Swap XRP for Stellar (XLM)
The calculator does the maths at the live rate, the page lists the limits and the timing. Your rate is locked the moment the order is created.
Rate as of Nov 1, 2026 12:14
- Payout network
- Stellar
- 24 hours
- +0.62%
Today XRP goes for 7.4302 XLM, and XLM goes for 0.134586 XRP. Market over 24 hours: XRP against XLM plus 0.62%. The week added minus 3.31%.
The weekly corridor ran from 7.2721 to 7.8334 XLM, a spread of 7.72%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap XRP sits 5th ($79.32 B) and Stellar 19th ($5.97 B). Daily moves of XRP and XLM over 90 days line up at 0.63 (they travel alike).
Who takes the XRP → XLM route
- Fast paymentsA block in Stellar closes in about 5 sec, which is why Stellar is used for moving money rather than holding it.
- Different basketsDaily moves of XRP and XLM over 90 days line up at 0.63 (they travel alike) — the looser the link, the less a portfolio depends on one coin.
- A road both waysThe XLM → XRP direction is open too, so going back into XRP takes the same route.
XRP → XLM rate and amounts
1 XRP = 7.4302 XLM
1 XLM = 0.134586 XRP
Send XRP — receive XLM
| XRP | XLM | ≈ USD |
|---|---|---|
| 10 | 74.3021 | $12.50 |
| 50 | 371.5104 | $62.50 |
| 200 | 1,486.04 | $250.00 |
| 2,000 | 14,860.42 | $2,500.00 |
| 10,000 | 74,302.08 | $12,500.00 |
| 50,000 | 371,510.4 | $62,500.00 |
Need XLM — send this much XRP
| XLM | XRP | ≈ USD |
|---|---|---|
| 100 | 13.4586 | $16.82 |
| 500 | 67.2929 | $84.12 |
| 2,000 | 269.1715 | $336.46 |
| 20,000 | 2,691.71 | $3,364.64 |
| 100,000 | 13,458.57 | $16,823.22 |
| 500,000 | 67,292.87 | $84,116.08 |
How the XRP → XLM order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a XLM address in Stellar and a way to reach you. Receiving to an exchange? Add the Memo, or the payment will hang.
- Send XRP in XRP Ledger for exactly the amount stated in the order.
- Once the network confirms your transfer, Stellar leaves for your address. The order page tracks every step.
Check this before sending XRP
- The address network is Stellar. Sending through another network usually means losing the transfer.
- If the receiving wallet asks for a Memo, put it in the order.
- Copy the address whole, then compare the first and last characters after pasting.
- Coins go through an AML check: a flagged transfer can be held until the check is finished.
Where the XRP to XLM rate has been
high 7.8334 XLMlow 7.2721 XLM
Oct 25, 2026 12:18Nov 1, 2026 12:18
high 7.8067 XLMlow 6.5802 XLM
Oct 1, 2026 03:00Oct 31, 2026 03:00
high 7.8644 XLMlow 6.2035 XLM
Aug 2, 2026 03:00Oct 31, 2026 03:00
high 9.4998 XLMlow 4.888 XLM
Nov 1, 2025 03:00Oct 31, 2026 03:00
- 24 hours
- +0.62%
- Week
- −3.31%
- Weekly high
- 7.8334 XLM
- Weekly low
- 7.2721 XLM
- Spread
- 7.72%
Market data from CoinGecko as of Nov 1, 2026 11:54; the exchange rate is calculated separately and differs. Where these numbers come from
How far XRP/XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 7.4152 | 7.2862 | 7.3794 | +0.62% |
| Week | 7.8334 | 7.2721 | 7.6032 | −3.31% |
| Month | 7.8067 | 6.5802 | 7.2494 | +12.14% |
| Quarter | 7.8644 | 6.2035 | 7.1347 | +18.95% |
Figures are in XLM per unit sent, from market data.
Daily XRP → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Oct 31, 2026 | 7.379 XLM | −3.2% |
| Oct 30, 2026 | 7.6228 XLM | −0.83% |
| Oct 29, 2026 | 7.6867 XLM | −1.54% |
| Oct 28, 2026 | 7.8067 XLM | +1.05% |
| Oct 27, 2026 | 7.7252 XLM | +0.26% |
| Oct 26, 2026 | 7.7053 XLM | +1.73% |
| Oct 25, 2026 | 7.5744 XLM | +1.4% |
Daily RubyCash rate: XRP → XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 1, 2026 | 7.4224 XLM | 7.377 |
| Oct 31, 2026 | 7.3856 XLM | 7.3425 |
| Oct 30, 2026 | 7.4369 XLM | 7.4702 |
| Oct 29, 2026 | 7.6175 XLM | 7.5775 |
| Oct 28, 2026 | 7.6952 XLM | 7.6981 |
| Oct 27, 2026 | 7.8212 XLM | 7.756 |
| Oct 26, 2026 | 7.6999 XLM | 7.6821 |
| Oct 25, 2026 | 7.7016 XLM | 7.6698 |
| Oct 24, 2026 | 7.5986 XLM | 7.5615 |
| Oct 22, 2026 | 7.4367 XLM | 7.4502 |
| Oct 21, 2026 | 7.4459 XLM | 7.4973 |
| Oct 20, 2026 | 7.3401 XLM | 7.3194 |
| Oct 19, 2026 | 7.3601 XLM | 7.3709 |
| Oct 18, 2026 | 7.3585 XLM | 7.3043 |
Our own rate is written down every hour; the table keeps the last entry of each day. The market column is the ratio of the same two coins on CoinGecko at that moment. Where these numbers come from
The numbers on XRP and XLM
XRP XRP- Price
- $1.25
- 24 hours
- +0.62%
- Week
- −3.19%
- Market cap
- $79.32 B
- 24-hour turnover
- $665.6 M
- Rank by cap
- #5
- In circulation
- 63.35 B XRP
- Record price
- $3.65
Stellar XLM- Price
- $0.169445
- 24 hours
- −0.01%
- Week
- −0.13%
- Market cap
- $5.97 B
- 24-hour turnover
- $74.3 M
- Rank by cap
- #19
- In circulation
- 35.25 B XLM
- Record price
- $0.875563
Source: CoinGecko, Nov 1, 2026 11:54.
XRP against Stellar
| XRP (XRP) | Stellar (XLM) | |
|---|---|---|
| Ticker | XRP | XLM |
| Type | coin of its own network | coin of its own network |
| Launched | 2012 | 2014 |
| Built by | Ripple Labs | Jed McCaleb, Joyce Kim |
| Consensus | XRP Ledger Consensus Protocol | Stellar Consensus Protocol |
| Block | ~4 sec | ~5 sec |
| Supply cap | 100 B XRP | 50 B XLM |
| Privacy | transfers are public | transfers are public |
| In circulation | 63.35 B XRP | 35.25 B XLM |
| Market cap | $79.32 B | $5.97 B |
| Rank by cap | #5 | #19 |
Daily moves of XRP and XLM over 90 days line up at 0.63 — they travel alike.
Common questions: XRP → XLM
What rate does XRP to XLM run at?
As of Nov 1, 2026 12:14 it is 1 XRP = 7.4302 XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.26.
What else is taken on top of the rate?
The payout is already calculated at the rate in the calculator. On top of it you only pay the network fee for sending XRP, and that one goes to the blockchain, not to us.
How long does XRP to XLM take?
The clock starts with confirmations: the order goes into work once XRP Ledger confirms your transfer. After that it comes down to how busy the network is. A block in XRP Ledger closes in about 4 sec.
Which network will XLM arrive in?
Stellar leaves in its own Stellar network — a plain XLM address is all you need. Some exchanges and wallets also need a Memo.
What if the rate moves while I am paying?
The rate is pinned to the order and does not move while the order is alive. It can be recalculated if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.
What did the XRP to XLM rate do this month?
The month came in at plus 12.14%. Low 6.5802, high 7.8067, middle 7.2494 XLM per XRP.
Can I go back, XLM to XRP?
Yes, the reverse direction is open: 1 XLM = 0.135263 XRP. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send XRP, receive something else
XRP → XMR0.00209464
XRP → XTZ4.943
XRP → YFI0.000619151
XRP → ZBT17.5627
XRP → ZEC0.00100807
XRP → ZRO0.681196
XRP → ZRX12.6891
XRP → 1INCH15.2972
Receive XLM, send something else
- XTZ → XLM1.507
- YFI → XLM12,030.83
- ZBT → XLM0.424132
- ZEC → XLM7,411.55
- ZRO → XLM10.935
- ZRX → XLM0.587032
- 1INCH → XLM0.486947
AAVE → XLM811.6368
