# Monero to Stellar (XMR to XLM): no-KYC swap on GhostSwap > Send Monero (XMR) and receive Stellar (XLM) in your own wallet, with no account and no KYC. The XLM arrives as an ordinary transfer on Stellar, while the XMR you send stays private on its own chain. Most XMR to XLM swaps are paid out within 20–60 minutes. Swap page: https://ghostswap.io/exchange/xmr-xlm/ Updated: 2026-10-11 ## At a glance | | | |---|---| | You send | Monero (XMR) | | You receive | Stellar (XLM) | | Your XLM address | Stellar address that starts with G and is 56 characters long. Wallets: Lobstr or Freighter | | Memo | Only needed when the XLM goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in XMR by your wallet | | Deposit confirmation | About 20 minutes (10 confirmations) on Monero | | XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds | | Typical swap time | 20–60 minutes until your XLM is sent | | Reference rate | 1 XMR ≈ 2,670.87 XLM · 1 XLM ≈ 0.000374 XMR (market prices, 11 Oct 2026) | | Limits | Minimum about 0.056 XMR. The exact minimum and maximum XMR 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 | | Reverse swap | [XLM to XMR](https://ghostswap.io/exchange/xlm-xmr/) | ## How much XLM you get (quoted 11 Oct 2026, 19:43 UTC, after all fees) | You send | You receive | |---|---| | 0.2 XMR | 524.7495 XLM | | 1 XMR | 2,636.51 XLM | | 5 XMR | 13,193.63 XLM | ## How to swap XMR to XLM 1. Open https://ghostswap.io/exchange/xmr-xlm/ and enter the amount of XMR to send. 2. Paste the XLM address that should receive the coins (and a Memo only if that address needs one). 3. Enter the XMR address you are sending from, then confirm. 4. Send the XMR to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XMR to XLM on GhostSwap? Most XMR to XLM swaps are paid out within 20–60 minutes: the XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero, then the XLM is sent to your wallet, and Stellar confirms the payout in a few seconds. Busy networks can add a few minutes. ### How much XLM do I get for 5 XMR? At 11 Oct 2026, 19:43 UTC, 5 XMR swapped to about 13,193.63 XLM on GhostSwap, after the service fee and the XLM 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 XMR to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send XMR from your own wallet, and the XLM goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Monero to Stellar? The GhostSwap fee is already included in the rate in the exchange box, so the XLM amount you see is what you receive. On top of that, the Monero network fee for your deposit is paid in XMR by your wallet. ### What wallet should I use to receive XLM? To receive Stellar from your swap, we recommend using Lobstr or Freighter. Make sure your wallet supports the Stellar network before starting the exchange. Double-check your XLM address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the XLM address? Use a Stellar address: it starts with G and is 56 characters long. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Memo to receive XLM? Only if the XLM goes to an exchange or custodial account that gave you a Memo; enter it in the field shown in the exchange box. A personal XLM wallet does not need one. ### Can I track my XMR to XLM 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 incoming XLM on StellarExpert (https://stellar.expert). ### Is it safe to exchange XMR for XLM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XMR deposit is converted and the XLM is sent straight to the Stellar address you enter, so check that address twice, Stellar transfers cannot be reversed. ### Will my XLM be linked to my XMR? Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction. The source of your funds is already protected. The XLM you receive will appear as a fresh transaction on the Stellar blockchain with no visible connection to your XMR holdings. GhostSwap requires no KYC, so there's no account linking the two. ### How does a cross-chain XMR to XLM swap work? Monero lives on Monero and Stellar on Stellar, two separate blockchains. Instead of a bridge, GhostSwap takes your XMR on Monero and pays native XLM on Stellar, so you never hold a wrapped token or pay bridge fees. ### What happens if my XMR to XLM exchange fails? If a swap cannot be completed, the XMR is refunded to the Monero 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: XLM to XMR](https://ghostswap.io/exchange/xlm-xmr/) ([Markdown](https://ghostswap.io/exchange/xlm-xmr.md)) - [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md)) - [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/) - [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)