XMR to XLM: Exchange Monero for Stellar Without KYC

Exchange XMR to XLM: 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.

Updated 26 October 2026

  • 20–60 min
  • No account · No KYC
  • Paid to your wallet
  • Fees included in quote
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XMR
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XLM
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⚠️ Enter the exact wallet you are sending from. Your funds must be sent from this address.

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Monero Logo
XMR
Monero
Price:
$599.32
24h Change:
1.65%
Market Cap:
$11.28B
Volume (24h):
$124.68M
Circulating Supply:
18.82M XMR
Stellar Logo
XLM
Stellar
Price:
$0.1699
24h Change:
1.45%
Market Cap:
$5.99B
Volume (24h):
$100.56M
Circulating Supply:
35.23B XLM

Data by CoinGecko

XMR to XLM Exchange Rate

1 XMR = 3,528.50 XLM

The 1 Monero to Stellar 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

XMR to XLM swap at a glance

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

Monero (XMR)You send · Monero network
Stellar (XLM)You receive · Stellar network

The XLM arrives as an ordinary transfer on Stellar, while the XMR you send stays private on its own chain. It is a cross-chain swap from Monero to Stellar, with no bridge and no wrapped tokens.

Swap time
20–60 minuntil your XLM is sent
Network fee
Paid in XMRby your wallet
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pageXLM on StellarExpert
Your XLM address
Stellar addressIt starts with G and is 56 characters long. Wallets: Lobstr or Freighter.
Reference rate
1 XMR ≈ 3,528.50 XLM1 XLM ≈ 0.000283 XMR · market prices, 28 Oct 2026
Minimum
About 0.051 XMRThe exact minimum and maximum are shown in the exchange box before you send.
Memo for XLM
Only for exchange accountsPersonal wallets leave it empty.
  1. Send XMRAbout 20 minutes (10 confirmations) to confirm on Monero
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive XLMSent to your address; Stellar confirms in a few seconds
Facts checked 28 Oct 2026Reverse: XLM to XMR

How much XLM do I get for XMR?

GhostSwap quotes at 28 Oct 2026, 14:24 UTC. What lands in your wallet: service fee and XLM network fee already deducted.

After all fees
0.2XMR
693.5504XLM
1XMR
3,482.76XLM
2.5XMR
8,712.69XLM

The rate floats with the market until your XMR deposit confirms. The minimum for this pair is about 0.051 XMR. Enter any amount in the exchange box above for a live quote; no account needed.

XMR to XLM at the market rate, before fees

XMRXLM, market rate, before fees
0.051 XMR179.9537 XLM
0.1 XMR352.8504 XLM
0.2 XMR705.7009 XLM
0.5 XMR1,764.25 XLM
1 XMR3,528.50 XLM
2.5 XMR8,821.26 XLM
10 XMR35,285.04 XLM
25 XMR88,212.61 XLM

Market prices of $599.3200 per XMR and $0.169851 per XLM on 28 Oct 2026. The box above shows the amount after all fees.

XMR to XLM price chart, market rate before fees

XMR/XLM

Loading chart...

How do I exchange XMR to XLM?

  1. Pick XMR and XLM

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

  2. Paste your Stellar address

    Paste the Stellar address that should receive the XLM: it starts with G and is 56 characters long. Wallets that work: Lobstr or Freighter. Add a Memo only if that address belongs to an exchange account. Then enter the Monero address you send XMR from; a refund, if ever needed, goes there.

  3. Send XMR on Monero

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

  4. Receive XLM

    Your XLM is usually paid out 20–60 minutes after you send your XMR, and Stellar then confirms it in a few seconds. Follow each step on the status page with your swap ID.

Common mistakes with XMR to XLM

  • Sending XMR from a wallet that is not fully synced.
  • Leaving too little XMR in the wallet for the network fee.
  • Pasting an address from another network: the XLM address starts with G and is 56 characters long.
  • Forgetting the Memo when the XLM goes to an exchange account.

XMR to XLM: questions and answers

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

Can you swap Monero to Stellar?
Yes. Pick XMR and XLM in the box above, paste your Stellar address and send the XMR; the XLM goes straight to your wallet in about 20 to 60 minutes, with no account.
Where can I exchange XMR for XLM?
On a no-account swap service like GhostSwap, or on the few exchanges that still list Monero in your country. A swap needs no sign-up: you send XMR and receive XLM at the rate shown before you send.
Can I convert Monero to Stellar anonymously?
GhostSwap asks for no account, email or ID. Your XMR deposit is private on the Monero blockchain; the XLM payout is public on Stellar, so receive it at a new address that has no history.
Is XMR illegal in the USA?
No. No US law bans owning or swapping Monero. Some exchanges have stopped listing it, which is a business choice, not a ban; you are responsible for the rules where you live.
Why is XMR being delisted?
Some exchanges drop privacy coins because their local rules make listing them hard; Binance delisted XMR in February 2024, for example. Our Monero delistings tracker lists each one with its date and source.
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 is 1 XMR in XLM?
At 28 Oct 2026, 14:24 UTC, 1 XMR swapped to about 3,482.76 XLM on GhostSwap, after the service fee. The minimum for this pair is about 0.051 XMR. The rate floats with the market until your XMR deposit confirms, so the exchange box shows the exact amount before you send.
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.

What is Monero? Monero (XMR) is the leading privacy cryptocurrency and hides the sender, receiver and amount of every transaction by default. Monero price today

What is Stellar? Stellar (XLM) is an open-source blockchain network designed for fast, low-cost cross-border payments and asset tokenization.

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