XLM to BTC: Exchange Stellar for Bitcoin Without KYC

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.

5–15 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

XLM

You Get

BTC

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.

XLM

Stellar

Price:

$0.2215

24h Change:

0.76%

Market Cap:

$7.76B

Volume (24h):

$240.31M

Circulating Supply:

35.04B XLM

BTC

Bitcoin

Price:

$85,509.00

24h Change:

1.61%

Market Cap:

$1.72T

Volume (24h):

$42.28B

Circulating Supply:

20.09M BTC

Data by CoinGecko

XLM to BTC Exchange Rate

1 XLM = 0.00000259 BTC

The 1 Stellar to Bitcoin reference rate at market prices, before fees.

Live market rate

XLM to BTC swap at a glance

Send XLM from Lobstr or Freighter.

Stellar (XLM)You send · Stellar network

Bitcoin (BTC)You receive · Bitcoin network

Swap time

5–15 minuntil your BTC is sent

Network fee

Paid in XLMby your wallet

Account / KYC

NoneNo sign-up, email or ID for standard swaps

Tracking

Live status pageXLM on StellarExpert · BTC on mempool.space

Your BTC address

Bitcoin addressIt starts with bc1, 3 or 1. Wallets: Sparrow, Electrum or a hardware wallet.

Reference rate

1 XLM ≈ 0.0000025899 BTC1 BTC ≈ 386,111.39 XLM · market prices, 2 Oct 2026

Minimum

About 140 XLM

Deposit Memo.ID

Include it if shownCopy the Memo.ID from the deposit screen exactly.

Send XLMA few seconds to confirm on Stellar
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive BTCSent to your address; Bitcoin confirms in 10–30 minutes (1–3 confirmations)

Facts checked 2 Oct 2026Reverse: BTC to XLM

How much BTC do you get for XLM?

GhostSwap quotes at 2 Oct 2026, 15:20 UTC, after the service fee and the cost of sending the BTC to your wallet.

Fees included

500XLM

0.001270BTC

2,500XLM

0.006378BTC

10,000XLM

0.025518BTC

The rate floats with the market until your XLM deposit confirms.

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 for this swap

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.

How to buy Bitcoin anonymously

XLM to BTC Live Price Chart

XLM/BTC

Loading chart...

Reference market prices, updated live

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.

What is Bitcoin?

Bitcoin (BTC) is the world's first and largest cryptocurrency, created in 2009 as a decentralized digital currency that operates without banks or intermediaries. Running on a proof-of-work blockchain, Bitcoin enables peer-to-peer value transfer across borders with no central authority. Many holders keep BTC as a long-term store of value. With the largest market capitalization and deepest liquidity of any cryptocurrency, Bitcoin is the most commonly exchanged digital asset.

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Why Swap XLM for BTC?

Converting Stellar to Bitcoin on GhostSwap moves your funds from XLM into BTC without KYC or account creation. Stellar is used for fast, cheap cross-border payments.

Two different networks

XLM runs on Stellar and BTC on Bitcoin; GhostSwap swaps between them in one step.

About Bitcoin

Bitcoin is used for peer-to-peer payments and as a long-term store of value.

Convert Stellar to Bitcoin

XLM	BTC at market price
140XLM	0.000363BTC
250XLM	0.000647BTC
500XLM	0.001295BTC
1,000XLM	0.002590BTC
2,500XLM	0.006475BTC
5,000XLM	0.012950BTC
25,000XLM	0.064748BTC
50,000XLM	0.129496BTC

At market prices of $0.221462 per XLM and $85,509.00 per BTC (2 Oct 2026), 2,500 XLM is worth about 0.006475 BTC.

Convert Bitcoin to Stellar

BTC	XLM at market price
0.00036BTC	139.0001XLM
0.0005BTC	193.0557XLM
0.001BTC	386.1114XLM
0.002BTC	772.2228XLM
0.005BTC	1,930.56XLM
0.01BTC	3,861.11XLM
0.05BTC	19,305.57XLM
0.1BTC	38,611.14XLM

Going the other way, 0.005 BTC is worth about 1,930.56 XLM at the same prices.

How to Exchange Stellar to Bitcoin

Select XLM and BTC

Pick XLM in “You send” and BTC in “You get”, then enter the amount.

Enter Bitcoin Address

Paste the Bitcoin address that should receive the BTC. Then enter the Stellar address you send XLM from; a refund, if ever needed, goes there.

Send Stellar

Send exactly the amount shown from your own Stellar wallet to the one-time deposit address.

Receive Bitcoin

Your BTC arrives on Bitcoin. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other XLM and BTC pairs.

XLM to BTC: questions and answers

How much is 1 XLM in BTC?

1 XLM is worth about 0.0000025899 BTC 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 BTC network fee. The minimum for this pair is about 140 XLM. The Stellar network fee for sending the XLM is paid separately, in XLM. The rate floats with the market until your XLM deposit confirms.

Can I send XLM straight to my BTC address?

No. XLM moves on Stellar and BTC on Bitcoin, so XLM can only be sent to a Stellar address. To swap, send the XLM to the one-time deposit address GhostSwap shows, and the BTC is paid to the Bitcoin address you enter, with no bridge or wrapped token.

What wallet and address do I need to receive BTC?

Use a Bitcoin address from a wallet you control, such as Sparrow, Electrum or a hardware wallet. The address starts with bc1, 3 or 1. GhostSwap never holds your funds: the BTC is sent straight to the address you enter.

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.