Exchange XLM to DAI
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XLM → DAI swap through the cheapest one.
24/7 human support
Real humans on Telegram within 3 minutes, any timezone. Every order has a copyable ID, we see the same state you do.
Non-custodial security
Your XLM moves directly to the provider's deposit address, DAI arrives at your wallet. SwapHub never holds your funds.
How to swap XLM to DAI.
Enter XLM amount
Type how much XLM you want to swap. We'll show the exact DAI you'll receive at the live rate.
Paste DAI address
Your Dai receiving address. We validate the format live — valid addresses show a teal check.
Send your XLM
Transfer XLM to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive DAI
DAI arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XLM to DAI.
Financial Inclusion. XLM is designed for financial inclusion, making sub-cent fees ideal for micro-payments and developing world remittances. Its partnership with MoneyGram bridges crypto and fiat, enabling instant global payments with virtually no fees.
Decentralized Stability. DAI is the only major decentralized stablecoin, backed by a diverse pool of assets including ETH, WBTC, and stablecoins. This ensures DAI's stability without any single point of failure.
Flexible Networks. Stellar's native network offers near-instantaneous transactions, making it perfect for real-time payments. SwapHub supports XLM on the Stellar mainnet, ensuring seamless and fast swaps.
Smart Contract Capabilities. Stellar's Soroban smart contracts enable advanced functionalities, such as decentralized exchanges (DEX) and automated trading bots, enhancing the utility of XLM for sophisticated traders.
About the assets.
Stellar is a decentralized, open-source payment network founded by Jed McCaleb. It uses the Stellar Consensus Protocol (SCP) and features a built-in DEX and Soroban smart contracts for advanced functionalities.
DAI is a decentralized stablecoin on Ethereum and other networks, backed by a diverse pool of assets including ETH, WBTC, and stablecoins. It is governed by MKR token holders and is the only major decentralized stablecoin.
Questions people ask.
01 What's the current XLM to DAI exchange rate?
Right now 1 XLM equals about DAI. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your XLM arrives at the deposit address.
02 How long does an XLM to DAI swap take?
Average end-to-end time is about 5 minutes. The main variable is the Stellar network confirmation speed — typically 3–5 seconds. You can track progress in real time on the swap page.
03 Which XLM networks are supported?
SwapHub supports XLM on the Stellar mainnet. This network is known for its fast and secure transactions, making it ideal for real-time payments.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $0.10–$1.00 equivalent. There's no hard maximum — larger orders may be split across providers automatically for the best rate.
05 Float rate vs Fixed rate — which should I pick?
Float gives you the best available rate at the moment your deposit arrives (usually a slightly better number, subject to movement). Fixed locks the rate when you create the order, costing about 0.4% extra — worth it for large amounts or when the market is moving fast.
06 Is there a fee on top of the exchange rate?
SwapHub charges no extra fee on top of the displayed rate — our margin is already included in what you see. You'll also pay the network fee for DAI and gas on your chosen XLM network.
07 What happens if I send the wrong amount?
If you send less than the minimum, the order pauses and you can add a top-up. If you send more than the estimate, you'll automatically receive the extra DAI at the locked rate. Sending a different coin to the XLM address is recoverable but requires contacting support.
08 Can I swap XLM to DAI inside Telegram?
Yes. @swapHUB_com_bot opens a Telegram Mini App with the same flow, same rates, same providers. Convenient for mobile users who already live in Telegram.
09 Is SwapHub regulated? Where is it based?
SwapHub operates as a non-custodial interface that routes orders across multiple licensed exchange providers. We don't custody funds, so the regulatory model is closer to an aggregator than an exchange. For jurisdiction-specific questions, see the Terms.
10 What networks does XLM support for the DAI swap on SwapHub?
XLM supports the Stellar mainnet for swapping to DAI on SwapHub.