# XRP to Stellar (XRP to XLM): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive Stellar (XLM) in your own wallet, with no account and no KYC. It is a cross-chain swap from XRP Ledger to Stellar, with no bridge and no wrapped tokens. Most XRP to XLM swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-xlm/ Updated: 2026-10-12 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | 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 Destination Tag | If the deposit screen shows a Destination Tag for your XRP, include it exactly. | | Deposit network fee | Paid in XRP by your wallet | | Deposit confirmation | A few seconds on XRP Ledger | | XLM payout | Sent to your address as soon as the swap completes; Stellar confirms it in a few seconds | | Typical swap time | 5–15 minutes until your XLM is sent | | Reference rate | 1 XRP ≈ 6.9867 XLM · 1 XLM ≈ 0.143129 XRP (market prices, 12 Oct 2026) | | Limits | Minimum about 22 XRP. The exact minimum and maximum XRP 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; XRP on XRPSCAN; XLM on StellarExpert | | Reverse swap | [XLM to XRP](https://ghostswap.io/exchange/xlm-xrp/) | ## How much XLM you get (quoted 12 Oct 2026, 12:17 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 343.3054 XLM | | 500 XRP | 3,444.40 XLM | | 1000 XRP | 6,889.12 XLM | ## How to swap XRP to XLM 1. Open https://ghostswap.io/exchange/xrp-xlm/ and enter the amount of XRP to send. 2. Paste the XLM address that should receive the coins (and a Memo only if that address needs one). 3. Enter the XRP address you are sending from, then confirm. 4. Send the XRP to the one-time deposit address shown. 5. Receive XLM in your wallet and follow the status page with your swap ID. ## XRP to Stellar: what to know before you swap XRP to XLM swaps between two fast payment networks. Both settle in seconds, and both use a tag or memo when you send to an exchange account. The XLM is paid to your own Stellar address, with no account on GhostSwap. Both deposits and payouts settle within seconds, so the swap is usually quick. ### Tips - Stellar addresses start with G. Receiving to an exchange or shared wallet? Enter its Memo ID in the memo field. - If the deposit details show a Destination Tag, include it when you send the XRP. - A new Stellar account must hold a small XLM reserve to be activated; normal swap amounts cover this. ### Do I need a memo for XLM? Only if the receiving address belongs to an exchange or service that asks for one. Personal wallets do not. ### Can I swap XRP to XLM without KYC? Yes. Paste your Stellar address (plus memo if needed) and send the XRP. ## FAQ ### How long does it take to swap XRP to XLM on GhostSwap? Most XRP to XLM swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the XLM is sent to your wallet, and Stellar confirms the payout in a few seconds. ### How much is 1 XRP in XLM? 1 XRP is worth about 6.9867 XLM at the market rate, before fees (market prices, 12 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XLM network fee. The minimum for this pair is about 22 XRP. The XRP Ledger network fee for sending the XRP is paid separately, in XRP. The rate floats with the market until your XRP deposit confirms. ### Can I send XRP straight to my XLM address? No. XRP moves on XRP Ledger and XLM on Stellar, so XRP can only be sent to an XRP Ledger address. To swap, send the XRP to the one-time deposit address GhostSwap shows, and the XLM is paid to the Stellar address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive XLM? Use a Stellar address from a wallet you control, such as Lobstr or Freighter. The address starts with G and is 56 characters long. A Memo is only needed if the XLM goes to an exchange or custodial account that gave you one; a personal wallet does not need one. GhostSwap never holds your funds: the XLM is sent straight to the address you enter. ### What happens if my XRP to XLM exchange fails? If a swap cannot be completed, the XRP is refunded to the XRP Ledger address you entered as the sender address. ## Related - [Reverse: XLM to XRP](https://ghostswap.io/exchange/xlm-xrp/) ([Markdown](https://ghostswap.io/exchange/xlm-xrp.md)) - [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)