# Stellar to Cosmos (XLM to ATOM) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Cosmos (ATOM) on Cosmos Hub in your own wallet, with no account and no KYC. It is a cross-chain swap from Stellar to Cosmos Hub, with no bridge and no wrapped tokens. Most XLM to ATOM swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-atom/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Cosmos (ATOM), Cosmos Hub | | Your ATOM address | Cosmos Hub address that starts with cosmos1. Wallets: Keplr, Trust Wallet or Vultisig | | Memo | Only needed when the ATOM goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit Memo.ID | If the deposit screen shows a Memo.ID for your XLM, include it exactly. | | Deposit network fee | Paid in XLM by your wallet | | Deposit confirmation | A few seconds on Stellar | | ATOM payout | Sent to your address as soon as the swap completes; Cosmos Hub confirms it in under a minute | | Typical swap time | 5–15 minutes until your ATOM is sent | | Reference rate | 1 XLM ≈ 0.131486 ATOM · 1 ATOM ≈ 7.6054 XLM (market prices, 2 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; ATOM on Mintscan | | Reverse swap | [ATOM to XLM](https://ghostswap.io/exchange/atom-xlm/) | ## How to swap XLM to ATOM 1. Open https://ghostswap.io/exchange/xlm-atom/ and enter the amount of XLM to send. 2. Paste the ATOM address that should receive the coins (and a Memo only if that address needs one). 3. Enter the XLM address you are sending from, then confirm. 4. Send the XLM to the one-time deposit address shown. 5. Receive ATOM in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to ATOM on GhostSwap? Most XLM to ATOM swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the ATOM is sent to your wallet, and Cosmos Hub confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 XLM in ATOM? 1 XLM is worth about 0.131486 ATOM 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 ATOM 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 ATOM? No. GhostSwap has no accounts: you paste the Cosmos Hub address that should receive the ATOM, send XLM from your own wallet, and the ATOM goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to Cosmos? The GhostSwap fee is already included in the rate in the exchange box, so the ATOM 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 ATOM? To receive Cosmos from your swap, we recommend using Keplr, Trust Wallet or Vultisig. Make sure your wallet supports the Cosmos Hub network before starting the exchange. Double-check your ATOM address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the ATOM address? Use a Cosmos Hub address: it starts with cosmos1. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Memo to receive ATOM? Only if the ATOM goes to an exchange or custodial account that gave you a Memo; enter it in the field shown in the exchange box. A personal ATOM wallet does not need one. ### Can I track my XLM to ATOM 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 ATOM on Mintscan (https://www.mintscan.io/cosmos). ### Is it safe to exchange XLM for ATOM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the ATOM is sent straight to the Cosmos Hub address you enter, so check that address twice — Cosmos Hub transfers cannot be reversed. ### How does a cross-chain XLM to ATOM swap work? Stellar lives on Stellar and Cosmos on Cosmos Hub, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native ATOM on Cosmos Hub, so you never hold a wrapped token or pay bridge fees. ### What happens if my XLM to ATOM 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: ATOM to XLM](https://ghostswap.io/exchange/atom-xlm/) ([Markdown](https://ghostswap.io/exchange/atom-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)