Swap XLM to XRP 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 XRP 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 XRP you will receive on the XRP Ledger network at the current floating rate, with the payout network fee already taken into account.
Paste your XRP 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 XRP is sent to your wallet. The order page shows every stage.
Swapping Stellar (XLM) for XRP (XRP) 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 XRP 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 XRP Ledger, so check that your XRP address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XLM
≈
0.106991 XRP
At the latest hourly update, 1 XLM converts to about 0.106991 XRP. 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 16:18 UTC, 1 XLM is worth about $0.000897 and 1 XRP about $1.11, so 1 XLM converts to roughly 0.106991 XRP. These figures move with the market, and the widget shows the live estimate before you confirm.
This pair takes Stellar Lumens (XLM) from your Stellar wallet and pays out XRP to an r-address on the XRP Ledger. No account needed. Holders of both coins often rebalance between them because an exchange, payment corridor or wallet supports one but not the other, and going straight from XLM to XRP skips a round trip through a fiat or stablecoin pair.
The two networks share history: Stellar began in 2014 from a fork of Ripple's code, and both are built for low-cost payments. Today Stellar runs the Stellar Consensus Protocol while XRP runs on the XRP Ledger's own consensus. They are still separate chains, so this is a cross-chain swap. Both use tags on shared addresses: a memo on your XLM deposit when the order page shows one, and a destination tag on the XRP payout if your r address belongs to an exchange.
Both ledgers close within seconds, so on-chain speed is rarely what you wait for. The widget estimate uses a floating rate and already subtracts the XRP Ledger fee for the payout; it can still move slightly if prices change before your deposit confirms. A brand-new XRP address must receive at least the ledger's base reserve to be activated, so a payout to an unfunded address below that level fails. The order page tracks everything with a transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Stellar (XLM) | XRP |
| Network | Stellar | XRP Ledger |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Required with your address |
| Route | Cross-chain: Stellar to XRP Ledger | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.3430476 XLM | |
| Account / ID | Not needed to start a swap | |
Only if the receiving address is shared, as most exchange deposit addresses are. In that case the tag is required and the widget gives you a field for it. A personal XRP wallet with its own r address does not need one.
No, they belong to opposite sides of the order. The Stellar memo comes from the order page and goes into your XLM transfer so the deposit is matched to this swap. The destination tag comes from your exchange and goes into the XRP tag field of the swap form. Putting one in the other's place can leave either side unmatched.
They are similar in purpose but separate. Both are native coins of payment-focused ledgers that reach agreement through their own consensus protocols instead of mining, and both require accounts to hold a reserve. They do not share addresses or tags, so the XRP payout needs XRP Ledger details, not Stellar ones.
The XRP Ledger requires each account to hold a minimum XRP balance, the base reserve, before it exists on the ledger. If your receiving address is new, the first payment must cover that reserve. The reserve stays locked in the account while it exists, so a new wallet shows less spendable XRP than it holds.
Stellar and the XRP Ledger both close ledgers within seconds, so blockchain confirmation is quick on both sides. Most of the time goes to detecting your deposit, running the exchange and sending the payout. The order page shows each of these stages as it happens.
That varies by exchange: an address set to require tags makes the ledger reject the payment, while others accept it without knowing which account to credit. In the second case, contact the receiving exchange's support with the transaction hash from your order page. If the payment bounced or the problem is on the xswap.to side, message @xswap_to on Telegram with the transaction ID.
