Exchange XTZ to XLM
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XTZ → 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 XTZ moves directly to the provider's deposit address, XLM arrives at your wallet. SwapHub never holds your funds.
How to swap XTZ to XLM.
Enter XTZ amount
Type how much XTZ 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 XTZ
Transfer XTZ 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 XTZ to XLM.
The self-upgrading blockchain. XTZ has completed over 15 protocol upgrades without a single hard fork, making it a trusted platform for major brands like Manchester United, McLaren, and Ubisoft. This unique capability allows seamless integration of new features and security patches, ensuring constant improvement.
Self-amending and formal verification. Unlike other blockchains, XTZ uses Liquid Proof-of-Stake (LPoS) and can self-amend via on-chain governance. This means smart contracts can be formally verified, adding a layer of trust and security for complex applications.
High-speed cross-chain swaps. While XTZ confirms in around 30 seconds, XLM confirms in just 3-5 seconds. This makes cross-chain swaps between Tezos and Stellar incredibly fast, ideal for traders looking to capitalize on market movements.
Financial inclusion and micro-transactions. XLM’s virtually free fees make it perfect for micro-payments and developing world remittances. The MoneyGram partnership ensures that even small transactions can be processed efficiently, bridging the gap between crypto and fiat.
About the assets.
Tezos is a Liquid Proof-of-Stake (LPoS) blockchain that can self-amend via on-chain governance. Known for its formal verification for smart contracts, Tezos is trusted by major brands for NFTs, baking, governance, and institutional tokenization.
Stellar is a high-throughput, low-cost blockchain with a Stellar Consensus Protocol (SCP). It features a built-in decentralized exchange (DEX) and Soroban smart contracts. Stellar’s MoneyGram partnership enables efficient cross-border remittances and humanitarian aid distribution.
Questions people ask.
01 What's the current XTZ to XLM exchange rate?
The current exchange rate between XTZ and XLM is affected by market demand, liquidity, and network conditions. Right now, 1 XTZ is approximately equal to XLM. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your XTZ arrives at the deposit address.
02 How long does an XTZ to XLM swap take?
The average end-to-end time for an XTZ to XLM swap is about 5 minutes. XTZ typically requires 2 confirmations, which take around 30 seconds. XLM confirms much faster, in 3-5 seconds. You can track progress in real time on the swap page.
03 Which XTZ networks are supported?
SwapHub supports XTZ on the Tezos mainnet, which is the only network available through our liquidity providers. Ensure your source wallet holds XTZ on this network for the best experience.
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 XTZ 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 XTZ address is recoverable but requires contacting support.
08 Can I swap XTZ 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 What is the process for swapping XTZ to XLM on SwapHub?
To swap XTZ to XLM on SwapHub, you need to select the XTZ/XLM pair, enter the amount of XTZ you wish to swap, review the exchange rate, and then confirm your swap. SwapHub automatically handles the conversion without any additional steps.