# Stellar to Ripple USD (XLM to RLUSD) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive Ripple USD (RLUSD, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into RLUSD locks in a dollar value without selling on a centralized exchange. Most XLM to RLUSD swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-rlusd/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | Ripple USD (RLUSD), ERC-20 token on Ethereum | | Your RLUSD 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 | | RLUSD 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 RLUSD is sent | | Reference rate | 1 XLM ≈ 0.215188 RLUSD · 1 RLUSD ≈ 4.6471 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; RLUSD on Etherscan | | Reverse swap | [RLUSD to XLM](https://ghostswap.io/exchange/rlusd-xlm/) | ## How to swap XLM to RLUSD 1. Open https://ghostswap.io/exchange/xlm-rlusd/ and enter the amount of XLM to send. 2. Paste the RLUSD 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 RLUSD in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XLM to RLUSD on GhostSwap? Most XLM to RLUSD swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the RLUSD 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 RLUSD? 1 XLM is worth about 0.215188 RLUSD 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 RLUSD 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 RLUSD? No. GhostSwap has no accounts: you paste the Ethereum address that should receive the RLUSD, send XLM from your own wallet, and the RLUSD goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to Ripple USD? The GhostSwap fee is already included in the rate in the exchange box, so the RLUSD 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 RLUSD? To receive Ripple USD from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum network before starting the exchange. Double-check your RLUSD address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the RLUSD 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 RLUSD to an address on another network can lose the coins. ### Can I track my XLM to RLUSD 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 RLUSD on Etherscan (https://etherscan.io). ### Is it safe to exchange XLM for RLUSD on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the RLUSD is sent straight to the Ethereum address you enter, so check that address twice — Ethereum transfers cannot be reversed. ### Why swap XLM to RLUSD? Converting Stellar to Ripple 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 RLUSD 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: RLUSD to XLM](https://ghostswap.io/exchange/rlusd-xlm/) ([Markdown](https://ghostswap.io/exchange/rlusd-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)