XLM to ZEC: Exchange Stellar for Zcash Without KYC

Send Stellar (XLM) and receive Zcash (ZEC) in your own wallet, with no account and no KYC. Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address.

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


⚠️ 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:
$0.2232
24h Change:
-0.29%
Market Cap:
$7.82B
Volume (24h):
$247.68M
Circulating Supply:
35.04B XLM
Zcash Logo
ZEC
Zcash
Price:
$1,385.29
24h Change:
-1.65%
Market Cap:
$23.48B
Volume (24h):
$1.26B
Circulating Supply:
16.96M ZEC

Data by CoinGecko

XLM to ZEC Exchange Rate

1 XLM = 0.000161 ZEC

The 1 Stellar to Zcash 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 ZEC swap at a glance

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

Stellar (XLM)You send · Stellar network
Zcash (ZEC)You receive · Zcash network

Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address. It is a cross-chain swap from Stellar to Zcash, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your ZEC 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 · ZEC on Blockchair
Your ZEC address
Zcash addressIt starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo.
Reference rate
1 XLM ≈ 0.000161 ZEC1 ZEC ≈ 6,205.16 XLM · market prices, 2 Oct 2026
Minimum
About 140 XLMThe exact minimum and maximum are shown in the exchange box before you send.
Deposit Memo.ID
Include it if shownCopy the Memo.ID 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 ZECSent to your address; Zcash confirms in about 10–20 minutes
Facts checked 2 Oct 2026Reverse: ZEC to XLM

How much ZEC do you get for XLM?

GhostSwap quotes at 2 Oct 2026, 08:02 UTC. What lands in your wallet: service fee and ZEC network fee already deducted.

Fees included
500XLM
0.079183ZEC
2,500XLM
0.396199ZEC
10,000XLM
1.5849ZEC

The rate floats with the market until your XLM deposit confirms. The minimum for this pair is about 140 XLM. Enter any amount in the exchange box above for a live quote; no account needed.

Going the other way? Swap ZEC to XLM

Other ways to get Zcash (ZEC)

BTC to ZECETH to ZECUSDT to ZECUSDT TRC20 to ZECUSDC to ZECSOL to ZECLTC to ZECXMR to ZECBNB to ZECXRP to ZECDOGE to ZECTRX to ZEC

More XLM swaps

XLM to ETHXLM to USDCXLM to TRXXLM to XRPXLM to BNBXLM to USDT TRC20XLM to XMRXLM to HBARXLM to BTCXLM to SOLXLM to AVAXXLM to RENDER

Live prices: Zcash price today

XLM to ZEC Live Price Chart

XLM/ZEC

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. Exchange XLM on GhostSwap to swap Stellar Lumens for any supported cryptocurrency — fast, private, and without KYC verification.

ZEC

What is Zcash?

Zcash (ZEC) is a privacy-focused cryptocurrency that pioneered the use of zero-knowledge proofs (zk-SNARKs) in blockchain technology. Unlike Monero where privacy is mandatory, Zcash gives users the choice between transparent transactions (publicly visible, like Bitcoin) and shielded transactions (fully private — hiding sender, receiver, and amount). This flexibility makes Zcash suitable for users who want privacy when they need it while maintaining the option for transparent compliance. ZEC has been instrumental in advancing cryptographic research that now underpins many Layer 2 scaling solutions. Swap ZEC on GhostSwap for a private exchange experience — no KYC, no account, no trace.

XLM → ZEC

Why Swap XLM for ZEC?

Swapping Stellar to Zcash 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

Zcash privacy is optional — supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. Use the private option in your wallet to keep balances and payments out of public view.

No account linking the two coins

Your XLM history stays public on the Stellar blockchain. The ZEC arrives at your transparent Zcash address, and your wallet can then move it into the shielded pool, where amounts and addresses are hidden. A no-KYC swap adds no account or ID linking the two.

Low fees on the Zcash network

Zcash fees are minimal, making ZEC practical for regular private transactions — not just large transfers.

No identity verification required

GhostSwap processes your XLM to ZEC 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 ZEC is in your wallet.

Exchange XLM for ZEC on GhostSwap with no account and no sign-up. Most swaps finish in 5–15 minutes after you send your XLM.

XLM

Convert Stellar to Zcash

XLMZEC
100XLM0.016116ZEC
250XLM0.040289ZEC
500XLM0.080578ZEC
1,000XLM0.161156ZEC
2,500XLM0.402890ZEC
5,000XLM0.805781ZEC
25,000XLM4.0289ZEC
50,000XLM8.0578ZEC

At market prices of $0.223248 per XLM and $1,385.29 per ZEC (2 Oct 2026), 2,500 XLM is worth about 0.402890 ZEC. Your exact amount, after network fees, is shown in the exchange box before you send.

ZEC

Convert Zcash to Stellar

ZECXLM
0.02ZEC124.1032XLM
0.05ZEC310.2581XLM
0.2ZEC1,241.03XLM
0.5ZEC3,102.58XLM
5ZEC31,025.81XLM

Going the other way, 0.2 ZEC is worth about 1,241.03 XLM at the same prices.

How to Exchange Stellar to Zcash

Line Vector
Select Crypto Currency

Select XLM and ZEC

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

Select Wallet Address
Line Vector

Enter Zcash Address

Paste the Zcash address that should receive the ZEC (it starts with t1 or t3 for a transparent address).

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 Zcash

Your ZEC arrives on Zcash, usually 5–15 minutes after you send. Follow each step on the status page with your swap ID.

Popular swap pairs

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XMR
XMR
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USDT
USDT
to
XMR
XMR
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BTC
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SOL
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USDT
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BTC
ETH
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XRP
BTC
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DOGE
DOGE
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USDT
BTC
to
LTC
SHIB
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PEPE
PEPE
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USDT
SHIB
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USDT
BONK
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USDT
WIF
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USDT
POPCAT
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DOGE
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SHIB

XLM to ZEC: questions and answers

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

How long does it take to swap XLM to ZEC on GhostSwap?
Most XLM to ZEC swaps finish in 5–15 minutes. Your XLM deposit needs a few seconds to confirm on Stellar; after that the ZEC is sent to your wallet and Zcash confirms it in about 10–20 minutes. Busy networks can add a few minutes.
How much ZEC do I get for 10,000 XLM?
At 2 Oct 2026, 08:02 UTC, 10,000 XLM swapped to about 1.5849 ZEC on GhostSwap, after the service fee and the ZEC 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 ZEC?
No. GhostSwap has no accounts: you paste the Zcash address that should receive the ZEC, send XLM from your own wallet, and the ZEC goes straight to that address. No email, phone number or ID upload.
What are the fees for converting Stellar to Zcash?
The GhostSwap fee is already included in the rate in the exchange box, so the ZEC 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 ZEC?
To receive Zcash from your swap, we recommend using Zodl (formerly Zashi), Zkool or Zingo, which can all move ZEC into the shielded pool. Make sure your wallet supports the Zcash network before starting the exchange. Double-check your ZEC address before confirming — cryptocurrency transactions cannot be reversed.
What format is the ZEC address?
Use a Zcash address: it starts with t1 or t3 for a transparent address. Copy it from your wallet and paste it; never type it by hand.
Can I track my XLM to ZEC 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 ZEC on Blockchair (https://blockchair.com/zcash).
Is it safe to exchange XLM for ZEC on GhostSwap?
GhostSwap is non-custodial: there is no account balance holding your coins. Your XLM deposit is converted and the ZEC is sent straight to the Zcash address you enter, so check that address twice — Zcash transfers cannot be reversed.
Can my XLM to ZEC 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 ZEC arrives in your wallet, Zcash is optional — supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. By swapping XLM to ZEC on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together.
How does a cross-chain XLM to ZEC swap work?
Stellar lives on Stellar and Zcash on Zcash, two separate blockchains. Instead of a bridge, GhostSwap takes your XLM on Stellar and pays native ZEC on Zcash, so you never hold a wrapped token or pay bridge fees.
What happens if my XLM to ZEC 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
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