# Bitcoin to Stellar (BTC to XLM) — no-KYC swap on GhostSwap > Send Bitcoin (BTC) and receive Stellar (XLM) in your own wallet, with no account and no KYC. It is a cross-chain swap from Bitcoin to Stellar, with no bridge and no wrapped tokens. Most BTC to XLM swaps finish in 20–60 minutes. Swap page: https://ghostswap.io/exchange/btc-xlm/ Updated: 2026-10-01 ## At a glance | | | |---|---| | You send | Bitcoin (BTC) | | 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 BTC by your wallet | | Deposit confirmation | 10–30 minutes (1–3 confirmations) on Bitcoin | | XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds | | Typical swap time | 20–60 minutes until your XLM is sent | | Reference rate | 1 BTC ≈ 388,872.04 XLM · 1 XLM ≈ 0.0000025715 BTC (market prices, 2 Oct 2026) | | Limits | Minimum about 0.00036 BTC. The exact minimum and maximum BTC 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; BTC on mempool.space; XLM on StellarExpert | | Reverse swap | [XLM to BTC](https://ghostswap.io/exchange/xlm-btc/) | ## How much XLM you get (quoted 2 Oct 2026, 01:22 UTC, after all fees) | You send | You receive | |---|---| | 0.001 BTC | 381.8332 XLM | | 0.005 BTC | 1,919.60 XLM | | 0.02 BTC | 7,685.89 XLM | | 1 BTC | 384,162.91 XLM | ## How to swap BTC to XLM 1. Open https://ghostswap.io/exchange/btc-xlm/ and enter the amount of BTC 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 BTC address you are sending from, then confirm. 4. Send the BTC to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## Bitcoin to Stellar: what to know before you swap BTC to XLM swaps Bitcoin into Stellar Lumens, a fast, low-cost payments network. The XLM is paid to your own Stellar address, with no account. Most of the waiting time is the Bitcoin confirmation; Stellar payouts then settle within seconds. ### Tips - Stellar addresses start with G. Receiving to an exchange account? Enter its Memo ID in the memo field. - Bitcoin addresses start with bc1, 3 or 1. Enter the address you send from as the sender address. - A new Stellar account must hold a small XLM reserve to be activated; normal swap amounts cover this. ### Can I swap BTC to XLM without an account? Yes. Choose BTC and XLM, paste your Stellar address (plus memo if needed) and send the Bitcoin. ### Do I need a memo? Only for exchange or shared addresses that ask for one. ## FAQ ### How long does it take to swap BTC to XLM on GhostSwap? Most BTC to XLM swaps finish in 20–60 minutes. Your BTC deposit needs 10–30 minutes (1–3 confirmations) to confirm on Bitcoin; after that the XLM is sent to your wallet and Stellar confirms it in a few seconds. Busy networks can add a few minutes. ### How much XLM do I get for 1 BTC? At 2 Oct 2026, 01:22 UTC, 1 BTC swapped to about 384,162.91 XLM on GhostSwap, after the service fee and the XLM network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send. ### Do I need KYC or an account to exchange BTC to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send BTC from your own wallet, and the XLM goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Bitcoin to Stellar? The GhostSwap fee is already included in the rate in the exchange box, so the XLM amount you see is what you receive. On top of that, the Bitcoin network fee for your deposit is paid in BTC by your wallet. ### What wallet should I use to receive XLM? To receive Stellar from your swap, we recommend using Lobstr or Freighter. Make sure your wallet supports the Stellar network before starting the exchange. Double-check your XLM address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the XLM address? Use a Stellar address: it starts with G and is 56 characters long. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Memo.ID to receive XLM? Only if the XLM goes to an exchange or custodial account that gave you a Memo.ID; enter it in the field shown in the exchange box. A personal XLM wallet does not need one. ### Can I track my BTC to XLM swap? Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your BTC payment on Mempool.space (https://mempool.space) and your incoming XLM on StellarExpert (https://stellar.expert). ### Is it safe to exchange BTC for XLM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your BTC deposit is converted and the XLM is sent straight to the Stellar address you enter, so check that address twice — Stellar transfers cannot be reversed. ### How does a cross-chain BTC to XLM swap work? Bitcoin lives on Bitcoin and Stellar on Stellar, two separate blockchains. Instead of a bridge, GhostSwap takes your BTC on Bitcoin and pays native XLM on Stellar, so you never hold a wrapped token or pay bridge fees. ### What happens if my BTC to XLM exchange fails? If a swap cannot be completed, the BTC is refunded to the Bitcoin address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network. ## Related - [Reverse: XLM to BTC](https://ghostswap.io/exchange/xlm-btc/) - [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)