No KYC · Non-custodial · Private

Exchange Stellar to Monero

Swap Stellar (XLM) to Monero (XMR) on Monero mainnet — non-custodial, no KYC, and no registration. Competitive rates, wallet-to-wallet delivery, and most orders complete in minutes once your XLM deposit confirms.

Learn more about how it works →

    Start swap

    You Send
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    All fees included
    Estimated rate: -
    You Get
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    Exchange in 3 steps

    1. Choose how much XLM to send and enter your Monero address on Monero mainnet.

    2. Hit Exchange to open your order page with the live rate and deposit details.

    3. Transfer XLM to the address on your order — after confirmations, XMR is sent to your wallet automatically.

    What do you need to know?

    • Stellar confirmations are typically very fast — often within seconds.
    • A minimum XLM balance may be required to activate or maintain your Stellar account.
    • Use a Stellar mainnet address (starts with G…). Include a memo if your receive wallet or exchange requires one.
    • XMR not visible yet? Wait a few minutes, resync your wallet, then contact support with your order ID if the payout tx is already listed.
    You send

    Stellar — fast payments network

    XLM (Stellar Lumens) powers the Stellar network — built for low-cost cross-border transfers and tokenized assets.

    Sending XLM on Stellar

    Send native XLM on Stellar mainnet from a compatible wallet.

    If your payout destination requires a memo, enter it exactly on your order form — missing memos are a common support issue.

    You receive

    Monero — private by default

    Monero uses ring signatures and one-time addresses so amounts and addresses stay confidential on-chain.

    XMR not visible yet?

    Wait for wallet sync to complete — Monero often needs several minutes to reflect incoming outputs.

    If the order lists a payout tx but your synced wallet shows nothing, contact support.

    Receiving XMR privately

    Monero payouts use one-time addresses — your wallet must finish scanning recent blocks to display the balance.

    • Use a fresh subaddress for each swap rather than reusing old receive addresses.
    • Compare your wallet block height with a public explorer before assuming a payout failed.
    • Allow extra time after the order shows sent — privacy features can delay wallet display.

    Before you swap

    Avoid wrong-network deposits and address format mistakes — read these guides first.

    Prove a Monero transaction you sent Verify an XMR payment when your wallet is still syncing. Deposit amount must match exactly Under- and over-payments can delay or fail automated crediting. What each swap status means From awaiting deposit to complete — read each status on your order page. How to track swap order status Use your exchange ID and read each status on the order page.

    All swap safety guides

    Step-by-step tutorial

    Read the full walkthrough before you send your deposit.

    Exchange Stellar to Monero Step-by-step Exchange Stellar to Monero guide

    Coin swap hubs

    More no-KYC swap pairs and guides for each asset.

    XLM Swap Stellar (XLM) — no KYC hub XMR Swap Monero (XMR) — no KYC hub

    Related exchange pairs

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    Frequently asked questions

    Do I need KYC to swap XLM to XMR?

    No. SendSwap is a non-custodial instant exchange — no account, no ID checks, and no KYC for Stellar to Monero swaps.

    How long does XLM to XMR take?

    Most swaps finish in 1–5 minutes. Timing depends on Stellar mainnet and Monero mainnet confirmations and current network load.

    Is XLM to XMR non-custodial?

    Yes. You send XLM from your wallet and receive XMR directly to the address you provide — SendSwap never holds your keys.

    What if I send XLM on the wrong network?

    Always match the network on your order page (Stellar mainnet for deposits). Wrong-network sends may not be credited — read our swap safety guides before you send.