XLM to PYUSD: Exchange Stellar for PayPal USD Without KYC

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.

  • 5–15 min
  • No account · No KYC
  • Paid to your wallet
  • Fees included in quote
Crypto Exchange
Buy Crypto
XLM
XLM
PYUSD
PYUSD


⚠️ 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.

Stellar Logo
XLM
Stellar
Price:
$0.1761
24h Change:
0.60%
Market Cap:
$6.20B
Volume (24h):
$95.16M
Circulating Supply:
35.21B XLM
PayPal USD Logo
PYUSD
PayPal USD
Price:
$1.00
24h Change:
0.01%
Market Cap:
$2.98B
Volume (24h):
$46.68M
Circulating Supply:
2.98B PYUSD

Data by CoinGecko

XLM to PYUSD Exchange Rate

1 XLM = 0.176125 PYUSD

The 1 Stellar to PayPal USD reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.

Live market rate

XLM to PYUSD swap at a glance

Everything that is specific to swapping Stellar to PayPal USD on GhostSwap.

Stellar (XLM)You send · Stellar network
PayPal USD (PYUSD)You receive · ERC-20 token on Ethereum

Swapping into PYUSD locks in a dollar value without selling on a centralized exchange. It is a cross-chain swap from Stellar to Ethereum, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your PYUSD 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 · PYUSD on Etherscan
Your PYUSD address
Ethereum addressIt starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger.
Reference rate
1 XLM ≈ 0.176125 PYUSD1 PYUSD ≈ 5.6778 XLM · market prices, 23 Oct 2026
Deposit Memo
Include it if shownCopy the Memo from the deposit screen exactly.
  1. Send XLMA few seconds to confirm on Stellar
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive PYUSDSent to your address; Ethereum confirms in about 2–5 minutes
Facts checked 23 Oct 2026Reverse: PYUSD to XLM

Going the other way? Swap PYUSD to XLM

Other ways to get PayPal USD (PYUSD)

BTC to PYUSDETH to PYUSDUSDT to PYUSDUSDT TRC20 to PYUSDUSDC to PYUSDSOL to PYUSDLTC to PYUSDXMR to PYUSDZEC to PYUSDBNB to PYUSDXRP to PYUSDDOGE to PYUSDXTZ to PYUSDZRX to PYUSD

More XLM swaps

XLM to HBARXLM to SOLXLM to USDT TRC20XLM to BNBXLM to BTCXLM to CROXLM to PONKEXLM to USDTXLM to ETHXLM to USDCXLM to QNTXLM to RAY

XLM to PYUSD Live Price Chart

XLM/PYUSD

Loading chart...

Reference market prices, updated live

XLM

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.

PYUSD

What is PayPal USD?

PayPal USD (PYUSD) is a stablecoin issued by PayPal, pegged 1:1 to the U.S. Dollar. It enables users to transact in a stable digital currency within the PayPal ecosystem and beyond. PYUSD aims to bridge traditional finance and cryptocurrencies, offering seamless transactions and interoperability.

XLM → PYUSD

Why Swap XLM for PYUSD?

Swapping Stellar to PayPal USD on GhostSwap moves your funds into a dollar-pegged stablecoin, all without KYC, account creation, or using a centralized exchange.

A dollar-pegged balance

PayPal USD is designed to keep a 1:1 peg to the US dollar, so the balance follows the dollar rather than the price of Stellar.

Stay in crypto

No need to cash out to a bank account. Your PYUSD is in your own wallet.

Skip the centralized exchange

No exchange deposit or withdrawal delays and no KYC requirements. GhostSwap converts XLM to PYUSD directly.

No identity verification needed

Your Stellar to PayPal USD conversion requires no account, no ID upload, and no personal information. Swap privately, wallet to wallet.

Exchange XLM for PYUSD on GhostSwap. Most swaps are paid out within 5–15 minutes after you send your XLM.

XLM

Convert Stellar to PayPal USD

XLMPYUSD at market price
100XLM17.6125PYUSD
250XLM44.0313PYUSD
500XLM88.0625PYUSD
1,000XLM176.1250PYUSD
2,500XLM440.3125PYUSD
5,000XLM880.6250PYUSD
25,000XLM4,403.13PYUSD
50,000XLM8,806.25PYUSD

At market prices of $0.176125 per XLM and $1.0000 per PYUSD (23 Oct 2026), 2,500 XLM is worth about 440.3125 PYUSD. Your exact amount, after network fees, is shown in the exchange box before you send.

PYUSD

Convert PayPal USD to Stellar

PYUSDXLM at market price
25PYUSD141.9446XLM
50PYUSD283.8893XLM
100PYUSD567.7786XLM
250PYUSD1,419.45XLM
500PYUSD2,838.89XLM
1,000PYUSD5,677.79XLM
5,000PYUSD28,388.93XLM
10,000PYUSD56,777.86XLM

Going the other way, 500 PYUSD is worth about 2,838.89 XLM at the same prices.

How to Exchange Stellar to PayPal USD

Line Vector
Select Crypto Currency

Select XLM and PYUSD

Pick XLM in “You send” and PYUSD in “You get”, then enter the amount. The box shows how much PYUSD you get and the minimum XLM for this pair.

Select Wallet Address
Line Vector

Enter PayPal USD Address

Paste the Ethereum address that should receive the PYUSD (it starts with 0x followed by 40 hexadecimal characters). Then enter the Stellar address you send XLM from; a refund, if ever needed, goes there.

Sent Crypto Currency
Line Vector

Send Stellar

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

Receive Crypto

Receive PayPal USD

Your PYUSD is usually paid out 5–15 minutes after you send your XLM, and Ethereum then confirms it in about 2–5 minutes. Follow each step on the status page with your swap ID.

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XLM to PYUSD: questions and answers

Everything you need to know about exchanging XLM to PYUSD on GhostSwap.

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 0.176125 PYUSD at the market rate, before fees (market prices, 23 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 has no accounts and no stored balance: 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.

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