XLM to XMR: Exchange Stellar for Monero Without KYC

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.

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


⚠️ 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:
$0.1990
24h Change:
-3.43%
Market Cap:
$6.97B
Volume (24h):
$176.32M
Circulating Supply:
35.04B XLM
Monero Logo
XMR
Monero
Price:
$557.66
24h Change:
-1.06%
Market Cap:
$10.50B
Volume (24h):
$113.82M
Circulating Supply:
18.81M XMR

Data by CoinGecko

XLM to XMR Exchange Rate

1 XLM = 0.000357 XMR

The 1 Stellar to Monero 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 XMR swap at a glance

Everything that is specific to swapping Stellar to Monero on GhostSwap.

Stellar (XLM)You send · Stellar network
Monero (XMR)You receive · Monero network

Monero hides the sender, receiver and amount of every transfer, so the XMR you receive has no public link to your XLM history. It is a cross-chain swap from Stellar to Monero, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your XMR 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
Your XMR address
Monero addressIt is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI.
Reference rate
1 XLM ≈ 0.000357 XMR1 XMR ≈ 2,802.21 XLM · market prices, 8 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 XMRSent to your address; Monero confirms in about 20 minutes (10 confirmations)
Facts checked 8 Oct 2026Reverse: XMR to XLM

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 for this swap

  • 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.

No-KYC Monero exchange

Going the other way? Swap XMR to XLM

Other ways to get Monero (XMR)

BTC to XMRETH to XMRUSDT to XMRUSDT TRC20 to XMRUSDC to XMRSOL to XMRLTC to XMRZEC to XMRBNB to XMRXRP to XMRDOGE to XMRTRX to XMR

More XLM swaps

XLM to HBARXLM to CROXLM to USDT TRC20XLM to SOLXLM to BNBXLM to BTCXLM to TRXXLM to USDCXLM to XRPXLM to USDTXLM to XTZXLM to BABYDOGE

Live prices: Monero price today

Coin guides: No-KYC Monero exchange

XLM to XMR Live Price Chart

XLM/XMR

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.

XMR

What is Monero?

Monero (XMR) is the leading privacy cryptocurrency, designed to make every transaction private and unlinkable by default. Unlike Bitcoin or Ethereum where all transactions are publicly visible, Monero uses ring signatures, stealth addresses, and RingCT to hide the sender, receiver, and amount in every transaction by default. Monero is widely used by people who value financial privacy.

XLM → XMR

Why Swap XLM for XMR?

Swapping Stellar to Monero on GhostSwap moves your funds into a privacy coin without KYC or account creation. Stellar is transparent: transactions are public on StellarExpert.

Shield your financial activity

Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction, so your transactions, balances and payment history stay hidden from outside observers.

Keep new funds off the public ledger

Your XLM history stays public on the Stellar blockchain. The XMR you receive sits on a chain that hides balances and payments by default, and a no-KYC swap adds no account or ID linking the two.

Low fees on the Monero network

Monero fees are extremely low, making XMR practical for regular private transactions, not just large transfers.

No identity verification required

GhostSwap processes your XLM to XMR swap without KYC, sign-ups, or personal data collection. The XLM you send is still visible on the Stellar blockchain; the privacy starts once the XMR is in your wallet.

Exchange XLM for XMR on GhostSwap with no account and no sign-up. Most swaps are paid out within 5–15 minutes after you send your XLM.

XLM

Convert Stellar to Monero

XLMXMR at market price
100XLM0.035686XMR
250XLM0.089215XMR
500XLM0.178430XMR
1,000XLM0.356861XMR
2,500XLM0.892152XMR
5,000XLM1.7843XMR
25,000XLM8.9215XMR
50,000XLM17.8430XMR

At market prices of $0.199007 per XLM and $557.6600 per XMR (8 Oct 2026), 2,500 XLM is worth about 0.892152 XMR. Your exact amount, after network fees, is shown in the exchange box before you send.

XMR

Convert Monero to Stellar

XMRXLM at market price
0.05XMR140.1106XLM
0.1XMR280.2213XLM
0.2XMR560.4426XLM
0.5XMR1,401.11XLM
1XMR2,802.21XLM
2.5XMR7,005.53XLM
10XMR28,022.13XLM
25XMR70,055.32XLM

Going the other way, 1 XMR is worth about 2,802.21 XLM at the same prices.

How to Exchange Stellar to Monero

Line Vector
Select Crypto Currency

Select XLM and XMR

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

Select Wallet Address
Line Vector

Enter Monero Address

Paste the Monero address that should receive the XMR (it is 95 characters and starts with 4 (standard) or 8 (subaddress)). 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 Monero

Your XMR is usually paid out 5–15 minutes after you send your XLM, and Monero then confirms it in about 20 minutes (10 confirmations). 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 XMR: questions and answers

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

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.
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.

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
NEAR BEP20
XLM
to
NEAR
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