# Stellar to XRP (XLM to XRP) — no-KYC swap on GhostSwap > Send Stellar (XLM) and receive XRP on XRP Ledger in your own wallet, with no account and no KYC. It is a cross-chain swap from Stellar to XRP Ledger, with no bridge and no wrapped tokens. Most XLM to XRP swaps finish in 5–15 minutes. Swap page: https://ghostswap.io/exchange/xlm-xrp/ Updated: 2026-10-01 ## At a glance | | | |---|---| | You send | Stellar (XLM) | | You receive | XRP (XRP), XRP Ledger | | Your XRP address | XRP Ledger address that starts with r. Wallets: Xaman or a Ledger | | Destination Tag | Only needed when the XRP goes to an exchange account that gives you one. Personal wallets leave it empty. | | 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 | | XRP payout | Sent to your address as soon as the swap completes; XRP Ledger confirms it in a few seconds | | Typical swap time | 5–15 minutes until your XRP is sent | | Reference rate | 1 XLM ≈ 0.146990 XRP · 1 XRP ≈ 6.8032 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; XRP on XRPSCAN | | Reverse swap | [XRP to XLM](https://ghostswap.io/exchange/xrp-xlm/) | ## How much XRP you get (quoted 2 Oct 2026, 03:08 UTC, after all fees) | You send | You receive | |---|---| | 500 XLM | 72.1022 XRP | | 2500 XLM | 360.5828 XRP | | 10000 XLM | 1,442.22 XRP | ## How to swap XLM to XRP 1. Open https://ghostswap.io/exchange/xlm-xrp/ and enter the amount of XLM to send. 2. Paste the XRP address that should receive the coins (and a Destination Tag only if that address needs one). 3. Enter the XLM address you are sending from, then confirm. 4. Send the XLM to the one-time deposit address shown. 5. Receive XRP in your wallet and follow the status page with your swap ID. ## Stellar to XRP: a swap between two related payment ledgers Stellar and the XRP Ledger share a history. Jed McCaleb helped create the XRP Ledger and later co-founded Stellar in 2014, and both networks were built for fast, cheap payments, with account reserves and memo-style tags. XLM to XRP suits holders who want to rebalance between the two, and the XRP is paid to your own XRP Ledger address, with no account. Both ledgers close every few seconds, so most swaps finish in 5 to 15 minutes. Tags matter on both sides: the XLM deposit may come with a Memo ID that your payment must include, and the XRP payout needs a Destination Tag only when it goes to an exchange account. ### Tips - XRP addresses start with r. Paying into an exchange account? Enter the Destination Tag it gives you in the Destination Tag field; Xaman or a Ledger needs none. - A new XRP address is activated by its first incoming payment, which must cover the base reserve; the account then has to keep that reserve. A normal swap amount covers it. - Send XLM from your own Stellar wallet and enter its G address as the refund address, with the Memo ID if the deposit screen shows one. ### Can I swap XLM to XRP without KYC? Yes. A standard swap needs no account, email or ID. Paste your XRP address, add a Destination Tag only for an exchange account, check the floating rate and send the XLM. ### Do the Stellar memo and the XRP Destination Tag do the same job? Similar idea, different place. The Memo ID goes in your Stellar payment so the XLM deposit is matched to your swap. The Destination Tag goes in the exchange box only if the XRP is paid to an exchange account. ## FAQ ### How long does it take to swap XLM to XRP on GhostSwap? Most XLM to XRP swaps finish in 5–15 minutes. Your XLM deposit needs a few seconds to confirm on Stellar; after that the XRP is sent to your wallet and XRP Ledger confirms it in a few seconds. Busy networks can add a few minutes. ### How much XRP do I get for 10,000 XLM? At 2 Oct 2026, 03:08 UTC, 10,000 XLM swapped to about 1,442.22 XRP on GhostSwap, after the service fee and the XRP network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send. ### Do I need KYC or an account to exchange XLM to XRP? No. GhostSwap has no accounts: you paste the XRP Ledger address that should receive the XRP, send XLM from your own wallet, and the XRP goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Stellar to XRP? The GhostSwap fee is already included in the rate in the exchange box, so the XRP 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 XRP? To receive XRP from your swap, we recommend using Xaman (formerly Xumm), Trust Wallet, or a Ledger hardware wallet. A new XRP address only becomes active once it holds the small network reserve (1 XRP since December 2024). Make sure your wallet supports the XRP Ledger network before starting the exchange. Double-check your XRP address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the XRP address? Use a XRP Ledger address: it starts with r. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Destination Tag to receive XRP? Only if the XRP goes to an exchange or custodial account that gave you a Destination Tag; enter it in the field shown in the exchange box. A personal XRP wallet does not need one. ### Can I track my XLM to XRP 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 XRP on XRPScan (https://xrpscan.com). ### Is it safe to exchange XLM for XRP on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the XRP is sent straight to the XRP Ledger address you enter, so check that address twice — XRP Ledger transfers cannot be reversed. ### How does a cross-chain XLM to XRP swap work? Stellar lives on Stellar and XRP on XRP Ledger, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native XRP on XRP Ledger, so you never hold a wrapped token or pay bridge fees. ### What happens if my XLM to XRP 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: XRP to XLM](https://ghostswap.io/exchange/xrp-xlm/) - [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)