# Ripple USD to Stellar (RLUSD to XLM) — no-KYC swap on GhostSwap > Send Ripple USD (RLUSD, 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. Most RLUSD to XLM swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/rlusd-xlm/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Ripple USD (RLUSD), ERC-20 token on Ethereum | | 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 ETH, so keep a little ETH next to your RLUSD | | Deposit confirmation | About 2–5 minutes on Ethereum | | XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds | | Typical swap time | 10–25 minutes until your XLM is sent | | Reference rate | 1 RLUSD ≈ 4.5684 XLM · 1 XLM ≈ 0.218894 RLUSD (market prices, 2 Oct 2026) | | Limits | The exact minimum and maximum RLUSD 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; RLUSD on Etherscan; XLM on StellarExpert | | Reverse swap | [XLM to RLUSD](https://ghostswap.io/exchange/xlm-rlusd/) | ## How to swap RLUSD to XLM 1. Open https://ghostswap.io/exchange/rlusd-xlm/ and enter the amount of RLUSD 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 RLUSD address you are sending from, then confirm. 4. Send the RLUSD 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 RLUSD to XLM on GhostSwap? Most RLUSD to XLM swaps are paid out within 10–25 minutes: the RLUSD 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 RLUSD in XLM? 1 RLUSD is worth about 4.5684 XLM at the market rate, before fees (market prices, 2 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 RLUSD deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange RLUSD to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send RLUSD 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 Ripple 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 RLUSD. ### 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 RLUSD 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 RLUSD payment on Etherscan (https://etherscan.io) and your incoming XLM on StellarExpert (https://stellar.expert). ### Is it safe to exchange RLUSD for XLM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your RLUSD 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 RLUSD to XLM? Converting Ripple 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 RLUSD to XLM exchange fails? If a swap cannot be completed, the RLUSD 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. ## Related - [Reverse: XLM to RLUSD](https://ghostswap.io/exchange/xlm-rlusd/) ([Markdown](https://ghostswap.io/exchange/xlm-rlusd.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)