Swap Stellar (XLM) to Monero (XMR)
Exchange Stellar for Monero without an account. Enter an amount, give a Monero address, send the exact XLM amount shown — your XMR follows once the deposit confirms.
XLM to XMR rate
Market rate, updated 2026-10-26 15:15 UTC1 XLM = 0.000288514 XMR
1 XMR = 3466.03 XLM
Stellar is trading at $0.170315 and Monero at $590.32. Your quote applies a 0.5% swap fee and a network-fee charge for theMonero payout to this rate, and shows the exact XMR you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 58.71 XLM | 0.01694 XMR | $10 |
| 293.6 XLM | 0.0847 XMR | $50 |
| 587.1 XLM | 0.1694 XMR | $100 |
| 2936 XLM | 0.847 XMR | $500 |
| 5871 XLM | 1.694 XMR | $1,000 |
| 29360 XLM | 8.47 XMR | $5,000 |
XLM to XMR swap details
- Minimum swap
- $100 (≈ 587 XLM)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the Monero payout transaction, shown in the quote
- Quote valid for
- 90 seconds to accept, then refreshed
- XLM deposit confirmation
- Verified on the Stellar network before the payout is released
- XMR payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange Stellar (XLM) to Monero (XMR)?
Every Stellar transaction is public. Swap XLM to XMR and the Monero you receive is hidden on-chain — the amount, the sender and your address.
The XLM/XMR exchange rate, the network fee and the swap fee are shown before you send a single XLM. The XMR amount quoted is the XMR amount you get.
Nothing is asked of you beyond a Monero address. Send the exact XLM figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending Stellar
Stellar is a payments-focused layer-1 for fast, low-cost transfers and asset issuance. XLM is its native token.
Stellar blocks arrive about 5 seconds, so a deposit usually confirms in under a minute.
Your XLM deposit is verified on the Stellar network before the swap proceeds — typically under a minute after you send.
Send XLM on the Stellar network. Some exchanges require a memo — send to a personal wallet or include the memo the exchange specifies.
Receiving Monero
Monero is a privacy coin where every transaction is private by default: ring signatures hide the sender, stealth addresses hide the receiver and RingCT hides the amount.
Your Monero goes to the address you give, and only that address. Accepted formats: standard addresses are 95 characters starting with 4; subaddresses start with 8; integrated addresses start with 4 and are 106 characters.
Any standard address or subaddress works. Because Monero amounts are hidden on-chain, only you and your wallet can see the payout land.
The payout is sent once your deposit is confirmed. Monero blocks arrive about 2 minutes, so it is usually spendable within minutes of being sent.
How to swap XLM to XMR
Full details →- 01Get a XLM to XMR quote
Enter how much Stellar you want to convert. You see the live XLM to XMR rate, both fees and the exact Monero you will receive before you commit.
- 02Send your Stellar
You get a Stellar (XLM) deposit address and an exact amount. Send it from any Stellar wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive Monero (XMR)
Once the XLM deposit confirms on-chain, Monero is sent to the Monero address you gave. Track it on the swap’s status page, no login needed.
Stellar (XLM) to Monero (XMR) FAQ
- What does the XLM to XMR rate mean?
- It is how much Monero (XMR) you receive for each Stellar (XLM) you send, taken from live market prices at the moment you ask for a quote. The rate moves with the market, so you have 90 seconds to accept a quote and create the swap; the widget refreshes it automatically if you take longer. Funding the swap once it exists has its own separate deadline, shown on your swap page.
- How do I convert XLM to XMR?
- Enter the amount of XLM in the widget, choose XMR as what you receive, and give a Monero address. You are shown a deposit address and an exact XLM amount; send that amount and the XMR is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange XLM for XMR?
- Two, both shown in the quote before you send: a swap fee of 0.5% of the amount, and a network-fee charge for the Monero payout transaction. There is nothing added afterwards — the XMR amount in the quote is the XMR amount that arrives.
- What is the minimum XLM/XMR exchange amount?
- $100 worth, shown in the widget as an amount of XLM at the current rate. There is no maximum imposed by the site beyond available Monero liquidity, and no verification at any size.
- Do I need an ID to swap XLM to XMR?
- No. There is no KYC, no account and no email required. A swap is identified by its link, which shows its status without logging in. Creating an account is optional and only keeps your swap history in one place.
- How long do XLM to XMR swaps take?
- Stellar deposits usually confirm in under a minute, after which the deposit is verified on-chain. Swap times vary by asset and by how quickly its network confirms. Your swap status page shows the current stage throughout the process.
- Which Monero address should I give?
- Any address in a format Monero accepts: standard addresses are 95 characters starting with 4; subaddresses start with 8; integrated addresses start with 4 and are 106 characters. Any standard address or subaddress works. Because Monero amounts are hidden on-chain, only you and your wallet can see the payout land.
- What happens if my XLM deposit is late or the swap expires?
- There are two separate deadlines. The quote itself is held for 90 seconds — that is how long you have to accept the price and create the swap. Once the swap exists you get a separate funding window, shown on your swap page, to send the XLM. If your deposit arrives after that window closes, the status page shows Expired and the swap moves to Review required; it is then completed at the current rate or refunded to your refund address. Nothing is lost by being late — a late deposit just needs review before it is processed.
- Is exchanging XLM for XMR private?
- Your XLM deposit is visible on the Stellar ledger like any XLM transaction. The Monero payout is not: ring signatures, stealth addresses and RingCT hide the sender, the receiving address and the amount on-chain. We store only what a swap needs — amounts, transaction ids and the address you gave.
Related swaps
All pairs →Going the other way? Swap Monero to Stellar.
See every route into Monero or everything you can swap Stellar for.
New to this? Read how to buy Monero without KYC, or move a large amount through large swaps.