# NEAR Protocol to Stellar (NEAR to XLM): no-KYC swap on GhostSwap > Send NEAR Protocol (NEAR) on NEAR and receive Stellar (XLM) in your own wallet, with no account and no KYC. It is a cross-chain swap from NEAR to Stellar, with no bridge and no wrapped tokens. Most NEAR to XLM swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/nearmainnet-xlm/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | NEAR Protocol (NEAR), NEAR | | You receive | Stellar (XLM) | | Your XLM address | Stellar address that starts with G and is 56 characters long. Wallets: Lobstr or Freighter | | Memo | Only needed when the XLM goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in NEAR by your wallet | | Deposit confirmation | A few seconds on NEAR | | 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 NEAR ≈ 26.1456 XLM · 1 XLM ≈ 0.038247 NEAR (market prices, 8 Oct 2026) | | Limits | The exact minimum and maximum NEAR 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; NEAR on NearBlocks; XLM on StellarExpert | | Reverse swap | [XLM to NEAR](https://ghostswap.io/exchange/xlm-nearmainnet/) | ## How to swap NEAR to XLM 1. Open https://ghostswap.io/exchange/nearmainnet-xlm/ and enter the amount of NEAR to send. 2. Paste the XLM address that should receive the coins (and a Memo only if that address needs one). 3. Enter the NEAR address you are sending from, then confirm. 4. Send the NEAR to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap NEAR to XLM on GhostSwap? Most NEAR to XLM swaps are paid out within 5–15 minutes: the NEAR deposit needs a few seconds to confirm on NEAR, then the XLM is sent to your wallet, and Stellar confirms the payout in a few seconds. Busy networks can add a few minutes. ### How much is 1 NEAR in XLM? 1 NEAR is worth about 26.1456 XLM at the market rate, before fees (market prices, 8 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XLM network fee. The rate floats with the market until your NEAR deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange NEAR to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send NEAR 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 NEAR Protocol 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 NEAR network fee for your deposit is paid in NEAR 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 to receive XLM? Only if the XLM goes to an exchange or custodial account that gave you a Memo; enter it in the field shown in the exchange box. A personal XLM wallet does not need one. ### Can I track my NEAR 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 NEAR payment on NearBlocks (https://nearblocks.io) and your incoming XLM on StellarExpert (https://stellar.expert). ### Is it safe to exchange NEAR for XLM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your NEAR 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 NEAR to XLM swap work? NEAR Protocol lives on NEAR and Stellar on Stellar, two separate blockchains. Instead of a bridge, GhostSwap takes your NEAR on NEAR and pays native XLM on Stellar, so you never hold a wrapped token or pay bridge fees. ### What happens if my NEAR to XLM exchange fails? If a swap cannot be completed, the NEAR is refunded to the NEAR 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 NEAR](https://ghostswap.io/exchange/xlm-nearmainnet/) ([Markdown](https://ghostswap.io/exchange/xlm-nearmainnet.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)