XLM to XRP: Exchange Stellar for XRP Without KYC

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.

5–15 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

XLM

You Get

XRP

Recipient Wallet

Sender Address

⚠️ 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.

XLM

Stellar

Price:

$0.1848

24h Change:

3.29%

Market Cap:

$6.51B

Volume (24h):

$137.07M

Circulating Supply:

35.22B XLM

XRP

Price:

$1.38

24h Change:

4.62%

Market Cap:

$87.34B

Volume (24h):

$1.88B

Circulating Supply:

63.13B XRP

Data by CoinGecko

XLM to XRP Exchange Rate

1 XLM = 0.133908 XRP

The 1 Stellar to XRP reference rate at market prices, before fees.

Live market rate

XLM to XRP swap at a glance

Send XLM from Lobstr or Freighter.

Stellar (XLM)You send · Stellar network

XRPYou receive · XRP Ledger network

Swap time

5–15 minuntil your XRP 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 · XRP on XRPSCAN

Your XRP address

XRP Ledger addressIt starts with r. Wallets: Xaman or a Ledger.

Reference rate

1 XLM ≈ 0.133908 XRP1 XRP ≈ 7.4678 XLM · market prices, 21 Oct 2026

Minimum

About 170 XLM

Destination Tag for XRP

Only for exchange accountsPersonal wallets leave it empty.

Deposit Memo

Include it if shownCopy the Memo from the deposit screen exactly.

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

Facts checked 21 Oct 2026Reverse: XRP to XLM

How much XRP do you get for XLM?

GhostSwap quotes at 21 Oct 2026, 19:20 UTC, after the service fee and the cost of sending the XRP to your wallet.

Fees included

500XLM

65.9540XRP

2,500XLM

329.8350XRP

10,000XLM

1,319.18XRP

The rate floats with the market until your XLM deposit confirms.

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 for this swap

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.

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XLM to XRP Live Price Chart

XLM/XRP

Loading chart...

Reference market prices, updated live

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.

What is XRP?

XRP is the native cryptocurrency of the XRP Ledger, an open-source blockchain designed for fast, low-cost cross-border payments. Transactions on the XRP Ledger settle in just 3-5 seconds with negligible fees, making it one of the most efficient payment networks in the cryptocurrency space. XRP is widely used for international remittances and liquidity transfers between financial institutions. Unlike proof-of-work chains, the XRP Ledger uses a consensus protocol that is energy-efficient and highly scalable.

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Why Swap XLM for XRP?

Converting Stellar to XRP on GhostSwap moves your funds to XRP Ledger without needing KYC or a centralized exchange. Where Stellar transactions take a few seconds (Stellar ledgers close about every 5 seconds), XRP confirms in 3–5 seconds.

Confirmation times

From a few seconds (Stellar ledgers close about every 5 seconds) on Stellar to 3–5 seconds on XRP Ledger.

Network fees

Stellar fees are a tiny fraction of a cent. After swapping, XRP transaction fees are negligible, typically a fraction of a cent.

Access fast cross-border payments and remittances

XRP is used for fast cross-border payments and remittances.

Convert Stellar to XRP

XLM	XRP at market price
170XLM	22.7644XRP
250XLM	33.4770XRP
500XLM	66.9540XRP
1,000XLM	133.9080XRP
2,500XLM	334.7699XRP
5,000XLM	669.5399XRP
25,000XLM	3,347.70XRP
50,000XLM	6,695.40XRP

At market prices of $0.184793 per XLM and $1.3800 per XRP (21 Oct 2026), 2,500 XLM is worth about 334.7699 XRP.

Convert XRP to Stellar

XRP	XLM at market price
25XRP	186.6954XLM
50XRP	373.3908XLM
250XRP	1,866.95XLM
500XRP	3,733.91XLM
5,000XRP	37,339.08XLM

Going the other way, 250 XRP is worth about 1,866.95 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.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other XLM and XRP pairs.

XLM to XRP: questions and answers

How long does it take to swap XLM to XRP on GhostSwap?

Most XLM to XRP swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the XRP is sent to your wallet, and XRP Ledger confirms the payout in a few seconds.

How much is 1 XLM in XRP?

1 XLM is worth about 0.133908 XRP at the market rate, before fees (market prices, 21 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XRP network fee. The minimum for this pair is about 170 XLM. The Stellar network fee for sending the XLM is paid separately, in XLM. The rate floats with the market until your XLM deposit confirms.

Can I send XLM straight to my XRP address?

No. XLM moves on Stellar and XRP on XRP Ledger, so XLM can only be sent to a Stellar address. To swap, send the XLM to the one-time deposit address GhostSwap shows, and the XRP is paid to the XRP Ledger address you enter, with no bridge or wrapped token.

What wallet and address do I need to receive XRP?

Use an XRP Ledger address from a wallet you control, such as Xaman or a Ledger. A new XRP address only becomes active once it holds the small network reserve (1 XRP since December 2024). The address starts with r. A Destination Tag is only needed if the XRP goes to an exchange or custodial account that gave you one; a personal wallet does not need one. GhostSwap never holds your funds: the XRP is sent straight to the address you enter.

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.