# Stellar to PayPal USD (XLM to PYUSD) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive PayPal USD (PYUSD, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into PYUSD locks in a dollar value without selling on a centralized exchange. Most XLM to PYUSD swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-pyusd/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | PayPal USD (PYUSD), ERC-20 token on Ethereum | | Your PYUSD address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | 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 | | PYUSD 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 PYUSD is sent | | Reference rate | 1 XLM ≈ 0.216259 PYUSD · 1 PYUSD ≈ 4.6241 XLM (market prices, 3 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; PYUSD on Etherscan | | Reverse swap | [PYUSD to XLM](https://ghostswap.io/exchange/pyusd-xlm/) | ## How to swap XLM to PYUSD 1. Open https://ghostswap.io/exchange/xlm-pyusd/ and enter the amount of XLM to send. 2. Paste the PYUSD 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 PYUSD in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to PYUSD on GhostSwap? Most XLM to PYUSD swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the PYUSD 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 PYUSD? 1 XLM is worth about 0.216259 PYUSD at the market rate, before fees (market prices, 3 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the PYUSD 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 PYUSD? No. GhostSwap has no accounts: you paste the Ethereum address that should receive the PYUSD, send XLM from your own wallet, and the PYUSD goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to PayPal USD? The GhostSwap fee is already included in the rate in the exchange box, so the PYUSD 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 PYUSD? To receive PayPal USD 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 PYUSD address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the PYUSD 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 PYUSD to an address on another network can lose the coins. ### Can I track my XLM to PYUSD 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 PYUSD on Etherscan (https://etherscan.io). ### Is it safe to exchange XLM for PYUSD on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the PYUSD is sent straight to the Ethereum address you enter, so check that address twice — Ethereum transfers cannot be reversed. ### Why swap XLM to PYUSD? Converting Stellar to PayPal USD moves the value into a dollar-pegged stablecoin in your own wallet, without using a centralized exchange or going through KYC. ### What happens if my XLM to PYUSD 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: PYUSD to XLM](https://ghostswap.io/exchange/pyusd-xlm/) ([Markdown](https://ghostswap.io/exchange/pyusd-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)