No KYC · Non-custodial · Private

MATIC/XLM wallet exchange

A fast no-KYC MATIC-to-XLM path: the live number is shown first, you fund the deposit from a wallet you control, and payout is automatic on Stellar mainnet. Nothing sits in a ToSwap balance between the two legs.

    Start swap

    You Send
    -
    ▼
    All fees included
    Estimated rate: -
    You Get
    -
    ▼

    Three steps on ToSwap

    1. Set the MATIC amount and paste the Stellar address that should collect payout on Stellar mainnet.

    2. Tap Exchange to lock the live ToSwap quote and reveal this order’s deposit details.

    3. Send exactly that MATIC amount to the deposit. After Polygon mainnet confirms, XLM is pushed to your wallet.

    Before you broadcast

    • Polygon confirmations are usually fast — often within a minute.
    • Send MATIC on Polygon PoS mainnet only — not Ethereum or other L2s unless your order says otherwise.
    • Use a Polygon-compatible wallet and address (0x…). Leave enough MATIC for gas.
    • If XLM is late, refresh your wallet and re-check the order status. When a payout hash is already listed, email or SimpleX support with your Exchange ID — ToSwap has no login that can reopen expired pages.
    You send

    Polygon — low-cost EVM layer-2

    MATIC (POL) powers Polygon — fast EVM transfers, low fees, and wide DeFi and bridge liquidity.

    MATIC on Polygon mainnet

    Use a Polygon PoS wallet for deposits. Do not send MATIC on Ethereum mainnet — wrapped versions are different assets.

    Leave enough MATIC in your wallet to cover gas on top of the swap amount.

    You receive

    Stellar — fast payments network

    XLM (Stellar Lumens) powers the Stellar network — built for low-cost cross-border transfers and tokenized assets.

    XLM not visible yet?

    Resync your Stellar wallet. If the order shows a sent transaction, verify the address and memo match your wallet.

    When will XLM arrive?

    Stellar settlements are usually very quick once your deposit confirms.

    • Check Stellar Expert or a similar explorer with the payout tx hash.
    • Confirm whether your wallet needs a destination memo for incoming funds.
    • Keep a small XLM reserve if your wallet requires a minimum balance.

    Deposit checklist

    Chain mismatches and bad addresses are the usual failure modes — skim these notes before you fund the deposit.

    Sent crypto to the wrong network? Wrong chain sends often cannot be reversed — learn what to check first. Polygon (MATIC) deposit mistakes Polygon PoS tokens are not Ethereum mainnet tokens. Deposit amount must match exactly Under- and over-payments can delay or fail automated crediting. What each swap status means From awaiting deposit to complete — read each status on your order page.

    How ToSwap works

    Asset hubs

    More anonymous no-KYC lanes and chain notes for each coin.

    MATIC Swap Polygon (MATIC) — no KYC hub XLM Swap Stellar (XLM) — no KYC hub

    Other pairs on this route

    XLM → MATIC Instant Stellar → Polygon: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → BTC Convert Polygon to Bitcoin with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → XMR Convert Polygon to Monero with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → ETH Convert Polygon to Ethereum with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → USDT MATIC to USDT via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → USDT Instant Polygon → Tether: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → USDC Exchange MATIC for USDC without signup — privacy-first, non-custodial, fees shown before you send. MATIC → SOL Exchange MATIC for SOL without signup — privacy-first, non-custodial, fees shown before you send. MATIC → ZEC Exchange MATIC for ZEC without signup — privacy-first, non-custodial, fees shown before you send. MATIC → BNB MATIC to BNB via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → LTC Instant Polygon → Litecoin: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → XRP MATIC to XRP via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit.

    FAQ for this route

    Is KYC or a ToSwap account required for MATIC → XLM?

    No. ToSwap never opens a profile or asks for ID documents on a standard Polygon to Stellar order. You stay non-custodial on both legs.

    How fast does XLM usually arrive?

    Many payouts leave within minutes after the Polygon mainnet deposit confirms. Congestion on Polygon mainnet or Stellar mainnet can stretch that — fees and mempools set the clock, not a manual review.

    Does ToSwap hold my MATIC or XLM?

    No hosted balance. You broadcast MATIC from a wallet you control; XLM is paid only to the address you paste. Nothing sits under a ToSwap username.

    What if I send MATIC on the wrong network?

    Match Polygon mainnet exactly as printed on the order badge. A wrong-chain deposit often cannot be credited automatically — double-check before you broadcast.