You send
Stellar XLM
Stellar is a payments network launched in 2014. XLM (lumens) is its native asset, used for fees and as a bridge currency.
- Network
- Stellar
- Address
- Starts with G
XLM → XMR
Swap Stellar to Monero without KYC
Swap
live ratesYou get
No account · No email · Non-custodial · All fees included
In shortTo swap Stellar (XLM) to Monero (XMR) without KYC, enter the amount, paste your XMR address and send your XLM to the one-time deposit address. AltoSwap compares 20+ exchanges for this pair, keeps the no-KYC ones by default and picks one of the best rates for you. No account, email or ID is needed.
- No KYC by default
- No account
- Fixed or floating
- Non-custodial
Rates come from live exchange quotes and refresh automatically. Page content reviewed by the AltoSwap team on . How we produce and check these pages.
XLM to XMR at a glance
Monero is a privacy coin, which makes XLM to XMR one of the most common privacy swaps. The exchange receives a public XLM transaction and pays you XMR; from then on, what you do with that XMR is shielded by Monero's own protocol rather than by any promise from an intermediary.
Your XMR is paid on Monero. Use an address that starts with 4 or 8.
Pair details
- You send
- Stellar (XLM) on Stellar
- You receive
- Monero (XMR) on Monero
- KYC
- None by AltoSwap. Routed through A-rated (no-KYC) exchanges by default
- Account
- Not required. No sign-up, no email
- Minimum amount
- About 22.3 XLM
- Maximum amount
- About 6,957,435 XLM
- Rate types
- Floating and fixed
- XLM deposit confirmation
- A few seconds
- Memo / tag
- Not used for this pair's payout
- Custody
- Non-custodial: wallet → exchange → your wallet
How to swap XLM to XMR
Four steps, with no account at any of them. Most of the wait is your XLM deposit confirming on Stellar.
- 1
Enter the XLM amount
Type how much XLM you want to swap (minimum about 22.3 XLM). The XMR you will receive updates live.
- 2
Check the quote
A top no-KYC rate is already chosen for you. The form shows what you receive, how long it usually takes and the KYC rating of the route.
- 3
Add your XMR address
Paste the Monero address where you want to be paid. A refund address for your XLM is optional but recommended.
- 4
Send XLM, receive XMR
Send the exact amount to the deposit address on Stellar. After it confirms (a few seconds), the XMR is sent to your address.
About Stellar and Monero
Check the network and the address format on both sides before you send. A swap can only pay the address it was given.
You receive
Monero XMR
Monero is a privacy-focused cryptocurrency launched in 2014. Ring signatures, stealth addresses and RingCT hide the sender, receiver and amount of every transaction by default.
- Network
- Monero
- Address
- Starts with 4 or 8
Ways to swap XLM to XMR, compared
The same swap can be done four ways. This is how they differ on privacy, custody and price.
| AltoSwap | KYC exchange | DEX | Single instant exchange | |
|---|---|---|---|---|
| Account needed | No | Yes, with email and password | No, wallet connection | No |
| Identity documents | None; no-KYC exchanges by default | ID and selfie before trading | None | Depends on that one exchange |
| Who holds your coins | You, apart from the minutes of the swap | The exchange, in your balance | You | You, apart from the minutes of the swap |
| Native XLM and XMR | Yes | Yes | Mostly wrapped or bridged tokens | Yes |
| Rate you get | 20+ exchanges and swap networks, compared live | That exchange's order book | That pool's liquidity | One exchange's quote |
| Time for XLM to XMR | Minutes | Hours to days, including sign-up | Minutes | Minutes |
| Buy with a bank card | No, crypto to crypto only | Yes | No | Usually no |
XLM to XMR: questions and answers
How do I swap XLM to XMR without KYC?
Enter the XLM amount on this page, paste your XMR address and send your XLM to the deposit address shown. AltoSwap has no accounts and asks for no identity documents, and it routes your swap through exchanges rated A for KYC, meaning providers that do not run identity checks. The XMR is paid directly to your wallet.
What is the XLM to XMR exchange rate?
The rate moves with the market every few seconds and depends on the amount. The calculator at the top of this page requests live quotes from 20+ exchanges and shows the best current XLM to XMR rate for the amount you enter.
What are the minimum and maximum for XLM to XMR?
The minimum is about 22.3 XLM and the maximum about 6,957,435 XLM. Limits vary slightly between exchanges and follow market prices; the form tells you immediately if your amount is outside the range.
How long does a XLM to XMR swap take?
Usually 5 to 30 minutes. Most of that is waiting for your XLM deposit to confirm on Stellar, which takes a few seconds. There is no verification step, so nothing else adds to the wait.
Is swapping XLM to XMR anonymous?
AltoSwap does not know who you are (no account, no email, no identity checks) and the default route uses no-KYC exchanges. Your XLM deposit is a public transaction on Stellar, but once you hold XMR its transactions hide sender, receiver and amount by design.
Which XMR address should I use?
Your XMR is paid on Monero. Use an address that starts with 4 or 8. Always use an address in a wallet you control and double-check the first and last characters before sending.
What fees are included in the XLM to XMR rate?
Everything. The exchange's spread, the Monero network fee for the payout and any service commission are already inside the quoted rate, so the amount shown is what you receive: exactly on a fixed rate, approximately on a floating rate. You only pay your own Stellar network fee to send the deposit.
Can I swap XMR back to XLM?
Yes. The reverse direction, XMR to XLM, works the same way and has its own page and live rate on AltoSwap. Each direction is quoted independently, so the two rates are not exact mirrors of each other.
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