XLM to RLUSD: Exchange Stellar for Ripple USD Without KYC

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.

  • 5–15 min
  • No account · No KYC
  • Non-custodial
  • Fees included in quote
Crypto Exchange
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XLM
XLM
RLUSD
RLUSD


⚠️ Enter the exact wallet you are sending from. Your funds must be sent from this address.

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Stellar Logo
XLM
Stellar
Price:
$0.1855
24h Change:
2.31%
Market Cap:
$6.53B
Volume (24h):
$139.54M
Circulating Supply:
35.22B XLM
Ripple USD Logo
RLUSD
Ripple USD
Price:
$1.00
24h Change:
-0.01%
Market Cap:
$2.35B
Volume (24h):
$198.36M
Circulating Supply:
2.35B RLUSD

Data by CoinGecko

XLM to RLUSD Exchange Rate

1 XLM = 0.185458 RLUSD

The 1 Stellar to Ripple 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 RLUSD swap at a glance

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

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

Swapping into RLUSD 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 RLUSD 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 · RLUSD on Etherscan
Your RLUSD address
Ethereum addressIt starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger.
Reference rate
1 XLM ≈ 0.185458 RLUSD1 RLUSD ≈ 5.3921 XLM · market prices, 21 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 RLUSDSent to your address; Ethereum confirms in about 2–5 minutes
Facts checked 21 Oct 2026Reverse: RLUSD to XLM

Going the other way? Swap RLUSD to XLM

Other ways to get Ripple USD (RLUSD)

BTC to RLUSDETH to RLUSDUSDT to RLUSDUSDT TRC20 to RLUSDUSDC to RLUSDSOL to RLUSDLTC to RLUSDXMR to RLUSDZEC to RLUSDBNB to RLUSDXRP to RLUSDDOGE to RLUSDXTZ to RLUSDAAVE to RLUSD

More XLM swaps

XLM to XRPXLM to TRXXLM to PONKEXLM to XMRXLM to HBARXLM to ETHXLM to USDTXLM to CROXLM to BNBXLM to BTCXLM to SANDXLM to SHIB

XLM to RLUSD Live Price Chart

XLM/RLUSD

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.

RLUSD

What is Ripple USD?

Ripple USD (RLUSD) is a U.S. dollar stablecoin issued by Ripple and backed by dollar deposits and short-term Treasuries. This version is the ERC-20 token on Ethereum.

XLM → RLUSD

Why Swap XLM for RLUSD?

Swapping Stellar to Ripple 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

Ripple 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 RLUSD is in your own wallet.

Skip the centralized exchange

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

No identity verification needed

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

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

XLM

Convert Stellar to Ripple USD

XLMRLUSD at market price
100XLM18.5458RLUSD
250XLM46.3645RLUSD
500XLM92.7290RLUSD
1,000XLM185.4580RLUSD
2,500XLM463.6450RLUSD
5,000XLM927.2900RLUSD
25,000XLM4,636.45RLUSD
50,000XLM9,272.90RLUSD

At market prices of $0.185458 per XLM and $1.0000 per RLUSD (21 Oct 2026), 2,500 XLM is worth about 463.6450 RLUSD. Your exact amount, after network fees, is shown in the exchange box before you send.

RLUSD

Convert Ripple USD to Stellar

RLUSDXLM at market price
25RLUSD134.8014XLM
50RLUSD269.6028XLM
100RLUSD539.2056XLM
250RLUSD1,348.01XLM
500RLUSD2,696.03XLM
1,000RLUSD5,392.06XLM
5,000RLUSD26,960.28XLM
10,000RLUSD53,920.56XLM

Going the other way, 500 RLUSD is worth about 2,696.03 XLM at the same prices.

How to Exchange Stellar to Ripple USD

Line Vector
Select Crypto Currency

Select XLM and RLUSD

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

Select Wallet Address
Line Vector

Enter Ripple USD Address

Paste the Ethereum address that should receive the RLUSD (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 Ripple USD

Your RLUSD 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.

Popular swap pairs

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WIF
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POPCAT
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DOGE
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SHIB

XLM to RLUSD: questions and answers

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

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 0.185458 RLUSD at the market rate, before fees (market prices, 21 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.

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