# Stellar to Bitcoin (XLM to BTC) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Bitcoin (BTC) in your own wallet, with no account and no KYC. It is a cross-chain swap from Stellar to Bitcoin, with no bridge and no wrapped tokens. Most XLM to BTC swaps finish in 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-btc/ Updated: 2026-10-01 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Bitcoin (BTC) | | Your BTC address | Bitcoin address that starts with bc1, 3 or 1. Wallets: Sparrow, Electrum or a hardware wallet | | 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 | | BTC payout | Sent to your address as soon as the swap completes; Bitcoin confirms it in 10–30 minutes (1–3 confirmations) | | Typical swap time | 5–15 minutes until your BTC is sent | | Reference rate | 1 XLM ≈ 0.0000025866 BTC · 1 BTC ≈ 386,604.97 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; BTC on mempool.space | | Reverse swap | [BTC to XLM](https://ghostswap.io/exchange/btc-xlm/) | ## How much BTC you get (quoted 2 Oct 2026, 07:21 UTC, after all fees) | You send | You receive | |---|---| | 500 XLM | 0.001269 BTC | | 2500 XLM | 0.006366 BTC | | 10000 XLM | 0.025480 BTC | ## How to swap XLM to BTC 1. Open https://ghostswap.io/exchange/xlm-btc/ and enter the amount of XLM to send. 2. Paste the BTC 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 BTC in your wallet and follow the status page with your swap ID. ## Stellar to Bitcoin: seconds in, ten-minute blocks out XLM to BTC suits Stellar holders who want part of their balance in Bitcoin, often to keep on a hardware wallet. Stellar is designed for fast, cheap transfers, while Bitcoin is the coin most wallets and services accept. The BTC goes to the Bitcoin address you enter, with no account. The XLM deposit is final within seconds once it reaches the deposit address with the right memo, so the swap usually reaches the payout in 5 to 15 minutes. The slow part is the other side: the BTC payout waits for the next Bitcoin block, about 10 minutes on average. ### Tips - Paste a Bitcoin address (bc1, 3 or 1) from a wallet you control. If the BTC is for long-term storage, take the address from your hardware wallet's app. - If the deposit screen shows a Memo ID, add it to your Stellar payment exactly. It is a number, so if your wallet asks for a memo type, choose ID rather than Text. - Send from your own Stellar wallet and enter its G address as the refund address. Stellar accounts keep a minimum balance, so you cannot send every last XLM. ### Can I convert XLM to BTC without KYC? Yes. A standard swap needs no account, email or ID. Paste your Bitcoin address, check the floating rate and send the XLM, with the Memo ID if one is shown. ### How long does XLM to BTC take? Usually 5 to 15 minutes until the BTC is sent, because Stellar confirms the deposit in seconds. After that, the BTC needs to be included in a Bitcoin block, which takes about 10 minutes on average. ## FAQ ### How long does it take to swap XLM to BTC on GhostSwap? Most XLM to BTC swaps finish in 5–15 minutes. Your XLM deposit needs a few seconds to confirm on Stellar; after that the BTC is sent to your wallet and Bitcoin confirms it in 10–30 minutes (1–3 confirmations). Busy networks can add a few minutes. ### How much BTC do I get for 10,000 XLM? At 2 Oct 2026, 07:21 UTC, 10,000 XLM swapped to about 0.025480 BTC on GhostSwap, after the service fee and the BTC network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send. ### Do I need KYC or an account to exchange XLM to BTC? No. GhostSwap has no accounts: you paste the Bitcoin address that should receive the BTC, send XLM from your own wallet, and the BTC goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to Bitcoin? The GhostSwap fee is already included in the rate in the exchange box, so the BTC 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 BTC? To receive Bitcoin from your swap, we recommend using Electrum, Sparrow Wallet, or a hardware wallet like Ledger or Trezor. Make sure your wallet supports the Bitcoin network before starting the exchange. Double-check your BTC address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the BTC address? Use a Bitcoin address: it starts with bc1, 3 or 1. Copy it from your wallet and paste it; never type it by hand. ### Can I track my XLM to BTC 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 BTC on Mempool.space (https://mempool.space). ### Is it safe to exchange XLM for BTC on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the BTC is sent straight to the Bitcoin address you enter, so check that address twice — Bitcoin transfers cannot be reversed. ### How does a cross-chain XLM to BTC swap work? Stellar lives on Stellar and Bitcoin on Bitcoin, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native BTC on Bitcoin, so you never hold a wrapped token or pay bridge fees. ### What happens if my XLM to BTC 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: BTC to XLM](https://ghostswap.io/exchange/btc-xlm/) - [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)