Swap XLM to XMR 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 XMR 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 Monero you will receive on the Monero network at the current floating rate, with the payout network fee already taken into account.
Paste your XMR 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 XMR is sent to your wallet. The order page shows every stage.
Swapping Stellar (XLM) for Monero (XMR) 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 XMR 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 Monero, so check that your Monero address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
80 XLM
≈
0.0116027 XMR
At the latest hourly update, 80 XLM converts to about 0.0116027 XMR. 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 XMR about $632.69, so 1 XLM converts to roughly 0.000145 XMR. These figures move with the market, and the widget shows the live estimate before you confirm.
Your Stellar Lumens (XLM) become Monero (XMR) in this swap, paid to your own Monero wallet address, without registering anywhere. A typical case: someone paid in XLM wants part of it in a coin whose ledger hides amounts and addresses, so they move it into a Monero wallet they control instead of keeping everything on Stellar's public ledger.
Stellar records every payment, memo and account balance publicly. Monero is a proof-of-work coin that conceals the sender, receiver and amount of every transfer by default. This is a cross-chain swap, and the privacy only starts on the Monero side: your XLM deposit stays visible on Stellar. Monero payouts go to a primary address with the prefix 4 or a subaddress with the prefix 8, and no payment ID or memo is required.
The widget quotes XMR at a floating rate, with the Monero network fee for the payout already taken out of the estimate. Should XLM move before the deposit confirms, the final XMR figure can come out slightly higher or lower. Monero targets one block about every two minutes, and received XMR stays unspendable in your wallet for several blocks. Follow the order page for live status and keep its transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Stellar (XLM) | Monero (XMR) |
| Network | Stellar | Monero |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: Stellar to Monero | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 76.1430584 XLM | |
| Account / ID | Not needed to start a swap | |
Only partly. The XMR you receive is private on the Monero chain, but your XLM deposit is a public Stellar payment that anyone can see on a block explorer. Do not treat the service as anonymous either: a partner's anti-money-laundering screening may, now and then, hold a flagged order and ask for verification.
This payout needs no payment ID. Any primary address (prefix 4) or subaddress (prefix 8) from your own wallet works. Legacy payment IDs are deprecated in Monero, and subaddresses do the same job of separating incoming payments.
Monero locks newly received outputs for a short number of blocks as a protocol rule. With blocks targeted about every two minutes, the balance becomes spendable after a modest wait. Your wallet shows it as locked until then, even though the swap itself is complete.
You can, but the exchange must let you add the memo shown on the order page to the withdrawal. Some withdrawal forms call it memo, others memo ID. If there is no field for it and the order page lists a memo, send from a personal Stellar wallet instead.
It is an estimate at a floating rate. The Monero payout fee is already deducted in it, but a market move before your Stellar deposit confirms can change the final amount slightly in either direction. The order page shows the actual figure once the exchange runs.
First check that your XLM payment appears on a Stellar explorer and that it carried the right memo. If it did and the status still has not moved, contact @xswap_to on Telegram with the transaction ID. Support handles problems case by case.
