Swap XLM to BTC 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 BTC 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 Bitcoin you will receive on the Bitcoin network at the current floating rate, with the payout network fee already taken into account.
Paste your BTC 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 BTC is sent to your wallet. The order page shows every stage.
Swapping Stellar (XLM) for Bitcoin (BTC) 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 BTC 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 Bitcoin, so check that your Bitcoin address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
30 XLM
≈
0.0000601 BTC
At the latest hourly update, 30 XLM converts to about 0.0000601 BTC. 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 Nov 4, 2026 14:54 UTC, 1 XLM is worth about $0.000897 and 1 BTC about $77,978.07, so 1 XLM converts to roughly 0.000002 BTC. These figures move with the market, and the widget shows the live estimate before you confirm.
You pay Stellar lumens (XLM) from your wallet and receive native bitcoin (BTC) at a Bitcoin address you control, with no account or email. A typical user is someone who relied on Stellar for cheap transfers or remittances and now wants to hold that value as bitcoin in cold storage, where long-term custody matters more than transfer speed.
Stellar is built for quick, low-cost payments, and its native coin XLM also pays the tiny network fees. Your deposit goes to a Stellar address beginning with G, together with a memo listed on the order page, and that memo is required. Bitcoin is the original proof-of-work chain. The BTC payout needs a Bitcoin address in bc1, 3 or 1 format and no memo. Because the assets sit on separate blockchains, this is a cross-chain trade.
Use the widget to swap XLM to BTC: it shows a floating-rate estimate from which the Bitcoin miner fee for your payout has already been taken. If prices move before the XLM deposit confirms, the BTC you get can come out slightly higher or lower. Stellar handles its part in seconds, while Bitcoin targets a block about every 10 minutes, so the payout side drives timing. Watch progress and copy the transaction ID from the order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Stellar (XLM) | Bitcoin (BTC) |
| Network | Stellar | Bitcoin |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: Stellar to Bitcoin | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 27.7115438 XLM | |
| Account / ID | Not needed to start a swap | |
Native SegWit and Taproot addresses starting with bc1, nested SegWit addresses starting with 3, and legacy addresses starting with 1 all work. Copy it from a wallet you control. Do not paste a Lightning invoice or an address from another network.
It identifies your order. Stellar payments to the deposit address are matched by memo, so a payment without it, or with a mistyped one, cannot be credited automatically. Copy it from the order page character for character.
Stellar closes ledgers every few seconds, so your deposit confirms almost at once. Bitcoin produces a block about every 10 minutes on average, and the payout has to be included in one. Fee pressure on the Bitcoin network can add to that.
The Bitcoin network fee for sending your payout is deducted from the BTC amount, and the widget estimate already reflects it along with the exchange margin. You pay only the small Stellar fee yourself when sending XLM.
You can. There is no signup or email, and xswap.to does not ask for ID. In rare cases an automated anti-money-laundering check run by a partner may pause a flagged transaction and request verification.
xswap.to never asks for private keys or seed phrases, holds no account balances, and gives each order its own deposit address. The risks you control are the memo, the BTC address and the amount. Since neither Stellar nor Bitcoin transfers can be reversed, check all three before you send.
