No KYC · Non-custodial · Private

Swap Stellar → Monero (no KYC)

Swap Stellar for Monero without building a ToSwap profile. Low fees, top rates where the market allows, and no user dossier on file. Deposit XLM, wait for confirmations, receive XMR on Monero mainnet.

    Start swap

    You Send
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    All fees included
    Estimated rate: -
    You Get
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    Three steps on ToSwap

    1. Set the XLM amount and paste the Monero address that should collect payout on Monero mainnet.

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

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

    Before you broadcast

    • Stellar confirmations are typically very fast — often within seconds.
    • A minimum XLM balance may be required to activate or maintain your Stellar account.
    • Use a Stellar mainnet address (starts with G…). Include a memo if your receive wallet or exchange requires one.
    • If XMR 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

    Stellar — fast payments network

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

    Sending XLM on Stellar

    Send native XLM on Stellar mainnet from a compatible wallet.

    If your payout destination requires a memo, enter it exactly on your order form — missing memos are a common support issue.

    You receive

    Monero on ToSwap — privacy by default

    XMR hides amounts and destinations on-chain. Prefer a fresh subaddress per ToSwap order; after payout, give your wallet time to scan before you assume the GUI is wrong.

    XMR payout not showing?

    Wait for wallet sync to complete — Monero often needs several minutes to reflect incoming outputs.

    If the order lists a payout tx but your synced wallet shows nothing, contact support.

    Receiving XMR with privacy intact

    Monero payouts use one-time addresses — your wallet must finish scanning recent blocks to display the balance.

    • Use a fresh subaddress for each swap rather than reusing old receive addresses.
    • Compare your wallet block height with a public explorer before assuming a payout failed.
    • Allow extra time after the order shows sent — privacy features can delay wallet display.

    Deposit checklist

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

    Prove a Monero transaction you sent Verify an XMR payment when your wallet is still syncing. 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 to track swap order status Use your exchange ID and read each status on the order page.

    How ToSwap works

    Asset hubs

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

    XLM Swap Stellar (XLM) — no KYC hub XMR Swap Monero (XMR) — no KYC hub

    Other pairs on this route

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

    FAQ for this route

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

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

    How fast does XMR usually arrive?

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

    Does ToSwap hold my XLM or XMR?

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

    What if I send XLM on the wrong network?

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