XLM to ZEC: Exchange Stellar for Zcash Without KYC

Exchange XLM to ZEC: 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.

Updated 19 October 2026

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


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Stellar Logo
XLM
Stellar
Price:
$0.1858
24h Change:
3.43%
Market Cap:
$6.54B
Volume (24h):
$140.13M
Circulating Supply:
35.22B XLM
Zcash Logo
ZEC
Zcash
Price:
$1,353.96
24h Change:
12.25%
Market Cap:
$23.01B
Volume (24h):
$1.22B
Circulating Supply:
17.00M ZEC

Data by CoinGecko

XLM to ZEC Exchange Rate

1 XLM = 0.000137 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 ≈ 0.000137 ZEC1 ZEC ≈ 7,287.03 XLM · market prices, 21 Oct 2026
Minimum
About 170 XLMThe exact minimum and maximum are shown in the exchange box before you send.
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 ZECSent to your address; Zcash confirms in about 10–20 minutes
Facts checked 21 Oct 2026Reverse: ZEC to XLM

How much ZEC do I get for XLM?

GhostSwap quotes at 21 Oct 2026, 20:00 UTC. What lands in your wallet: service fee and ZEC network fee already deducted.

After all fees
500XLM
0.067409ZEC
2,500XLM
0.337770ZEC
10,000XLM
1.3507ZEC

The rate floats with the market until your XLM deposit confirms. The minimum for this pair is about 170 XLM. Enter any amount in the exchange box above for a live quote; no account needed.

XLM to ZEC at the market rate, before fees

XLMZEC, market rate, before fees
170 XLM0.023329 ZEC
250 XLM0.034308 ZEC
500 XLM0.068615 ZEC
1,000 XLM0.137230 ZEC
2,500 XLM0.343075 ZEC
5,000 XLM0.686150 ZEC
25,000 XLM3.4308 ZEC
50,000 XLM6.8615 ZEC

Market prices of $0.185804 per XLM and $1,353.96 per ZEC on 21 Oct 2026. The box above shows the amount after all fees.

XLM to ZEC price chart, market rate before fees

XLM/ZEC

Loading chart...

How do I exchange XLM to ZEC?

  1. Pick 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 after all fees, and the minimum for this pair.

  2. Paste your Zcash address

    Paste the Zcash address that should receive the ZEC: it starts with t1 or t3 for a transparent address. Wallets that work: Zodl (formerly Zashi), Zkool or Zingo. Then enter the Stellar address you send XLM from; a refund, if ever needed, goes there.

  3. Send XLM on Stellar

    Send exactly the amount shown from your own Stellar wallet to the one-time deposit address, on the Stellar network.

  4. Receive ZEC

    Your ZEC is usually paid out 5–15 minutes after you send your XLM, and Zcash then confirms it in about 10–20 minutes. Follow each step on the status page with your swap ID.

Common mistakes with XLM to ZEC

  • Pasting a unified (u1...) address instead of a transparent t1 or t3 address.
  • Reusing an old t-address that already links to other activity.
  • Sending from an exchange account, so the sender address isn't yours and a refund can't reach you.

XLM to ZEC: questions and answers

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

Which Zcash address do I use to receive ZEC?
A transparent address that starts with t1 or t3. Unified (u1...) and shielded (zs...) addresses cannot receive the payout. In Zodl, Zkool or Zingo, open Receive and copy the transparent address.
How do I make the ZEC private after it arrives?
Shield it: in Zodl, Zkool or Zingo, move the balance from the transparent address into the shielded pool. After that the sender, receiver and amount are hidden.
How long does it take to swap XLM to ZEC on GhostSwap?
Most XLM to ZEC swaps are paid out within 5–15 minutes: the XLM deposit needs a few seconds to confirm on Stellar, then the ZEC is sent to your wallet, and Zcash confirms the payout in about 10–20 minutes. Busy networks can add a few minutes.
How much is 1 XLM in ZEC?
1 XLM is worth about 0.000137 ZEC 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 ZEC network fee. The minimum for this pair is about 170 XLM. The rate floats with the market until your XLM deposit confirms, so the exchange box shows the exact 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.
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 privacy is optional: it 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 is Stellar? Stellar (XLM) is an open-source blockchain network designed for fast, low-cost cross-border payments and asset tokenization.

What is Zcash? Zcash (ZEC) is a privacy-focused cryptocurrency that pioneered the use of zero-knowledge proofs (zk-SNARKs) in blockchain technology. Zcash price today

More XLM and ZEC pages

Reverse: ZEC to XLMZcash exchange: all ZEC routesZEC to XMRBTC to ZECZEC to BTCETH to ZECZEC to SOLSOL to ZECHow to buy ZcashZcash price today