Swap XLM to ADA 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 ADA goes straight to the wallet address you enter.
Enter the amount of Stellar you want to swap in the widget above. It shows an estimate of the Cardano you will receive on the Cardano network at the current floating rate, with the payout network fee already taken into account.
Paste your ADA 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 XLM to the one-time deposit address on the Stellar network. Once the deposit confirms, the swap runs automatically and the ADA is sent to your wallet. The order page shows every stage.
Swapping Stellar (XLM) for Cardano (ADA) 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 ADA goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Stellar deposit confirms on Stellar. The payout is sent on Cardano, so check that your Cardano address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XLM
≈
0.146105 ADA
At the latest hourly update, 1 XLM converts to about 0.146105 ADA. 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
Send Stellar lumens (XLM) from any Stellar wallet and get Cardano (ADA) back at your own addr1 address, with no account in between. The XLM leaves Stellar and the ADA arrives on Cardano. One reason to swap XLM to ADA is delegating to a Cardano stake pool, which on Cardano happens from your own wallet while the coins stay spendable.
XLM runs on Stellar, a payments network that uses the Stellar Consensus Protocol and closes a ledger every few seconds. When you deposit XLM, the order page gives you an address plus a memo, and the memo must be included or the deposit cannot be matched to your order. Cardano is a proof-of-stake chain built on the Ouroboros protocol. Your ADA payout needs a Shelley-era address starting with addr1, and Cardano needs no memo. This is a cross-chain swap.
Treat the floating-rate figure in the widget as your expected result; it already subtracts the Cardano fee for sending your ADA. Final amounts can drift a little if XLM or ADA prices change before the deposit confirms. Stellar settles within seconds, and Cardano adds a block roughly every 20 seconds on average, so the exchange step and network load account for most of the wait. Your order page shows the live stage and a transaction ID for any block explorer.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Stellar (XLM) | Cardano (ADA) |
| Network | Stellar | Cardano |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: Stellar to Cardano | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 4.7210025 XLM | |
| Account / ID | Not needed to start a swap | |
The memo is required for the XLM deposit. It is shown next to the deposit address on your order page, and it tells which order an incoming Stellar payment belongs to. If you forget it, contact support on Telegram at @xswap_to with your transaction ID.
Use a standard Cardano payment address starting with addr1 from a wallet you control. Stake addresses, which start with stake1, cannot receive this payout. ADA transfers need no memo or tag.
That is a separate listing: Cardano (ADA) as a BEP-20 token on BNB Smart Chain, which pays out to a 0x address. This page sends native ADA on the Cardano network, so switch the receive coin in the selector if you want the BEP-20 version.
Stellar accounts must keep a minimum reserve of XLM to stay open, and wallets block transfers that would dip below it. Send the spendable part of your balance and leave the reserve in place. The widget shows the minimum swap amount for this pair.
The floating rate follows the market until your XLM deposit confirms, so prices can move after you create the order. The Cardano network fee for your payout and the exchange margin were already counted in the estimate, so the difference comes from that price movement.
No registration, email or password is involved. xswap.to does not ask for ID, though a partner's automated anti-money-laundering check can occasionally pause a flagged transaction and ask for verification.
