BTC to XLM: Exchange Bitcoin for Stellar Lumens With No KYC
To exchange BTC to XLM, enter the Bitcoin amount, paste your 56-character Stellar G-address and the Bitcoin address you pay from, then send the BTC to the one-time deposit address. No account or ID is involved, a Memo is only needed when the XLM goes to an exchange account, and the lumens are sent once the deposit has one to three Bitcoin confirmations.
- Within minutes
- No account · No KYC
- Paid to your wallet
- Fees included in quote
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Data by CoinGecko
BTC to XLM Exchange Rate
The 1 Bitcoin to Stellar reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.
BTC to XLM swap at a glance
Everything that is specific to swapping Bitcoin to Stellar on GhostSwap.
It is a cross-chain swap from Bitcoin to Stellar, with no bridge and no wrapped tokens.
- Send BTCOne to three blocks to confirm on Bitcoin
- GhostSwap swaps itAt the floating rate, fees already in the quote
- Receive XLMSent to your address; Stellar confirms in a few seconds
How much XLM do you get for BTC?
GhostSwap quotes at 3 Nov 2026, 23:17 UTC. What lands in your wallet: service fee and XLM network fee already deducted.
0.001BTC0.02BTC1BTCThe rate floats with the market until your BTC deposit confirms. The minimum for this pair is about 0.00039 BTC. Enter any amount in the exchange box above for a live quote; no account needed.
The Bitcoin deposit decides the timing
Stellar closes a ledger every few seconds, so on this pair almost all of the wait is on the Bitcoin side. Your deposit needs one to three confirmations, and blocks arrive about every 10 minutes on average, with wide swings either way. After that, most swaps finish within minutes and the lumens are visible on StellarExpert almost as soon as they are sent.
Your wallet pays the Bitcoin network fee on top of the quote. It is priced in sat/vB, so a payment built from many small coins costs more than one from a single coin, even for the same amount of BTC. Sparrow and Electrum show which coins a payment will spend and let you pick the fee rate; mempool.space shows what recent blocks have needed.
A fee set far too low does not lose the coins, it only stalls the deposit. Both wallets can raise the fee later with Replace-by-Fee. The deposit is an ordinary on-chain address, so it cannot be paid over Lightning.
Where the lumens go: wallet or exchange
| Where the XLM goes | What to paste | Memo field |
|---|---|---|
| Lobstr app | The G-address under Receive | Leave empty |
| Freighter extension | The G-address of the chosen account | Leave empty |
| Ledger used through Freighter | The G-address, checked on the device | Leave empty |
| Exchange or custodial account | The shared G-address from its deposit page | The Memo shown there, exactly |
Stellar memos come in a few types, most often a short text or a number. Exchanges pick one and print it next to the address, so copy it character for character; a wrong digit is as bad as no memo. Some services also give a federation name such as name*domain or a longer address starting with M. The payout field is meant for the plain G-address, so copy that one.
Spendable lumens on a brand-new wallet
A Stellar address only becomes a live account once it receives enough XLM to cover its minimum balance, and on a fresh wallet that is 1 XLM held back by the network. The swap payout does this for you, so you can create the wallet in Lobstr or Freighter a few minutes before the swap and use its address straight away.
The minimum grows when you add things to the account. Each trustline, for example one that lets the wallet hold USDC issued on Stellar, holds back another 0.5 XLM. Your wallet subtracts all of this and shows what you can actually spend. Keep it in mind if you swap a small amount of BTC: part of the payout stays locked, and the rest is free to send.
Transaction fees on Stellar are tiny and paid in XLM, so the lumens you receive also cover every payment you make from that account later.
Bitcoin and Stellar side by side
| Bitcoin (BTC) | Stellar (XLM) | |
|---|---|---|
| Consensus | Proof of work, by miners | Stellar Consensus Protocol, by validators |
| Interval | One block per 10 minutes on average | One ledger per 5 seconds or so |
| Finality | Stronger with each block | Final once the ledger closes |
| Address | bc1, 3 or 1 | G, 56 characters |
| Memo or tag | Not used | Needed for shared exchange accounts |
| Explorer | mempool.space | StellarExpert |
The two networks share no addresses, which is why a swap is needed at all: a Bitcoin wallet cannot send to a G-address, and a Stellar wallet cannot hold BTC. On this pair you keep two wallets, one for the deposit and one for the payout. A hardware wallet can cover both: a Ledger holds bitcoin in its Bitcoin app and lumens in its Stellar app, used through Freighter, so one device signs the deposit and shows the G-address for the payout.
Refunds go back to your Bitcoin address
If a swap cannot be completed, the coins are refunded to the sender address you entered, and on this pair that means BTC on the Bitcoin network. Use an address from Sparrow, Electrum or a hardware wallet you control. A withdrawal from a trading account leaves from the platform's own addresses, and BTC returned to those may not be credited back to you.
Your swap ID opens a status page that tracks the deposit, the exchange step and the XLM payment. If the BTC is still unconfirmed, the fee is almost always the cause, and the fix is in your wallet. If the deposit shows confirmed on mempool.space but the status page has not moved for a long time, email support@ghostswap.io with the swap ID and the Bitcoin transaction ID. A second payment to the deposit address would be treated as another deposit, so wait for an answer instead.
Why people move Bitcoin into Stellar lumens
Bitcoin is a strong store of value but an awkward tool for small, frequent payments: each one waits for a block and pays a fee set by demand. Stellar was built for payments that settle in seconds for a fraction of a cent. People swap part of their BTC into XLM to send money to family who use Lobstr, to pay a service that takes lumens, or to fund a Stellar wallet that holds other assets.
Some want XLM itself in their portfolio and prefer to get it from their own Bitcoin wallet rather than open an exchange account. For how Stellar compares with the other payments ledger, see XLM vs XRP. The rate comes from aggregated liquidity from leading crypto markets, floats until your BTC deposit confirms, and the box shows the XLM after fees before you send.
Common mistakes
- Typing a Memo into the field when the G-address belongs to your own Lobstr or Freighter wallet.
- Leaving the Memo empty when the lumens go to an exchange's shared Stellar address.
- Pasting a federation name or the S-secret key instead of the public G-address.
- Paying the BTC with a fee far below what the mempool needs, so the deposit stalls.
- Expecting to spend the whole payout on a new wallet, when 1 XLM stays held as the minimum balance.
Going the other way? Swap XLM to BTC
Other ways to get Stellar (XLM)
More BTC swaps
BTC to USDT TRC20
Live prices: Bitcoin price today
BTC to XLM Live Price Chart
BTC/XLM
Reference market prices, updated live
Convert Bitcoin to Stellar
| BTC | XLM at market price |
|---|---|
| 0.00039BTC | 186.2127XLM |
| 0.0005BTC | 238.7343XLM |
| 0.001BTC | 477.4686XLM |
| 0.002BTC | 954.9371XLM |
| 0.005BTC | 2,387.34XLM |
| 0.01BTC | 4,774.69XLM |
| 0.05BTC | 23,873.43XLM |
| 0.1BTC | 47,746.86XLM |
At market prices of $77,740.00 per BTC and $0.162817 per XLM (3 Nov 2026), 0.005 BTC is worth about 2,387.34 XLM. Your exact amount, after network fees, is shown in the exchange box before you send.
Convert Stellar to Bitcoin
| XLM | BTC at market price |
|---|---|
| 250XLM | 0.000524BTC |
| 500XLM | 0.001047BTC |
| 2,500XLM | 0.005236BTC |
| 5,000XLM | 0.010472BTC |
| 25,000XLM | 0.052359BTC |
| 50,000XLM | 0.104719BTC |
Going the other way, 5,000 XLM is worth about 0.010472 BTC at the same prices.
How to Exchange Bitcoin to Stellar
Select BTC and XLM
Pick BTC in “You send” and XLM in “You get”, then enter the amount. The box shows how much XLM you get and the minimum BTC for this pair.
Enter Stellar Address
Paste the Stellar address that should receive the XLM (it starts with G and is 56 characters long). Add a Memo only if that address belongs to an exchange account. Then enter the Bitcoin address you send BTC from; a refund, if ever needed, goes there.
Send Bitcoin
Send exactly the amount shown from your own Bitcoin wallet to the one-time deposit address.
Receive Stellar
Your XLM is paid out once your BTC deposit confirms, and Stellar then confirms it in a few seconds. Most swaps finish within minutes. The exact time depends on how fast each network confirms your deposit. Follow each step on the status page with your swap ID.
BTC to XLM: questions and answers
Everything you need to know about exchanging BTC to XLM on GhostSwap.