# Zcash to Stellar (ZEC to XLM) — no-KYC swap on GhostSwap > Send Zcash (ZEC) 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 ZEC you send stays private on its own chain. Most ZEC to XLM swaps are paid out within 20–60 minutes. Swap page: https://ghostswap.io/exchange/zec-xlm/ Updated: 2026-10-03 ## At a glance | | | |---|---| | You send | Zcash (ZEC) | | You receive | Stellar (XLM) | | Your XLM address | Stellar address that starts with G and is 56 characters long. Wallets: Lobstr or Freighter | | Memo.ID | Only needed when the XLM goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in ZEC by your wallet | | Deposit confirmation | About 10–20 minutes on Zcash | | 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 ZEC ≈ 6,163.89 XLM · 1 XLM ≈ 0.000162 ZEC (market prices, 3 Oct 2026) | | Limits | Minimum about 0.023 ZEC. The exact minimum and maximum ZEC 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; ZEC on Blockchair; XLM on StellarExpert | | Reverse swap | [XLM to ZEC](https://ghostswap.io/exchange/xlm-zec/) | ## How much XLM you get (quoted 3 Oct 2026, 10:37 UTC, after all fees) | You send | You receive | |---|---| | 0.1 ZEC | 605.6376 XLM | | 0.5 ZEC | 3,033.94 XLM | | 1 ZEC | 6,069.19 XLM | | 2.5 ZEC | 15,170.78 XLM | ## How to swap ZEC to XLM 1. Open https://ghostswap.io/exchange/zec-xlm/ and enter the amount of ZEC to send. 2. Paste the XLM address that should receive the coins (and a Memo.ID only if that address needs one). 3. Enter the ZEC address you are sending from, then confirm. 4. Send the ZEC 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 ZEC to XLM on GhostSwap? Most ZEC to XLM swaps are paid out within 20–60 minutes: the ZEC deposit needs about 10–20 minutes to confirm on Zcash, 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 ZEC in XLM? At 3 Oct 2026, 10:37 UTC, 1 ZEC swapped to about 6,069.19 XLM on GhostSwap, after the service fee. The minimum for this pair is about 0.023 ZEC. The rate floats with the market until your ZEC deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange ZEC to XLM? No. GhostSwap has no accounts: you paste the Stellar address that should receive the XLM, send ZEC 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 Zcash 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 Zcash network fee for your deposit is paid in ZEC 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.ID to receive XLM? Only if the XLM goes to an exchange or custodial account that gave you a Memo.ID; enter it in the field shown in the exchange box. A personal XLM wallet does not need one. ### Can I track my ZEC 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 ZEC payment on Blockchair (https://blockchair.com/zcash) and your incoming XLM on StellarExpert (https://stellar.expert). ### Is it safe to exchange ZEC for XLM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your ZEC 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 ZEC? Zcash privacy is optional: it supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. Coins sent from a private balance keep their history out of public view. The XLM you receive will appear as a fresh transaction on the Stellar blockchain with no visible connection to your ZEC holdings. GhostSwap requires no KYC, so there's no account linking the two. ### How does a cross-chain ZEC to XLM swap work? Zcash lives on Zcash and Stellar on Stellar, two separate blockchains. Instead of a bridge, GhostSwap takes your ZEC on Zcash and pays native XLM on Stellar, so you never hold a wrapped token or pay bridge fees. ### Is it legal to own and swap Zcash? In most countries, yes: owning and swapping Zcash is not banned, although some centralized exchanges have stopped listing privacy coins in certain regions. Privacy is a legitimate need, and using privacy-enhancing tools is not illegal in itself. You are responsible for following the cryptocurrency rules where you live. ### What happens if my ZEC to XLM exchange fails? If a swap cannot be completed, the ZEC is refunded to the Zcash 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 ZEC](https://ghostswap.io/exchange/xlm-zec/) ([Markdown](https://ghostswap.io/exchange/xlm-zec.md)) - [No-KYC Zcash exchange: all routes, minimums and times](https://ghostswap.io/zcash-exchange/) ([Markdown](https://ghostswap.io/zcash-exchange.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)