# Stellar to Aave (XLM to AAVE): no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Aave (AAVE, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. It is a cross-chain swap from Stellar to Ethereum, with no bridge and no wrapped tokens. Most XLM to AAVE swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-aave/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Aave (AAVE), ERC-20 token on Ethereum | | Your AAVE address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | Deposit Memo | If the deposit screen shows a Memo for your XLM, include it exactly. | | Deposit network fee | Paid in XLM by your wallet | | Deposit confirmation | A few seconds on Stellar | | AAVE payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes | | Typical swap time | 5–15 minutes until your AAVE is sent | | Reference rate | 1 XLM ≈ 0.001206 AAVE · 1 AAVE ≈ 829.3990 XLM (market prices, 12 Oct 2026) | | Limits | The exact minimum and maximum XLM 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; XLM on StellarExpert; AAVE on Etherscan | | Reverse swap | [AAVE to XLM](https://ghostswap.io/exchange/aave-xlm/) | ## How to swap XLM to AAVE 1. Open https://ghostswap.io/exchange/xlm-aave/ and enter the amount of XLM to send. 2. Paste the AAVE address that should receive the coins. 3. Enter the XLM address you are sending from, then confirm. 4. Send the XLM to the one-time deposit address shown. 5. Receive AAVE in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to AAVE on GhostSwap? Most XLM to AAVE swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the AAVE is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes. ### How much is 1 XLM in AAVE? 1 XLM is worth about 0.001206 AAVE at the market rate, before fees (market prices, 12 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the AAVE network fee. The rate floats with the market until your XLM deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange XLM to AAVE? No. GhostSwap has no accounts: you paste the Ethereum address that should receive the AAVE, send XLM from your own wallet, and the AAVE goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to Aave? The GhostSwap fee is already included in the rate in the exchange box, so the AAVE amount you see is what you receive. On top of that, the Stellar network fee for your deposit is paid in XLM by your wallet. ### What wallet should I use to receive AAVE? To receive Aave from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your AAVE address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the AAVE address? Use an Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending AAVE to an address on another network can lose the coins. ### Can I track my XLM to AAVE 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 XLM payment on StellarExpert (https://stellar.expert) and your incoming AAVE on Etherscan (https://etherscan.io). ### Is it safe to exchange XLM for AAVE on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the AAVE is sent straight to the Ethereum address you enter, so check that address twice, Ethereum transfers cannot be reversed. ### How does a cross-chain XLM to AAVE swap work? Stellar lives on Stellar and Aave on Ethereum, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native AAVE on Ethereum, so you never hold a wrapped token or pay bridge fees. ### What happens if my XLM to AAVE exchange fails? If a swap cannot be completed, the XLM is refunded to the Stellar 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: AAVE to XLM](https://ghostswap.io/exchange/aave-xlm/) ([Markdown](https://ghostswap.io/exchange/aave-xlm.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)