# Stellar to Monero (XLM to XMR): no-KYC swap on GhostSwap

> Send Stellar (XLM) and receive Monero (XMR) in your own wallet, with no account and no KYC. Monero hides the sender, receiver and amount of every transfer, so the XMR you receive has no public link to your XLM history. Most XLM to XMR swaps are paid out within 5–15 minutes.

Swap page: https://ghostswap.io/exchange/xlm-xmr/
Updated: 2026-10-08

## At a glance

| | |
|---|---|
| You send | Stellar (XLM) |
| You receive | Monero (XMR) |
| Your XMR address | Monero address that is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI |
| Deposit Memo | If the deposit screen shows a Memo for your XLM, include it exactly. |
| Deposit network fee | Paid in XLM by your wallet |
| Deposit confirmation | A few seconds on Stellar |
| XMR payout | Sent to your address as soon as the swap completes; Monero confirms it in about 20 minutes (10 confirmations) |
| Typical swap time | 5–15 minutes until your XMR is sent |
| Reference rate | 1 XLM ≈ 0.000355 XMR · 1 XMR ≈ 2,814.35 XLM (market prices, 8 Oct 2026) |
| Limits | Minimum about 160 XLM. 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 |
| Reverse swap | [XMR to XLM](https://ghostswap.io/exchange/xmr-xlm/) |

## How much XMR you get (quoted 8 Oct 2026, 06:39 UTC, after all fees)

| You send | You receive |
|---|---|
| 500 XLM | 0.174337 XMR |
| 2500 XLM | 0.874170 XMR |
| 10000 XLM | 3.4972 XMR |

## How to swap XLM to XMR

1. Open https://ghostswap.io/exchange/xlm-xmr/ and enter the amount of XLM to send.
2. Paste the XMR 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 XMR in your wallet and follow the status page with your swap ID.

## Stellar to Monero: XLM deposits, memos and the minimum balance

Stellar is a payments network built for cross-border transfers and issued assets such as USDC, and XLM is its native coin. Every Stellar account, balance and payment is public on explorers like StellarExpert. XLM to XMR moves the value into Monero, which hides the sender, the receiver and the amount by default. No account is needed, and the XMR goes to the Monero address you paste.

Stellar closes a ledger about every 5 seconds, so the XLM deposit is usually credited within a minute or two. Most swaps send the XMR within 5 to 15 minutes. If the deposit screen shows a memo next to the address, send it exactly as shown. The XMR then needs 10 Monero confirmations, about 20 minutes, before your wallet lets you spend it.

### Tips

- Stellar accounts must keep a minimum XLM balance, plus more for each trustline or open offer. Send the amount your wallet shows as available, not the full balance.
- Send from your own Lobstr or Freighter account and enter that 56-character G address as the refund address. An exchange deposit address needs its own memo to credit you, so it makes a poor refund address.
- The memo question only applies to the XLM side. The Monero payout needs just a 95-character address (4...) or a subaddress (8...), with no payment ID.

### Can I trade Stellar for Monero without KYC?

Yes. An XLM to XMR swap needs nothing beyond the addresses: no account, email or ID. Paste a Monero address, add your G address for refunds, check the floating rate and send the XLM with any memo shown.

### Can I use a muxed address that starts with M?

No. The form accepts standard Stellar addresses that start with G. Use the G address of your own wallet as the refund address.

## FAQ

### How long does it take to swap XLM to XMR on GhostSwap?

Most XLM to XMR swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the XMR is sent to your wallet, and Monero confirms the payout in about 20 minutes (10 confirmations). Busy networks can add a few minutes.

### How much XMR do I get for 10,000 XLM?

At 8 Oct 2026, 06:39 UTC, 10,000 XLM swapped to about 3.4972 XMR on GhostSwap, after the service fee and the XMR network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### What are the fees for converting Stellar to Monero?

The GhostSwap fee is already included in the rate in the exchange box, so the XMR 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 XMR?

To receive Monero from your swap, we recommend using Feather, Cake Wallet or Monero GUI. MetaMask and other Ethereum wallets do not support Monero. Make sure your wallet supports the Monero network before starting the exchange. Double-check your XMR address before confirming, cryptocurrency transactions cannot be reversed.

### What format is the XMR address?

Use a Monero address: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Copy it from your wallet and paste it; never type it by hand.

### Can I track my XLM to XMR 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).

### Is it safe to exchange XLM for XMR on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the XMR is sent straight to the Monero address you enter, so check that address twice, Monero transfers cannot be reversed.

### Can my XLM to XMR swap be traced?

Your XLM transaction to GhostSwap is visible on the Stellar blockchain since Stellar is transparent: transactions are public on StellarExpert. However, once your XMR arrives in your wallet, Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction. By swapping XLM to XMR on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together.

### How does a cross-chain XLM to XMR swap work?

Stellar lives on Stellar and Monero on Monero, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native XMR on Monero, so you never hold a wrapped token or pay bridge fees.

### What happens if my XLM to XMR 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: XMR to XLM](https://ghostswap.io/exchange/xmr-xlm/) ([Markdown](https://ghostswap.io/exchange/xmr-xlm.md))
- [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md))
- [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/)
- [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)