar payout address starts with G and runs to 56 characters before you confirm the order.
- Paste the full G address rather than a federation name such as name*domain.com when filling in the payout field.
- Make sure a payout to a new, unfunded Stellar wallet exceeds the network's minimum account balance, or the account cannot be created.
XLM Frequently Asked Questions
Do I need a memo to receive XLM?
A memo is needed if the address is held by an exchange or another shared service that sorts deposits by memo. In that case, copy the memo exactly into the widget's memo field, because a missing memo can leave the payment uncredited. A personal Stellar wallet that you control normally needs no memo.
What does a Stellar wallet address look like?
A standard Stellar public address is 56 characters long and starts with the letter G. Some wallets also show federation names in the form name*domain.com, but the widget needs the full G address. Never paste a secret key, which starts with S, anywhere.
Why does a new Stellar account need a minimum balance?
Stellar requires every account to hold a small XLM reserve, so an address does not exist on the ledger until it receives enough to cover it. If the payout to a fresh wallet is very small, check that it clears that reserve. Your wallet app usually shows the current requirement.
Is XLM the same thing as Stellar?
Stellar is the network, and XLM, called lumens, is its native coin. The Stellar Development Foundation supports the network, and validators agree on each ledger through the Stellar Consensus Protocol rather than mining. Other assets, including stablecoins, are issued on Stellar too, but this page covers XLM only.
Do I have to sign up to exchange XLM?
There is no signup to exchange XLM on xswap.to: no account and no email. Put in your receiving address (and memo if needed), get a one-time deposit address and send your lumens. On rare occasions an automated anti-money-laundering check at a partner holds a flagged transaction and asks for verification.
Where can I check the status of my Stellar swap?
Check the live order page for your swap, which also shows a transaction ID. You can look up the Stellar side of the transfer on a block explorer such as StellarExpert. If something stalls, message support on Telegram @xswap_to with that ID.
Contact & Support
| Service | xswap.to, an instant crypto exchange for Stellar (XLM) |
|---|---|
| Exchange engine | Automated routing across multiple third-party liquidity providers |
| Custody | Non-custodial: no account, no sign-up and no ID upload. You never share a password, seed phrase or private key. |
| Support | Telegram: @xswap_to |
| Availability | 24/7 automated processing |
| Legal | Terms of Service · Privacy Policy |