Buy & Swap Stellar (XLM)

$0.41+1.62% (24h)Stellar network

Stellar (XLM) can be swapped instantly on SwapRocket — no account, no KYC and zero added fees. Compare live XLM rates from every connected provider and receive funds in your own wallet in minutes.

Swap XLM instantly — no KYC

XLM / USD — 24H chart

Change3.58%High$0.4223Low$0.3984

Updating…

Live market data · extended history unavailable for this asset

24h1.62%

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30d—

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Stellar statistics

Market cap$12B

Fully diluted market cap—

24h volume$300M

Circulating supply29.00B XLM

Max supply∞

Total supply—

All-time high$0.94

Market dominance—

Rank—

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About Stellar (XLM)

Layer-1 blockchain

Stellar (XLM) is a Layer-1 blockchain — a base network with its own consensus, validators, and native coin (XLM) used to pay fees and secure the chain. Developers build applications directly on it, and XLM is the asset that powers the whole ecosystem.

How does Stellar work?

The Stellar network is maintained by a distributed set of participants who validate transactions and add them to the blockchain. XLM is required to pay for transactions and, on many networks, to stake and help secure the chain in exchange for rewards.

What is XLM used for?

XLM pays network fees, can often be staked for yield, and serves as the core unit of value across apps built on Stellar. Demand for XLM tends to track activity and adoption on the network itself.

How to buy or swap XLM on SwapRocket

Pick XLM as the asset you want to receive.
Choose which crypto you're paying with.
SwapRocket compares every connected exchange and surfaces the best rate.
Paste your wallet address and confirm — funds arrive in minutes.

Stellar (XLM) swap profile

This profile explains how Stellar swaps work on SwapRocket: the network XLM settles on, what an exchange costs, how long it usually takes, and which pairs are published. Rates are aggregated live from every connected provider and shown in full before you commit to anything.

XLM key facts

Ticker: XLM
Settlement network: Stellar
Category: Layer-1 blockchain
Custody: Non-custodial — coins move from the provider straight to your wallet
Cost to you: Zero added fees; you see the provider rate
Verification: No KYC for crypto-to-crypto swaps
Typical completion: Most swaps finish in under 10 minutes
Rate options: Best rate, fastest route or fixed rate
Published pairs: 4 published XLM pairs

How a XLM swap works

Enter the amount you want to exchange, pick the asset on the other side, and SwapRocket queries every connected exchange partner at once. You choose an offer, paste the wallet address that should receive the funds, and send XLM to the deposit address shown. The partner executes the trade and pays out to your address — SwapRocket never holds your coins, and there is no account to create before you start.

Choosing a rate for XLM

Three offers are presented for every XLM exchange. The best rate returns the largest amount for the size you entered. The fastest route favours the partner with the shortest expected settlement time, which matters when the market is moving. The fixed rate locks the quoted amount for the duration of the order, so what you are shown is what arrives, at the cost of a slightly smaller payout. Floating offers can move with the market between deposit and settlement.

Networks and addresses for XLM

Stellar settles on Stellar. Always send from and to an address on that network: a deposit sent over a different chain cannot be recovered by the exchange partner. When an asset exists on several chains, pick the matching network in the widget before copying the deposit address, and send a small test amount first if you are unsure.

Popular XLM pairs

Each pair below has its own page with a live quote, the current rate and the limits that apply to that route.

What is XLM? · Sourced guide · Updated 2026-09-22 · 9 sources cited

How do you reach agreement on a shared ledger without asking every participant to trust the same fixed list of validators?

Stellar was built around a specific problem: moving value between different currencies and institutions cheaply, including ones that never fully trust each other. Its consensus mechanism lets each participant choose who they rely on rather than accepting one global validator set, its network supports issued assets bridged to real-world value by anchors, and it includes a native decentralized exchange that can route a payment through several assets automatically. Lumens, XLM, are the network's native asset and the unit that makes several of those mechanisms work.

Consensus built from overlapping trust, not one list

The Stellar Consensus Protocol is a federated Byzantine agreement system: instead of a single fixed validator set that every node must accept, each node chooses its own set of quorum slices — the other nodes it trusts to help it reach agreement. Global consensus emerges when these individually chosen trust relationships overlap enough across the network, rather than being imposed from outside.

This design lets different participants, such as financial institutions and independent operators, extend trust to different groups while still converging on the same ledger, and it was published as a formal protocol with stated safety and liveness properties rather than left as an informal description. The trade-off is that the protocol's guarantees depend on how quorum slices are actually configured across the network, which is a decision made by node operators rather than fixed by the protocol itself.^{[1], [2]}

Lumens and the accounts they support

XLM is the native asset of the Stellar network, and every Stellar account is required to hold a minimum balance of lumens, called the base reserve, which scales with how many trustlines, offers and other ledger entries the account maintains. This anti-spam mechanism ties the cost of using ledger space directly to the network's native asset rather than to a separate fee-only token.

XLM is also used to pay the small per-operation transaction fee that every Stellar transaction requires, and it can serve as a bridge asset when no direct trading path exists between two other assets on the network. Both roles come from the same design decision: give the network one native asset that every account already holds, so it can double as both the spam-resistance deposit and the fallback trading medium.^{[3], [4]}

Anchors connect the ledger to money outside it

Stellar's ledger can represent assets beyond XLM, but the network itself has no way to know whether an issued token actually corresponds to a bank deposit, a fiat currency or another real-world asset. Anchors are the entities that make that connection: they accept deposits of an outside asset and issue a corresponding token on Stellar, and they redeem that token back into the outside asset on request, functioning as the network's on- and off-ramps.

Because anchors are external participants rather than a protocol-level feature, using an anchor-issued asset means trusting that specific anchor to honor redemptions, in the same way that holding a claim requires trusting the party that issued it. The Stellar protocol enforces trustlines — an explicit opt-in an account makes before it can hold a given issued asset — but it does not and cannot verify what backs that asset off-chain.^{[5], [4]}

Path payments and the exchange built into the ledger

Stellar's ledger stores not only account balances but also outstanding buy and sell offers, which together form order books between asset pairs — this is the Stellar Decentralized Exchange, or SDEX, built directly into the base protocol rather than run as a separate application. Anyone can place a manage-buy or manage-sell offer, and it is checked against the existing order book immediately.

Path payments use this same order-book infrastructure to let a sender pay in one asset while the recipient receives a different one: the network finds a route through available offers and, where present, liquidity pools, converting the sent asset step by step to the destination asset within a single atomic transaction. If no such path can complete within the sender's specified maximum cost, the payment fails outright rather than partially executing, which keeps the conversion result predictable before it settles.^{[6], [7]}

A network that depends on how it is configured

Federated Byzantine agreement gives node operators the flexibility to choose their own trusted quorum slices, but that flexibility means the network's overall safety depends on those individual choices overlapping enough to avoid the ledger splitting into disagreeing groups. The protocol specifies the conditions under which agreement holds; it does not force any particular configuration of quorum slices onto the network.

Similarly, an anchor-issued asset is only as reliable as the anchor standing behind it, since the Stellar protocol tracks trustlines and balances precisely but has no built-in way to audit what an anchor holds off-network. Both of these are documented, structural properties of a system built around distributed trust and external bridges rather than a single custodian, not defects introduced later.^{[1], [5]}

What this means when you swap XLM

A Stellar account must maintain its base reserve in lumens at all times, so a wallet balance is not entirely spendable down to zero — some XLM stays locked as long as the account exists and holds any trustlines or offers. Transaction fees are small and paid in XLM per operation, and fees can rise during network-wide surge pricing, so confirm the network fee shown before sending.

If a SwapRocket quote involves an anchor-issued asset rather than XLM itself, that asset's trustline must already exist on the receiving account, and its ultimate reliability depends on the issuing anchor rather than on the Stellar protocol alone. Because Stellar can settle payments in seconds once consensus closes a ledger, a straightforward XLM deposit or withdrawal is typically fast, but always use the exact memo or destination tag SwapRocket provides, since Stellar accounts commonly rely on a shared address distinguished by memo for routing to the correct recipient.

Sources and evidence (9)

[1] The Stellar Consensus Protocol is a federated Byzantine agreement system in which each node selects its own quorum slices, and network-wide safety and liveness are defined formally in terms of how those slices overlap. Stellar.org — Stellar Consensus Protocol whitepaper · verified 2026-09-22 Confirmed
[2] Stellar's documentation describes SCP as a proof-of-agreement protocol that validates transactions through federated Byzantine agreement rather than a fixed validator list. Stellar Developer Docs — Stellar Consensus Protocol · verified 2026-09-22 Confirmed
[3] Lumens (XLM) are the native asset of the Stellar network, used to meet each account's minimum base reserve requirement and to pay per-operation transaction fees. Stellar Developer Docs — Lumens · verified 2026-09-22 Confirmed
[4] Stellar's base reserve is a unit used to calculate an account's minimum XLM balance, and anchors are the on- and off-ramps that connect off-chain assets to tokenized representations on Stellar. Stellar Developer Docs — Glossary · verified 2026-09-22 Confirmed
[5] Anchors are entities that issue and redeem Stellar tokens representing off-chain assets such as fiat deposits, functioning as bridges between the network and outside financial systems. Stellar Developer Docs — Anchors · verified 2026-09-22 Confirmed
[6] Stellar path payments route a payment through order books and liquidity pools to convert a sent asset into a different received asset within a single atomic transaction. Stellar Developer Docs — Path Payments · verified 2026-09-22 Confirmed
[7] The Stellar Decentralized Exchange stores buy and sell offers directly on the ledger as order books, and path payments use this infrastructure together with liquidity pools to execute trades. Stellar Developer Docs — Liquidity on the Stellar Decentralized Exchange · verified 2026-09-22 Confirmed
[8] Stellar's core validator and ledger software is developed as a publicly maintained open-source repository. GitHub — stellar/stellar-core · verified 2026-09-22 Confirmed
[9] Changes to the Stellar protocol are proposed and documented publicly as Stellar Ecosystem Proposals before adoption. GitHub — stellar/stellar-protocol · verified 2026-09-22 Confirmed

Profile last reviewed 2026-09-22. Historical background only — not investment advice.

Fees and pricing

Zero added fees: SwapRocket does not add a platform fee, a minimum or a withdrawal charge — the rate you see is the rate you get. Blockchain network fees are shown in full before you confirm, and the final amount you receive is quoted up front.

SwapRocket does not add a separate fee or markup to the provider quote. SwapRocket may earn a commission from the liquidity provider when a completed swap is referred through our platform. Provider spreads and applicable network costs are reflected in the quoted amount.

Network fees are set by the blockchain, not by SwapRocket. No account, no subscription and no withdrawal charge. Live support is available 24/7.

XLM swap FAQ

How do I swap Stellar (XLM) instantly on SwapRocket?

Pick XLM as the asset you want to receive, choose what you're paying with, paste your wallet address, and confirm. SwapRocket hands your order to the provider whose quote pays out the most at that moment, and most swaps complete in under 10 minutes — no SwapRocket account needed.

Can I swap XLM with no KYC?

No SwapRocket account or identity documents are needed to start a crypto-to-crypto swap of XLM. The provider that executes the swap may still request identity verification or hold a swap for review under its own AML and sanctions policy, regardless of amount. Selling to a bank account goes through a regulated payment partner that verifies the payer; card purchases on SwapRocket are coming soon.

Is swapping Stellar on SwapRocket non-custodial?

Yes. SwapRocket never holds your funds. The provider that executes the swap receives your deposit, holds it only for the duration of the swap, and sends XLM to the wallet address you provide.

Which network does XLM use here?

SwapRocket supports Stellar on the Stellar network. Always double-check that your receiving wallet supports this network before confirming.

What fees apply when I swap XLM?

SwapRocket adds no fee or markup to the provider's quote and may earn a commission from the provider on a completed swap. The provider's spread and any network cost it deducts on delivery are already reflected in the XLM amount shown; the network fee your own wallet charges to send the deposit is separate. Spreads vary by provider, pair and size, so compare the quoted receive amount.

More on fees, limits, KYC and timing: read the full crypto swap FAQ.