No KYC · Non-custodial · Private

XMR/XLM wallet exchange

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

    Start swap

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

    Three steps on ToSwap

    1. Set the XMR 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 XMR amount to the deposit. After Monero mainnet confirms, XLM is pushed to your wallet.

    Before you broadcast

    • Monero needs confirmations before funds are final — wallet sync matters.
    • Give your Monero wallet time to scan new blocks after receipt.
    • Use a fresh subaddress for each swap. Avoid reusing old XMR receive addresses.
    • 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

    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.

    Keep the Monero wallet synced

    An out-of-sync wallet may not display incoming funds even after the order shows a payout.

    Compare your wallet block height with a public Monero explorer before opening a support ticket.

    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.

    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.

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

    Other pairs on this route

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

    FAQ for this route

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

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

    How fast does XLM usually arrive?

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

    Does ToSwap hold my XMR or XLM?

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

    What if I send XMR on the wrong network?

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