# Stellar to NEAR Protocol (XLM to NEAR): no-KYC swap on GhostSwap > Send Stellar (XLM) and receive NEAR Protocol (NEAR) on NEAR in your own wallet, with no account and no KYC. It is a cross-chain swap from Stellar to NEAR, with no bridge and no wrapped tokens. Most XLM to NEAR swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-nearmainnet/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | NEAR Protocol (NEAR), NEAR | | Your NEAR address | NEAR address that is a named account such as alice.near or 64 hexadecimal characters. Wallets: Meteor, HOT Wallet or MyNearWallet | | 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 | | NEAR payout | Sent to your address as soon as the swap completes; NEAR confirms it in a few seconds | | Typical swap time | 5–15 minutes until your NEAR is sent | | Reference rate | 1 XLM ≈ 0.037134 NEAR · 1 NEAR ≈ 26.9298 XLM (market prices, 8 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; NEAR on NearBlocks | | Reverse swap | [NEAR to XLM](https://ghostswap.io/exchange/nearmainnet-xlm/) | ## How to swap XLM to NEAR 1. Open https://ghostswap.io/exchange/xlm-nearmainnet/ and enter the amount of XLM to send. 2. Paste the NEAR 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 NEAR in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to NEAR on GhostSwap? Most XLM to NEAR swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the NEAR is sent to your wallet, and NEAR confirms the payout in a few seconds. Busy networks can add a few minutes. ### How much is 1 XLM in NEAR? 1 XLM is worth about 0.037134 NEAR at the market rate, before fees (market prices, 8 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the NEAR 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 NEAR? No. GhostSwap has no accounts: you paste the NEAR address that should receive the NEAR, send XLM from your own wallet, and the NEAR goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to NEAR Protocol? The GhostSwap fee is already included in the rate in the exchange box, so the NEAR 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 NEAR? To receive NEAR Protocol from your swap, we recommend using Meteor, HOT Wallet or MyNearWallet. Make sure your wallet supports the NEAR network before starting the exchange. Double-check your NEAR address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the NEAR address? Use a NEAR address: it is a named account such as alice.near or 64 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. ### Can I track my XLM to NEAR 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 NEAR on NearBlocks (https://nearblocks.io). ### Is it safe to exchange XLM for NEAR on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the NEAR is sent straight to the NEAR address you enter, so check that address twice, NEAR transfers cannot be reversed. ### How does a cross-chain XLM to NEAR swap work? Stellar lives on Stellar and NEAR Protocol on NEAR, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native NEAR on NEAR, so you never hold a wrapped token or pay bridge fees. ### What happens if my XLM to NEAR 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: NEAR to XLM](https://ghostswap.io/exchange/nearmainnet-xlm/) ([Markdown](https://ghostswap.io/exchange/nearmainnet-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)