How fast are Stellar transactions?

Stellar transactions typically confirm within 3-5 seconds, making it one of the fastest blockchain networks for payments.

Why does Stellar require a minimum balance?

Stellar requires a minimum balance (around 1 XLM) to keep an account active. This prevents spam and network abuse. The reserve may change based on network governance votes.

Is XLM different from Ripple (XRP)?

While Stellar was founded by a Ripple co-founder, they are separate projects. Stellar focuses on individuals and cross-border payments, while XRP/Ripple targets banks and financial institutions.

Can I swap XLM on SyntheticSwap?

Yes, SyntheticSwap supports XLM swaps with no KYC required. You can exchange Stellar Lumens for Bitcoin, Ethereum, stablecoins, and hundreds of other assets.

Stellar (XLM)

Bridging Global Finance on the Blockchain

$0.1757-9.63% (24h)

Swap XLM without an account or KYC.

First AI-powered swap engine

No registration. No KYC. No custody. Just swap.

Market cap

$6.12B

Volume (24h)

$407.72M

Launched

2014

Consensus

Stellar Consensus Protocol

Max supply

50,000,000,000 XLM

Block time

~5 seconds

Deposit confirmations

Memo / tag

Memo.ID (when required)

Market data by CoinGecko (snapshot 2026-09-16).

30-day price (USD)

Loading chart…

Price history by CoinGecko.

About Stellar

Stellar (XLM) is an open-source blockchain network designed to facilitate fast, low-cost international money transfers and digital asset exchanges. Founded in 2014 by Jed McCaleb (co-founder of Ripple) and Joyce Kim, Stellar's mission is to connect people, payment systems, and financial institutions. Its native currency, Lumens (XLM), is used to pay transaction fees and facilitate currency conversions. Stellar is particularly well-suited for cross-border payments, remittances, and tokenizing real-world assets.

Before you swap XLM: what to check

•Receiving address format: G… (56 characters) plus a memo if the receiving service shows one. Custodial services may show a Memo.ID — enter it in the form; self-custody wallets don't need one.
•Network: Stellar. XLM exists on one network here; make sure your wallet sends on it.
•Deposit confirmations: 10 on Stellar (block time ~5 seconds). The rate is locked when the deposit confirms, not when you broadcast.
•Limits: minimum and maximum are shown in the form for each pair and change with fees and liquidity.
•Tracking: the status page shows each stage; deposits and payouts can be checked on stellar.expert.

Stellar history

2014Stellar Development Foundation launched by Jed McCaleb and Joyce Kim
2015Stellar network upgraded to Stellar Consensus Protocol, separating from Ripple
2017IBM partners with Stellar for cross-border payment corridors
2019Stellar Foundation burns half of its XLM supply, reducing total to 50 billion
2021USDC launches on the Stellar network for fast stablecoin transfers
2023Stellar expands Smart Contracts capabilities with Soroban launch

How to swap XLM

In the form above, choose the direction: XLM to the coin you want, or the other way round.
Enter the amount — the estimated amount you receive updates live; minimums are shown in the form.
Paste the receiving address (and the Memo.ID when your wallet requires one) and, optionally, a refund address.
Click “Swap now” and send exactly the shown amount to the deposit address from any wallet you control.
After 10 confirmations the payout is sent; track it on the status page. No account, no KYC.

How to store XLM

Stellar XLM can be stored in wallets that support the Stellar network. The Stellar-specific Lobstr wallet is the most popular option, offering a clean interface for both desktop and mobile. LOBSTR and Solar Wallet are excellent choices for beginners. Hardware wallets like Ledger support XLM for secure cold storage. Always ensure you have the minimum required reserve (currently around 1 XLM) in your wallet to keep it active on the Stellar network.

If something looks wrong

The deposit is not showing up

Check the transaction in your wallet or on stellar.expert: it must be on Stellar and carry the Memo.ID shown with the deposit address. Until it has 10 confirmations the status page shows it as pending — this is normal.

I sent a different amount than quoted

Amounts inside the limits are recalculated at the current floating rate. Amounts below the minimum cannot be processed and are returned to the refund address you gave (minus the network fee).

I sent on the wrong network

Funds sent on a network other than Stellar do not reach the deposit address automatically. Contact support with the transaction hash and the swap ID from the status page.

The payout has not arrived

Once the deposit is confirmed, the payout is broadcast within minutes. Check the destination address on its explorer; if the receiving service needs a memo or tag that was not provided, ask them to credit it manually with the transaction hash.

The rate changed while I waited

Rates are floating and locked at deposit confirmation. Slow confirmation (low fee, congested network) is the usual reason for a difference from the first estimate.

XLM swap pairs

BTC→XLM

Frequently asked questions

Stellar is primarily used for fast, low-cost cross-border payments, remittances, and tokenizing assets. It bridges traditional financial systems with blockchain technology.

Other coins

Bitcoin BTC Ethereum ETH Monero XMR Zcash ZEC Solana SOL XRP XRP TRON TRX Litecoin LTC BNB BNB Polygon POL PAX Gold PAXG Dogecoin DOGE All coins →