Swap XMR to XLM 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 XLM goes straight to the wallet address you enter.
Enter the amount of Monero you want to swap in the widget above. It shows an estimate of the Stellar you will receive on the Stellar network at the current floating rate, with the payout network fee already taken into account.
Paste your XLM 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 XMR to the one-time deposit address on the Monero network. Once the deposit confirms, the swap runs automatically and the XLM is sent to your wallet. The order page shows every stage.
Swapping Monero (XMR) for Stellar (XLM) 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 XLM goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your Monero deposit confirms on Monero. The payout is sent on Stellar, so check that your Stellar address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XMR
≈
3772.5816434 XLM
At the latest hourly update, 1 XMR converts to about 3772.5816434 XLM. 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 XMR is worth about $632.69 and 1 XLM about $0.000897, so 1 XMR converts to roughly 3772.581643 XLM. These figures move with the market, and the widget shows the live estimate before you confirm.
Send Monero (XMR) from your own wallet on the Monero network and receive Stellar lumens (XLM), the native coin of Stellar, at the Stellar address you enter. Nothing asks you for an account, email or signup. A common reason to swap XMR to XLM is to move value out of a privacy coin into an asset built for cheap, quick transfers, for example to pay someone who only takes lumens or to fund a Stellar wallet that already holds other Stellar assets.
Monero hides senders, receivers and amounts with ring signatures, stealth addresses and RingCT, and its standard addresses start with 4 (subaddresses start with 8). Stellar is a public ledger secured by the Stellar Consensus Protocol, and its account addresses begin with G. The two coins live on unrelated chains, so this is a cross-chain swap. Stellar payments can carry a memo: if your receiving address belongs to an exchange, copy its memo into the memo field or the lumens may not be credited to you.
Ahead of sending, you see a floating-rate estimate of the XLM in the widget, with the exchange margin and the Stellar network fee for the payout already deducted. The final figure can shift slightly if the market moves while your Monero deposit confirms. Monero targets a new block about every two minutes, and the deposit has to collect confirmations before the exchange starts. Stellar ledgers close within seconds, so the payout leg is the short part. Each stage, plus the transaction ID, appears on your order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Monero (XMR) | Stellar (XLM) |
| Network | Monero | Stellar |
| Type | Native coin | Native coin |
| Memo / tag | Not needed | Required with your address |
| Route | Cross-chain: Monero to Stellar | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.0113131 XMR | |
| Account / ID | Not needed to start a swap | |
Only if the Stellar address belongs to an exchange or custodial service that asks for one. Those platforms share one address among many users and read the memo to credit the right account. A personal Stellar wallet you control usually needs no memo, so leave the field empty.
It does not. The XMR you send keeps Monero's privacy properties on its own chain, but the XLM payout is an ordinary Stellar payment. Stellar is a public ledger, so anyone who knows your G address can see the incoming lumens and the account balance on a block explorer.
It will, with one condition. Stellar only creates an account once it receives at least the minimum balance set by the network's base reserve, so a very small payout to a fresh address may fail to activate it. Swapping a comfortable amount, or using an address that is already funded, avoids that problem.
The quote is a floating-rate estimate, not a fixed price. If the XMR to XLM exchange rate moves while your Monero deposit waits for confirmations, the final amount follows the market. The Stellar payout fee and the exchange margin are already inside the estimate, so they are not taken a second time.
Most of the wait is on the Monero side. Monero aims for a block about every two minutes, and the deposit needs several confirmations before the exchange runs. Once the lumens are sent, Stellar settles the payment within seconds, and the order page shows which stage your swap is in.
No account, email or ID is requested to start a swap. Rarely, an automated anti-money-laundering check at a partner pauses a flagged transaction and asks for verification. Should that happen, send your transaction ID to support on Telegram at @xswap_to.
