Exchange XMR to XLM
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XMR → XLM 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 XMR moves directly to the provider's deposit address, XLM arrives at your wallet. SwapHub never holds your funds.
How to swap XMR to XLM.
Enter XMR amount
Type how much XMR you want to swap. We'll show the exact XLM you'll receive at the live rate.
Paste XLM address
Your Stellar receiving address. We validate the format live — valid addresses show a teal check.
Send your XMR
Transfer XMR to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive XLM
XLM arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XMR to XLM.
Mandatory privacy. XMR is the only major cryptocurrency where privacy is mandatory, not optional. Non-custodial exchanges like SwapHub are the primary on-ramp for XMR, especially after delisting from CEXs like Binance and OKX due to regulatory pressure. This makes XMR swaps the main way to acquire XMR while maintaining financial sovereignty and avoiding surveillance.
Privacy protection. XMR’s ring signatures and stealth addresses ensure complete transaction privacy by default, protecting both sender and receiver identities and transaction amounts. This makes it ideal for sensitive payments and donations where anonymity is crucial.
Financial sovereignty. XMR’s built-in privacy features empower users to manage their finances without intermediaries. Whether for personal transactions or business operations, XMR provides a robust tool for maintaining control over financial information.
Financial inclusion. XLM, designed for financial inclusion, offers virtually free transactions via its Stellar Consensus Protocol (SCP). Its low fees make it perfect for micro-payments and cross-border remittances, especially in developing regions where traditional banking systems may be inaccessible.
About the assets.
Monero is a privacy-focused cryptocurrency that uses ring signatures and stealth addresses to protect the identity of both sender and receiver. It operates on a proof-of-work blockchain and is known for its mandatory privacy features.
Stellar is a decentralized payment network that uses the Stellar Consensus Protocol (SCP) for near-instantaneous transactions. It supports a variety of assets, including stablecoins like USDC, and offers features such as a built-in DEX and Soroban smart contracts.
Questions people ask.
01 What's the current XMR to XLM exchange rate?
Right now 1 XMR equals about XLM. The rate updates every 60 seconds on this page. Factors affecting the rate include supply and demand dynamics, market sentiment, and network conditions such as transaction volume and congestion.
02 How long does an XMR to XLM swap take?
Average end-to-end time is about 5 minutes. Monero transactions typically require 10 confirmations, which takes around 20 minutes given the average confirmation time of 2 minutes per block. You can track progress in real time on the swap page.
03 Which XMR networks are supported?
SwapHub supports XMR on the Monero mainnet only. No L2s or wrapped versions are currently available, so all transactions occur directly on the Monero blockchain.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $10–$20 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 XLM and gas on your chosen XMR 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 XLM at the locked rate. Sending a different coin to the XMR address is recoverable but requires contacting support.
08 Can I swap XMR to XLM 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 Why would someone want to swap XMR to XLM?
Someone might swap XMR to XLM to take advantage of Stellar’s low transaction fees and financial inclusion features. XMR provides strong privacy, while XLM can facilitate seamless cross-border transactions and micro-payments, making it an attractive combination for users seeking both privacy and cost-effectiveness.