# BNB to Stellar (BNB to XLM) — no-KYC swap on GhostSwap

> Send BNB on BNB Smart Chain and receive Stellar (XLM) in your own wallet, with no account and no KYC. It is a cross-chain swap from BNB Smart Chain to Stellar, with no bridge and no wrapped tokens. Most BNB to XLM swaps are paid out within 5–15 minutes.

Swap page: https://ghostswap.io/exchange/bnbbsc-xlm/
Updated: 2026-10-04

## At a glance

| | |
|---|---|
| You send | BNB (BNB), BNB Smart Chain |
| You receive | Stellar (XLM) |
| Your XLM address | Stellar address that starts with G and is 56 characters long. Wallets: Lobstr or Freighter |
| Memo.ID | Only needed when the XLM goes to an exchange account that gives you one. Personal wallets leave it empty. |
| Deposit network fee | Paid in BNB by your wallet |
| Deposit confirmation | Under a minute on BNB Smart Chain |
| XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds |
| Typical swap time | 5–15 minutes until your XLM is sent |
| Reference rate | 1 BNB ≈ 3,657.58 XLM · 1 XLM ≈ 0.000273 BNB (market prices, 4 Oct 2026) |
| Limits | Minimum about 0.039 BNB. The exact minimum and maximum BNB amounts are shown live in the exchange box |
| Account / KYC | None for standard swaps: no sign-up, no email, no ID |
| Tracking | Status page with your swap ID; BNB on BscScan; XLM on StellarExpert |
| Reverse swap | [XLM to BNB](https://ghostswap.io/exchange/xlm-bnbbsc/) |

## How much XLM you get (quoted 4 Oct 2026, 07:16 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.1 BNB | 358.8858 XLM |
| 0.5 BNB | 1,799.86 XLM |
| 1 BNB | 3,601.07 XLM |
| 2.5 BNB | 9,004.72 XLM |

## How to swap BNB to XLM

1. Open https://ghostswap.io/exchange/bnbbsc-xlm/ and enter the amount of BNB to send.
2. Paste the XLM address that should receive the coins (and a Memo.ID only if that address needs one).
3. Enter the BNB address you are sending from, then confirm.
4. Send the BNB to the one-time deposit address shown.
5. Receive XLM in your wallet and follow the status page with your swap ID.

## From BNB to Stellar Lumens: memo and reserve basics

BNB to XLM moves funds from BNB Smart Chain to Stellar, a network built for payments, remittances and stablecoin transfers through anchors. People take this step for cheap, near-instant transfers in wallets like Lobstr or Freighter. The XLM goes to the Stellar address you paste, with no account.

The BNB deposit clears BNB Smart Chain in under a minute, and Stellar closes a ledger every few seconds, so the payout arrives quickly. Two Stellar rules matter here: a new account is created only when it receives at least the network's minimum balance, and exchange accounts need a memo.

### Tips

- Paste a 56-character Stellar address starting with G, from Lobstr, Freighter or a hardware wallet. Muxed addresses starting with M are not accepted, so use the G address plus a memo.
- Sending to an exchange? Copy its memo into the memo field. Without it, the exchange cannot tell the deposit is yours.
- Keep a little BNB beyond the amount you swap, because BNB Smart Chain gas comes from the same balance. Enter the sending wallet as your refund address.

### Can I swap BNB for XLM with no account?

Yes. GhostSwap needs no account, email or ID for a standard swap. Paste a G address (and a memo if needed), check the floating rate and send the BNB.

### My Stellar wallet is brand new. Will the payout activate it?

Yes, as long as the payout is above Stellar's minimum account balance, which normal swap amounts are. That minimum stays locked in the account while it is open.

## FAQ

### How long does it take to swap BNB to XLM on GhostSwap?

Most BNB to XLM swaps are paid out within 5–15 minutes: the BNB deposit needs under a minute to confirm on BNB Smart Chain, then the XLM is sent to your wallet, and Stellar confirms the payout in a few seconds.

### How much is 1 BNB in XLM?

At 4 Oct 2026, 07:16 UTC, 1 BNB swapped to about 3,601.07 XLM on GhostSwap, after the service fee. The minimum for this pair is about 0.039 BNB. The BNB Smart Chain network fee for sending the BNB is paid separately, in BNB. The rate floats with the market until your BNB deposit confirms.

### Can I send BNB straight to my XLM address?

No. BNB moves on BNB Smart Chain and XLM on Stellar, so BNB can only be sent to a BNB Smart Chain address. To swap, send the BNB to the one-time deposit address GhostSwap shows, and the XLM is paid to the Stellar address you enter, with no bridge or wrapped token.

### Do I need KYC or an account to exchange BNB to XLM?

No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send BNB from your own wallet, and the XLM goes straight to that address. No email, phone number or ID upload.

### What wallet and address do I need to receive XLM?

Use a Stellar address from a wallet you control, such as Lobstr or Freighter. The address starts with G and is 56 characters long. A Memo.ID is only needed if the XLM goes to an exchange or custodial account that gave you one; a personal wallet does not need one. GhostSwap never holds your funds: the XLM is sent straight to the address you enter.

### What happens if my BNB to XLM exchange fails?

If a swap cannot be completed, the BNB is refunded to the BNB Smart Chain address you entered as the sender address.

## Related

- [Reverse: XLM to BNB](https://ghostswap.io/exchange/xlm-bnbbsc/) ([Markdown](https://ghostswap.io/exchange/xlm-bnbbsc.md))
- [All GhostSwap pairs](https://ghostswap.io/exchange/)
- [How to exchange](https://ghostswap.io/how-to-exchange/)
- [Site guide for AI assistants](https://ghostswap.io/llms.txt)