XLM to XRP: Swap Stellar to XRP Without an Account
To swap XLM to XRP, enter the XLM amount, paste an XRP Ledger address that starts with r plus the Stellar G-address you send from, then send the lumens from Lobstr or Freighter, adding a Memo only if the deposit screen shows one. The XRP is paid to your own address with no account or ID, and a Destination Tag is needed only when that address belongs to an exchange account.
- Within minutes
- No account · No KYC
- Paid to your wallet
- Fees included in quote
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Data by CoinGecko
XLM to XRP Exchange Rate
The 1 Stellar to XRP reference rate at market prices, before fees.
XLM to XRP swap at a glance
Send XLM from Lobstr or Freighter.
- Send XLMA few seconds to confirm on Stellar
- GhostSwap swaps itAt the floating rate, fees already in the quote
- Receive XRPSent to your address; XRP Ledger confirms in a few seconds
How much XRP do you get for XLM?
GhostSwap quotes at 10 Nov 2026, 17:10 UTC, after the service fee and the cost of sending the XRP to your wallet.
500XLM5,000XLM10,000XLMThe rate floats with the market until your XLM deposit confirms.
Two related ledgers, two separate coins
Stellar and the XRP Ledger share some history. Jed McCaleb helped create the XRP Ledger and later co-founded Stellar in 2014, and both networks were designed for fast, low-cost payments. Both use account-based ledgers, both settle in seconds and both have a field for tagging payments to shared accounts.
The resemblance stops there. XLM and XRP are separate coins on separate chains, with separate wallets and address formats. Nothing about the shared history lets you send lumens to an r-address. A swap is the only way from one to the other.
People rebalance between the two for their own reasons: a wallet or service they want to use accepts only one of them, or they prefer to hold the other coin. The comparison in XLM vs XRP goes deeper into the differences.
Stellar Memo and XRP Destination Tag side by side
Each chain has its own tagging field, and on this pair they sit on opposite sides of the swap.
| Stellar Memo (deposit) | XRP Destination Tag (payout) | |
|---|---|---|
| Where you enter it | In your Stellar wallet when sending XLM | In the swap form, next to the r-address |
| When to use it | When the deposit screen lists a Memo | Only for an exchange or custodial account |
| Personal wallet | Copy it if shown, otherwise leave empty | Leave empty |
| Address format | G, 56 characters | starts with r |
Copy the Memo from the deposit screen exactly when it appears there. For the Destination Tag, Xaman and a Ledger need none; leave the field empty unless an exchange gave you a tag for your account.
Sending XLM from Lobstr or Freighter
Your lumens leave from a Stellar address that starts with G and is 56 characters long. Lobstr and Freighter both show it on the receive screen. The network fee is paid in XLM and is tiny compared with most chains.
Stellar accounts must keep a small minimum balance to stay open, so a wallet will not let you send every last lumen. Type a slightly lower amount than your full balance and let the wallet keep its reserve.
The deposit confirms in a few seconds. Paste the transaction hash into StellarExpert to see it, together with any Memo it carried.
The XRP side: activation and reserves
The payout goes to an XRP Ledger address that starts with r, from Xaman or a Ledger. Copy it from the wallet; never type it by hand.
A brand-new XRP address only becomes active once it holds the network reserve. If your swap is large enough to cover it, the payout itself activates the address. The reserve stays locked in the account for as long as the address exists, so the spendable balance shows slightly less than the amount received. That is a rule of the XRP Ledger, not a fee.
XRP Ledger confirms the payout in a few seconds. XRPSCAN lists it under your r-address.
Rate and timing
The quote comes from aggregated liquidity from leading crypto markets. The box shows how much XRP you receive after fees, including the XRP payout fee, before you send any XLM. The small Stellar fee your wallet charges is the only cost on top.
Neither coin is pegged to a currency, so the XLM to XRP ratio moves with both markets. The rate floats until the Stellar deposit confirms, and then most swaps finish within minutes. Both ledgers confirm in seconds, so the network side adds very little waiting.
No account, email or ID is needed; GhostSwap is a no-KYC crypto exchange.
When XLM comes back as a refund
If a swap cannot be completed, the coins are refunded to the sender address you entered. On this pair that means XLM, back to your Stellar G-address.
So the sender field matters on this pair. Enter an address from Lobstr, Freighter or a Ledger that you control. An exchange deposit address needs its own Memo to credit you, and a refund sent to it without that Memo can get stuck.
If StellarExpert shows the deposit and the status page has not moved, email support@ghostswap.io with the swap ID and the transaction hash. Do not resend the XLM.
Common mistakes
- Leaving out the Memo when the deposit screen shows one, or inventing one when it shows none.
- Adding a Destination Tag for a personal Xaman or Ledger address.
- Sending to a new XRP address with a payout too small to cover the network reserve.
- Trying to send the full XLM balance, which the Stellar minimum balance does not allow.
- Entering an exchange G-address as the refund address.
Going the other way? Swap XRP to XLM
Other ways to get XRP (XRP)
More XLM swaps
XLM to XRP Live Price Chart
XLM/XRP
Reference market prices, updated live
Convert Stellar to XRP
| XLM | XRP at market price |
|---|---|
| 250XLM | 34.4393XRP |
| 500XLM | 68.8787XRP |
| 2,500XLM | 344.3934XRP |
| 5,000XLM | 688.7867XRP |
| 25,000XLM | 3,443.93XRP |
| 50,000XLM | 6,887.87XRP |
At market prices of $0.145334 per XLM and $1.0550 per XRP (11 Nov 2026), 5,000 XLM is worth about 688.7867 XRP.
Convert XRP to Stellar
| XRP | XLM at market price |
|---|---|
| 29XRP | 210.5151XLM |
| 50XRP | 362.9571XLM |
| 100XRP | 725.9141XLM |
| 250XRP | 1,814.79XLM |
| 500XRP | 3,629.57XLM |
| 1,000XRP | 7,259.14XLM |
| 5,000XRP | 36,295.71XLM |
| 10,000XRP | 72,591.41XLM |
Going the other way, 500 XRP is worth about 3,629.57 XLM at the same prices.
How to Exchange Stellar to XRP
Select XLM and XRP
Pick XLM in “You send” and XRP in “You get”, then enter the amount.
Enter XRP Address
Paste the XRP Ledger address that should receive the XRP. Add a Destination Tag only if that address belongs to an exchange account. Then enter the Stellar address you send XLM from; a refund, if ever needed, goes there.
Send Stellar
Send exactly the amount shown from your own Stellar wallet to the one-time deposit address.
Receive XRP
Your XRP arrives on XRP Ledger. Follow each step on the status page with your swap ID.