Exchange XLM to XRP
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XLM → XRP 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, XRP arrives at your wallet. SwapHub never holds your funds.
How to swap XLM to XRP.
Enter XLM amount
Type how much XLM you want to swap. We'll show the exact XRP you'll receive at the live rate.
Paste XRP address
Your XRP 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 XRP
XRP arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XLM to XRP.
Financial Inclusion. Stellar was designed for micro-payments and financial inclusion. Its sub-cent fees make it ideal for cross-border remittances, especially in developing regions. The MoneyGram partnership further bridges crypto and fiat, making it easy to send money globally.
Smart Contracts and DEX. Stellar's built-in DEX and Soroban smart contracts enable advanced financial services. XRP, on the other hand, is the 'bank coin' with over 100 financial institution partnerships. Post-SEC settlement, XRP offers more regulatory clarity for institutional use cases.
Decentralized Finance Integration. Stellar is well-suited for DeFi protocols due to its low fees and fast confirmations. XRP's On-Demand Liquidity (ODL) feature makes it attractive for institutional payments, especially in ODL corridors.
Global Reach. Both Stellar and XRP offer near-instant global transfers. However, XRP's network confirmation is virtually free ($0.0002) compared to Stellar's typical fee of $0.00001. This makes XRP particularly advantageous for cost-sensitive cross-border payments.
About the assets.
Stellar is a decentralized, open-source blockchain platform designed for cross-border payments and financial inclusion. Founded by Jed McCaleb (Ripple co-founder), it features the Stellar Consensus Protocol (SCP) and built-in DEX capabilities.
XRP is a digital asset and native token of the XRP Ledger (XRPL), a distributed ledger that enables instant, low-cost global payments. Created by Ripple Labs in 2012, XRP is known for its high transaction throughput and near-zero fees.
Questions people ask.
01 What's the current XLM to XRP exchange rate?
Right now 1 XLM equals about XRP. 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 XRP swap take?
Average end-to-end time is about 5 minutes. The main variable is 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 is the primary and most active network for Stellar transactions.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $0.10–$2.00 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 XRP 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 XRP at the locked rate. Sending a different coin to the XLM address is recoverable but requires contacting support.
08 Can I swap XLM to XRP 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 operate on for this exchange?
XLM operates on the Stellar mainnet for this exchange.