PYUSD to XLM: Exchange PayPal USD for Stellar Without KYC

Send PayPal USD (PYUSD, an ERC-20 token on Ethereum) and receive Stellar (XLM) in your own wallet, with no account and no KYC. It turns a dollar balance into Stellar in one step.

  • 10–25 min
  • No account · No KYC
  • Non-custodial
  • Fees included in quote
Crypto Exchange
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PYUSD
PYUSD
XLM
XLM


⚠️ Enter the exact wallet you are sending from. Your funds must be sent from this address.

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PayPal USD Logo
PYUSD
PayPal USD
Price:
$0.9992
24h Change:
-0.04%
Market Cap:
$2.88B
Volume (24h):
$104.25M
Circulating Supply:
2.89B PYUSD
Stellar Logo
XLM
Stellar
Price:
$0.1993
24h Change:
-2.79%
Market Cap:
$6.98B
Volume (24h):
$178.94M
Circulating Supply:
35.04B XLM

Data by CoinGecko

PYUSD to XLM Exchange Rate

1 PYUSD = 5.0145 XLM

The 1 PayPal USD to Stellar reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.

Live market rate

PYUSD to XLM swap at a glance

Everything that is specific to swapping PayPal USD to Stellar on GhostSwap.

PayPal USD (PYUSD)You send · ERC-20 token on Ethereum
Stellar (XLM)You receive · Stellar network

It turns a dollar balance into Stellar in one step. It is a cross-chain swap from Ethereum to Stellar, with no bridge and no wrapped tokens.

Swap time
10–25 minuntil your XLM is sent
Network fee
Paid in ETHkeep a little ETH too
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pagePYUSD on Etherscan · XLM on StellarExpert
Your XLM address
Stellar addressIt starts with G and is 56 characters long. Wallets: Lobstr or Freighter.
Reference rate
1 PYUSD ≈ 5.0145 XLM1 XLM ≈ 0.199424 PYUSD · market prices, 8 Oct 2026
Memo for XLM
Only for exchange accountsPersonal wallets leave it empty.
  1. Send PYUSDAbout 2–5 minutes to confirm on Ethereum
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive XLMSent to your address; Stellar confirms in a few seconds
Facts checked 8 Oct 2026Reverse: XLM to PYUSD

Going the other way? Swap XLM to PYUSD

Other ways to get Stellar (XLM)

BTC to XLMETH to XLMUSDT to XLMUSDT TRC20 to XLMUSDC to XLMSOL to XLMLTC to XLMXMR to XLMZEC to XLMBNB to XLMXRP to XLMDOGE to XLMQNT to XLMRAY to XLM

More PYUSD swaps

PYUSD to USDT AVAXPYUSD to XAUTPYUSD to SOLPYUSD to NOTPYUSD to USDT TRC20PYUSD to BNBPYUSD to BTCPYUSD to USDT BEP20PYUSD to LTCPYUSD to SUIPYUSD to XRPPYUSD to XTZ

PYUSD to XLM Live Price Chart

PYUSD/XLM

Loading chart...

Reference market prices, updated live

PYUSD

What is PayPal USD?

PayPal USD (PYUSD) is a stablecoin issued by PayPal, pegged 1:1 to the U.S. Dollar. It enables users to transact in a stable digital currency within the PayPal ecosystem and beyond. PYUSD aims to bridge traditional finance and cryptocurrencies, offering seamless transactions and interoperability.

XLM

What is Stellar?

Stellar (XLM) is an open-source blockchain network designed for fast, low-cost cross-border payments and asset tokenization. Founded by Jed McCaleb (co-founder of Ripple), Stellar focuses on connecting financial institutions and making money transfers accessible to the unbanked. Transactions on Stellar settle in 3-5 seconds with fees under $0.01, making it one of the most efficient payment networks available. XLM is the native currency used for transaction fees and as a bridge between different currencies.

PYUSD → XLM

Why Swap PYUSD for XLM?

Converting PayPal USD to Stellar on GhostSwap gets you XLM without signing up for a centralized exchange or completing KYC verification. Your PYUSD converts to XLM directly, with no identity requirements.

Get Stellar without an exchange account

Get Stellar without creating exchange accounts or submitting ID documents.

About Stellar

Stellar is used for fast, cheap cross-border payments. Unlike a dollar-pegged stablecoin, its price moves with the market.

Typical swap time

Most swaps are paid out within 10–25 minutes, with no exchange deposit queue and no withdrawal hold.

No sign-up or verification

GhostSwap processes your swap with just a wallet address. No accounts and no KYC.

Exchange PYUSD for XLM on GhostSwap. Stellar fees are a tiny fraction of a cent.

PYUSD

Convert PayPal USD to Stellar

PYUSDXLM at market price
25PYUSD125.3613XLM
50PYUSD250.7226XLM
100PYUSD501.4453XLM
250PYUSD1,253.61XLM
500PYUSD2,507.23XLM
1,000PYUSD5,014.45XLM
5,000PYUSD25,072.26XLM
10,000PYUSD50,144.53XLM

At market prices of $0.999225 per PYUSD and $0.199269 per XLM (8 Oct 2026), 500 PYUSD is worth about 2,507.23 XLM. Your exact amount, after network fees, is shown in the exchange box before you send.

XLM

Convert Stellar to PayPal USD

XLMPYUSD at market price
100XLM19.9424PYUSD
250XLM49.8559PYUSD
500XLM99.7118PYUSD
1,000XLM199.4236PYUSD
2,500XLM498.5589PYUSD
5,000XLM997.1178PYUSD
25,000XLM4,985.59PYUSD
50,000XLM9,971.18PYUSD

Going the other way, 2,500 XLM is worth about 498.5589 PYUSD at the same prices.

How to Exchange PayPal USD to Stellar

Line Vector
Select Crypto Currency

Select PYUSD and XLM

Pick PYUSD in “You send” and XLM in “You get”, then enter the amount. The box shows how much XLM you get and the minimum PYUSD for this pair.

Select Wallet Address
Line Vector

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 Ethereum address you send PYUSD from; a refund, if ever needed, goes there.

Sent Crypto Currency
Line Vector

Send PayPal USD

Send exactly the amount shown from your own Ethereum wallet to the one-time deposit address. Keep a little ETH in that wallet for the network fee.

Receive Crypto

Receive Stellar

Your XLM is usually paid out 10–25 minutes after you send your PYUSD, and Stellar then confirms it in a few seconds. Follow each step on the status page with your swap ID.

Popular swap pairs

Explore the most popular crypto exchange pairs, including BTC to ETH, ETH to XRP, and DOGE to USDT.

BTC
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ETH
ETH
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BTC
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SOL
ETH
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SOL
BTC
to
XMR
ETH
to
XMR
SOL
to
XMR
XMR
to
USDT
USDT
to
XMR
XMR
to
BTC
BTC
to
ZEC
ETH
to
ZEC
SOL
to
ZEC
ZEC
to
USDT
USDT
to
ZEC
ZEC
to
BTC
ETH
to
XRP
BTC
to
DOGE
DOGE
to
USDT
BTC
to
LTC
SHIB
to
PEPE
PEPE
to
USDT
SHIB
to
USDT
BONK
to
USDT
WIF
to
USDT
POPCAT
to
USDT
DOGE
to
SHIB

PYUSD to XLM: questions and answers

Everything you need to know about exchanging PYUSD to XLM on GhostSwap.

How long does it take to swap PYUSD to XLM on GhostSwap?
Most PYUSD to XLM swaps are paid out within 10–25 minutes: the PYUSD deposit needs about 2–5 minutes to confirm on Ethereum, 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 PYUSD in XLM?
1 PYUSD is worth about 5.0145 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 PYUSD deposit confirms, so the exchange box shows the exact amount before you send.
Do I need KYC or an account to exchange PYUSD to XLM?
No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send PYUSD 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 PayPal USD 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, your wallet needs a little ETH to pay the Ethereum network fee for sending PYUSD.
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 PYUSD 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 PYUSD payment on Etherscan (https://etherscan.io) and your incoming XLM on StellarExpert (https://stellar.expert).
Is it safe to exchange PYUSD for XLM on GhostSwap?
GhostSwap is non-custodial: there is no account balance holding your coins. Your PYUSD 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.
Why swap PYUSD to XLM?
Converting PayPal USD to Stellar moves dollar-pegged funds into Stellar. Stellar is used for fast, cheap cross-border payments. Unlike a stablecoin, its price moves with the market. GhostSwap needs no account on a centralized exchange and no KYC.
What happens if my PYUSD to XLM exchange fails?
If a swap cannot be completed, the PYUSD is refunded to the Ethereum 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.

Swap PYUSD to other coins

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PYUSD
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BNB
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ADA
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DOGE
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LINK
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USDC
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USDC BEP20
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USDT BEP20
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to
USDT SOL
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to
USDT AVAX
PYUSD
to
USDT Polygon
PYUSD
to
FDUSD
PYUSD
to
XMR
PYUSD
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ZEC
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SHIB
PYUSD
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AVAX
PYUSD
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SUI
PYUSD
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PEPE
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BCH
PYUSD
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DOT
PYUSD
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LTC
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UNI
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CRO
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PYUSD
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PYUSD
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WIF
PYUSD
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ETC
PYUSD
to
POL
PYUSD
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ATOM
PYUSD
to
NEAR BEP20
PYUSD
to
NEAR
PYUSD
to
APT
PYUSD
to
ARB
PYUSD
to
OP
PYUSD
to
FIL
PYUSD
to
ALGO
PYUSD
to
BONK
PYUSD
to
INJ
PYUSD
to
VET
PYUSD
to
HBAR
PYUSD
to
KAS
PYUSD
to
ZRX
PYUSD
to
AAVE
PYUSD
to
APE
PYUSD
to
BABYDOGE
PYUSD
to
BEAMX
PYUSD
to
BOME
PYUSD
to
BRETT
PYUSD
to
BTT
PYUSD
to
DEGEN
PYUSD
to
DRIFT
PYUSD
to
ELON
PYUSD
to
FLOKI
PYUSD
to
IMX
PYUSD
to
JUP
PYUSD
to
MEW
PYUSD
to
NOT
PYUSD
to
ORCA
PYUSD
to
PONKE
PYUSD
to
POPCAT
PYUSD
to
RAY
PYUSD
to
RENDER
PYUSD
to
SAND
PYUSD
to
SUNDOG
PYUSD
to
TAO
PYUSD
to
THETA
PYUSD
to
TIA