XRP to XLM: Exchange XRP for Stellar Without KYC

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.

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

You Send

XRP

You Get

XLM

Recipient Wallet

Sender Address

⚠️ 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.

XRP

Price:

$1.39

24h Change:

-1.06%

Market Cap:

$87.64B

Volume (24h):

$799.57M

Circulating Supply:

63.13B XRP

XLM

Stellar

Price:

$0.1947

24h Change:

-0.52%

Market Cap:

$6.83B

Volume (24h):

$77.56M

Circulating Supply:

35.06B XLM

Data by CoinGecko

XRP to XLM Exchange Rate

1 XRP = 7.1382 XLM

The 1 XRP to Stellar reference rate at market prices, before fees.

Live market rate

XRP to XLM swap at a glance

Send XRP from Xaman or a Ledger.

XRPYou send · XRP Ledger network

Stellar (XLM)You receive · Stellar network

Swap time

5–15 minuntil your XLM is sent

Network fee

Paid in XRPby your wallet

Account / KYC

NoneNo sign-up, email or ID for standard swaps

Tracking

Live status pageXRP on XRPSCAN · XLM on StellarExpert

Your XLM address

Stellar addressIt starts with G and is 56 characters long. Wallets: Lobstr or Freighter.

Reference rate

1 XRP ≈ 7.1382 XLM1 XLM ≈ 0.140091 XRP · market prices, 11 Oct 2026

Minimum

About 22 XRP

Memo for XLM

Only for exchange accountsPersonal wallets leave it empty.

Deposit Destination Tag

Include it if shownCopy the Destination Tag from the deposit screen exactly.

Send XRPA few seconds to confirm on XRP Ledger
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive XLMSent to your address; Stellar confirms in a few seconds

Facts checked 11 Oct 2026Reverse: XLM to XRP

How much XLM do you get for XRP?

GhostSwap quotes at 11 Oct 2026, 04:12 UTC, after the service fee and the cost of sending the XLM to your wallet.

Fees included

50XRP

351.2357XLM

500XRP

3,523.55XLM

1,000XRP

7,048.33XLM

The rate floats with the market until your XRP deposit confirms.

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 for this swap

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.

Swap 1,600+ coins on our no-KYC crypto exchange

XRP to XLM Live Price Chart

XRP/XLM

Loading chart...

Reference market prices, updated live

What is XRP?

XRP is the native cryptocurrency of the XRP Ledger, an open-source blockchain designed for fast, low-cost cross-border payments. Transactions on the XRP Ledger settle in just 3-5 seconds with negligible fees, making it one of the most efficient payment networks in the cryptocurrency space. XRP is widely used for international remittances and liquidity transfers between financial institutions. Unlike proof-of-work chains, the XRP Ledger uses a consensus protocol that is energy-efficient and highly scalable.

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.

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Why Swap XRP for XLM?

Converting XRP to Stellar on GhostSwap moves your funds from XRP into XLM without KYC or account creation. XRP is used for fast cross-border payments and remittances.

Two different networks

XRP runs on XRP Ledger and XLM on Stellar; GhostSwap swaps between them in one step.

About Stellar

Stellar is used for fast, cheap cross-border payments.

Convert XRP to Stellar

XRP	XLM at market price
25XRP	178.4559XLM
50XRP	356.9118XLM
250XRP	1,784.56XLM
500XRP	3,569.12XLM
5,000XRP	35,691.18XLM

At market prices of $1.3900 per XRP and $0.194726 per XLM (11 Oct 2026), 250 XRP is worth about 1,784.56 XLM.

Convert Stellar to XRP

XLM	XRP at market price
100XLM	14.0091XRP
250XLM	35.0227XRP
500XLM	70.0453XRP
1,000XLM	140.0906XRP
2,500XLM	350.2266XRP
5,000XLM	700.4532XRP
25,000XLM	3,502.27XRP
50,000XLM	7,004.53XRP

Going the other way, 2,500 XLM is worth about 350.2266 XRP at the same prices.

How to Exchange XRP to Stellar

Select XRP and XLM

Pick XRP in “You send” and XLM in “You get”, then enter the amount.

Enter Stellar Address

Paste the Stellar address that should receive the XLM. Add a Memo only if that address belongs to an exchange account. Then enter the XRP Ledger address you send XRP from; a refund, if ever needed, goes there.

Send XRP

Send exactly the amount shown from your own XRP Ledger wallet to the one-time deposit address.

Receive Stellar

Your XLM arrives on Stellar. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other XRP and XLM pairs.

XRP to XLM: questions and answers

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 7.1382 XLM at the market rate, before fees (market prices, 11 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.