No KYC · Non-custodial · Private

XRP/XLM wallet exchange

ToSwap routes Ripple (XRP) into Stellar (XLM) on Stellar mainnet as a one-shot wallet transfer — no signup, no KYC file, no hosted balance. Send XRP yourself; after it confirms, XLM lands at the address you paste. Most orders wrap up in minutes.

    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 XRP 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 XRP amount to the deposit. After XRP Ledger confirms, XLM is pushed to your wallet.

    Before you broadcast

    • XRP Ledger confirmations are typically very fast — often seconds.
    • If your receiving account requires a destination tag, enter it exactly on the order form.
    • Leave enough XRP reserve if your wallet requires a minimum balance to activate the account.
    • 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

    XRP — fast ledger settlements

    XRP moves quickly on the XRP Ledger — designed for rapid settlement with minimal transaction fees.

    Destination tags on XRP

    Exchanges and custodial wallets often require a destination tag — missing tags delay or complicate crediting.

    Self-custody addresses may not need a tag; check what your wallet provider expects.

    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.

    XRP destination tags explained When a destination tag is required and what happens if it is missing. 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.

    XRP Swap Ripple (XRP) — no KYC hub XLM Swap Stellar (XLM) — no KYC hub

    Other pairs on this route

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

    FAQ for this route

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

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

    How fast does XLM usually arrive?

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

    Does ToSwap hold my XRP or XLM?

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

    What if I send XRP on the wrong network?

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