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
Buy Crypto
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:
$0.2243
24h Change:
0.81%
Market Cap:
$7.86B
Volume (24h):
$250.36M
Circulating Supply:
35.04B XLM
Ripple USD Logo
RLUSD
Ripple USD
Price:
$1.0000
24h Change:
-0.02%
Market Cap:
$2.51B
Volume (24h):
$276.15M
Circulating Supply:
2.51B RLUSD

Data by CoinGecko

XLM to RLUSD Exchange Rate

1 XLM = 0.224322 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 ≈ 0.224322 RLUSD1 RLUSD ≈ 4.4579 XLM · market prices, 2 Oct 2026
Deposit Memo.ID
Include it if shownCopy the Memo.ID 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 2 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 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 VETXLM 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. Exchange XLM on GhostSwap to swap Stellar Lumens for any supported cryptocurrency — fast, private, and without KYC verification.

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 lets you lock in your crypto gains by moving into a dollar-pegged stablecoin — all without KYC, account creation, or using a centralized exchange. When the market turns volatile, converting XLM to RLUSD protects your portfolio value while keeping your funds in the crypto ecosystem and ready for your next move.

Protect gains from market volatility

Ripple USD maintains a stable 1:1 peg to the US dollar, so your value is preserved regardless of what Stellar does next.

Stay in crypto without the risk

No need to cash out to a bank account. Your RLUSD is in your own wallet, ready when you spot your next opportunity.

Skip the centralized exchange

Avoid exchange deposit/withdrawal delays, trading fees, and 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 to hedge your position. Most swaps finish in 5–15 minutes after you send your XLM.

XLM

Convert Stellar to Ripple USD

XLMRLUSD at market price
100XLM22.4322RLUSD
250XLM56.0806RLUSD
500XLM112.1612RLUSD
1,000XLM224.3225RLUSD
2,500XLM560.8062RLUSD
5,000XLM1,121.61RLUSD
25,000XLM5,608.06RLUSD
50,000XLM11,216.12RLUSD

At market prices of $0.224320 per XLM and $0.999989 per RLUSD (2 Oct 2026), 2,500 XLM is worth about 560.8062 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
25RLUSD111.4467XLM
50RLUSD222.8934XLM
100RLUSD445.7868XLM
250RLUSD1,114.47XLM
500RLUSD2,228.93XLM
1,000RLUSD4,457.87XLM
5,000RLUSD22,289.34XLM
10,000RLUSD44,578.68XLM

Going the other way, 500 RLUSD is worth about 2,228.93 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 arrives on Ethereum, usually 5–15 minutes after you send. Follow each step on the status page with your swap ID.

Popular swap pairs

Explore the most popular crypto exchange pairs, including BTC to ETH, ETH to XRP, and DOGE to USDT.

BTC
to
ETH
ETH
to
BTC
BTC
to
SOL
ETH
to
SOL
BTC
to
XMR
ETH
to
XMR
SOL
to
XMR
XMR
to
USDT
USDT
to
XMR
XMR
to
BTC
BTC
to
ZEC
ETH
to
ZEC
SOL
to
ZEC
ZEC
to
USDT
USDT
to
ZEC
ZEC
to
BTC
ETH
to
XRP
BTC
to
DOGE
DOGE
to
USDT
BTC
to
LTC
SHIB
to
PEPE
PEPE
to
USDT
SHIB
to
USDT
BONK
to
USDT
WIF
to
USDT
POPCAT
to
USDT
DOGE
to
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 finish in 5–15 minutes. Your XLM deposit needs a few seconds to confirm on Stellar; after that the RLUSD is sent to your wallet and Ethereum confirms it in about 2–5 minutes. Busy networks can add a few minutes.
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 a 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 lets you exit a volatile crypto position into a dollar-pegged stablecoin without using a centralized exchange or going through KYC. This is useful for locking in profits, protecting against market downturns, or preparing funds for future trades — all while maintaining your privacy.
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.

Swap XLM to other coins

Easily swap Stellar with a wide range of cryptocurrencies. Choose your desired pair and complete the transaction seamlessly in just a few clicks

XLM
to
BTC
XLM
to
ETH
XLM
to
SOL
XLM
to
BNB
XLM
to
XRP
XLM
to
ADA
XLM
to
DOGE
XLM
to
TRX
XLM
to
LINK
XLM
to
USDC
XLM
to
USDT
XLM
to
USDT TRC20
XLM
to
USDC BEP20
XLM
to
USDC SOL
XLM
to
USDT BEP20
XLM
to
USDT SOL
XLM
to
USDT AVAX
XLM
to
USDT Polygon
XLM
to
PYUSD
XLM
to
FDUSD
XLM
to
XMR
XLM
to
ZEC
XLM
to
DASH
XLM
to
SHIB
XLM
to
AVAX
XLM
to
SUI
XLM
to
PEPE
XLM
to
BCH
XLM
to
DOT
XLM
to
LTC
XLM
to
UNI
XLM
to
CRO
XLM
to
ICP
XLM
to
WIF
XLM
to
ETC
XLM
to
POL
XLM
to
ATOM
XLM
to
APT
XLM
to
ARB
XLM
to
OP
XLM
to
FIL
XLM
to
ALGO
XLM
to
BONK
XLM
to
INJ
XLM
to
VET
XLM
to
HBAR
XLM
to
KAS
XLM
to
ZRX
XLM
to
AAVE
XLM
to
APE
XLM
to
BABYDOGE
XLM
to
BEAMX
XLM
to
BOME
XLM
to
BRETT
XLM
to
BTT
XLM
to
DEGEN
XLM
to
DRIFT
XLM
to
ELON
XLM
to
FLOKI
XLM
to
IMX
XLM
to
JUP
XLM
to
MEW
XLM
to
NOT
XLM
to
ORCA
XLM
to
PONKE
XLM
to
POPCAT
XLM
to
RAY
XLM
to
RENDER
XLM
to
SAND
XLM
to
SUNDOG
XLM
to
TAO
XLM
to
THETA
XLM
to
TIA