RLUSD to XLM: Exchange Ripple USD for Stellar Without KYC

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.

10–25 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

RLUSD

You Get

XLM

Recipient Wallet

Sender Address

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

By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.

RLUSD

Ripple USD

Price:

$1.00

24h Change:

-0.01%

Market Cap:

$2.36B

Volume (24h):

$198.07M

Circulating Supply:

2.36B RLUSD

XLM

Stellar

Price:

$0.1855

24h Change:

2.09%

Market Cap:

$6.53B

Volume (24h):

$140.58M

Circulating Supply:

35.22B XLM

Data by CoinGecko

RLUSD to XLM Exchange Rate

1 RLUSD = 5.3912 XLM

The 1 Ripple 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

RLUSD to XLM swap at a glance

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

Ripple USD (RLUSD)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 pageRLUSD 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 RLUSD ≈ 5.3912 XLM1 XLM ≈ 0.185489 RLUSD · market prices, 21 Oct 2026

Memo for XLM

Only for exchange accountsPersonal wallets leave it empty.

Send RLUSDAbout 2–5 minutes to confirm on Ethereum
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive XLMSent to your address; Stellar confirms in a few seconds

Facts checked 21 Oct 2026Reverse: XLM to RLUSD

RLUSD to XLM Live Price Chart

RLUSD/XLM

Loading chart...

Reference market prices, updated live

What is Ripple USD?

Ripple USD (RLUSD) is a U.S. dollar stablecoin issued by Ripple and backed by dollar deposits and short-term Treasuries. This version is the ERC-20 token on Ethereum.

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.

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Why Swap RLUSD for XLM?

Converting Ripple USD to Stellar on GhostSwap gets you XLM without signing up for a centralized exchange or completing KYC verification. Your RLUSD 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 RLUSD for XLM on GhostSwap. Stellar fees are a tiny fraction of a cent.

Convert Ripple USD to Stellar

RLUSD	XLM at market price
25RLUSD	134.7789XLM
50RLUSD	269.5578XLM
100RLUSD	539.1155XLM
250RLUSD	1,347.79XLM
500RLUSD	2,695.58XLM
1,000RLUSD	5,391.16XLM
5,000RLUSD	26,955.78XLM
10,000RLUSD	53,911.55XLM

At market prices of $1.0000 per RLUSD and $0.185489 per XLM (21 Oct 2026), 500 RLUSD is worth about 2,695.58 XLM. Your exact amount, after network fees, is shown in the exchange box before you send.

Convert Stellar to Ripple USD

XLM	RLUSD at market price
100XLM	18.5489RLUSD
250XLM	46.3723RLUSD
500XLM	92.7445RLUSD
1,000XLM	185.4890RLUSD
2,500XLM	463.7225RLUSD
5,000XLM	927.4450RLUSD
25,000XLM	4,637.23RLUSD
50,000XLM	9,274.45RLUSD

Going the other way, 2,500 XLM is worth about 463.7225 RLUSD at the same prices.

How to Exchange Ripple USD to Stellar

Select RLUSD and XLM

Pick RLUSD in “You send” and XLM in “You get”, then enter the amount. The box shows how much XLM you get and the minimum RLUSD 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 Ethereum address you send RLUSD from; a refund, if ever needed, goes there.

Send Ripple 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 Stellar

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

Popular swap pairs

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RLUSD to XLM: questions and answers

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

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 5.3912 XLM at the market rate, before fees (market prices, 21 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 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 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.