Buy Stellar (XLM) with a credit or debit card
Buy Stellar with Visa, Mastercard, Apple Pay or Google Pay and receive XLM directly in your own wallet. SwapSpace compares live XLM purchase offers from multiple fiat-to-crypto providers, so you can compare rates, fees, and payment options before choosing one. No SwapSpace account is required.
- Purchases available from $5*
- 75+ fiat currencies supported
- XLM is sent directly to your wallet
- Rates and fees shown before you pay
*The minimum purchase amount varies depending on the selected asset pair and provider.
How to buy Stellar (XLM) through SwapSpace
Step 1
Choose your amount
Select your fiat currency and enter the amount you want to spend on XLM.
Step 2
Compare offers
Review available rates and choose a provider that supports Visa or Mastercard payments in your region.
Step 3
Enter your wallet address
Provide your Stellar wallet address and make sure the selected network matches your wallet.
Step 4
Pay and receive XLM
Complete the provider’s identity verification and card payment steps. Once processed, XLM will be sent to your wallet.
What can you do with Stellar?
Hold
Keep your Stellar in a compatible wallet for future use. Choose a mobile, desktop, or hardware wallet based on how you prefer to access and manage your crypto.
Send
Transfer Stellar from your wallet to friends, family, or business partners. Check that the recipient’s address and network match before confirming your transaction.
Donate
Put your Stellar toward a cause you care about. Find a charity or community project that accepts it and follow their crypto donation instructions.
Spend
Pay for goods and services with Stellar wherever it is accepted. Check the merchant’s supported payment options and use your wallet to complete the purchase.
Swap
Ready to explore other cryptocurrencies? Compare available offers on SwapSpace, choose your preferred exchange option, and swap Stellar for another supported asset in a few simple steps.
Sell
Convert Stellar into fiat through a provider that supports your asset and location. Review the available payout methods and the amount you will receive before confirming.
Payment methods to buy Stellar
Credit and debit cards
Buy Stellar with your Visa or Mastercard. Choose an offer on SwapSpace, enter your wallet address, and complete the card payment through the selected provider.
Apple Pay
Use a card saved in Apple Wallet to buy XLM. Select Apple Pay at checkout and approve the payment on your compatible Apple device.
Google Pay
Purchase Stellar with a payment card saved to your Google Account. Choose Google Pay at checkout for a convenient way to pay without re-entering your card details.
PayPal
Pay with PayPal when offered by your selected provider. Sign in to your account, choose an available funding source, and confirm your XLM purchase.
Bank transfer
Buy Stellar using a transfer from your bank account. Follow the provider’s payment instructions and check the estimated processing time before sending your funds.
Payment methods vary by provider, country, currency, and cryptocurrency.
Stellar (XLM) price chart
XLM is trading at $0.20 right now. Use the chart to track XLM price movements over the past day, week, or month before you buy. The market price is for reference only. The amount of Stellar you receive depends on the provider offer you select, the rate type, and market conditions during the transaction. For longer-term outlooks, see our Stellar price prediction.
Stellar market data
XLM Price
$0.195196
24H Volume
$236.9M
Market Cap
$6.84B
24H Price Change
2.1%
24H Volume Change
21.6%
Circulating Supply
35.05B XLM
Last updated at
Buy Stellar at top rate
Rates from CoinMarketCap updated at
What is Stellar (XLM)?
What is Stellar?
Stellar is an open-source blockchain network launched in 2014 by Jed McCaleb, one of the co-founders of Ripple, and Joyce Kim. The primary goal of Stellar is to facilitate low-cost, fast cross-border payments and seamless asset issuance. Its consensus mechanism, known as the Stellar Consensus Protocol (SCP), is a unique federated Byzantine agreement model that enables faster transaction finality without the need for energy-intensive mining.
The native token of the Stellar network is XLM (Lumen), which plays a key role in transaction fees and network operations. Stellar’s primary use cases include international remittances, fiat and crypto asset transfers, and tokenized asset issuance. Notable technical features include built-in decentralized asset exchange, multi-currency payment channels, and compliance tools.
Important entities and standards within the Stellar ecosystem include Stellar Development Foundation (SDF), Stellar Consensus Protocol (SCP), XLM, Stellar Anchors (trusted entities bridging fiat and crypto), Stellar Asset Issuance, SEP-6/SEP-24 (Stellar Ecosystem Proposals for payments and KYC), and StellarTerm (a popular decentralized interface). Stellar’s design emphasizes interoperability, efficiency, and accessibility for both individuals and institutions.
Why buy Stellar (XLM)?
Stellar (XLM) offers a range of practical applications and network utilities that make it a relevant digital asset for users worldwide. Its focus on near-instant, low-fee transactions across borders has made it a preferred choice for remittance providers, fintech platforms, and individuals looking for accessible payment solutions. XLM also serves as a critical medium of exchange and operational fuel within the Stellar network, supporting both everyday transfers and more complex financial products.
Beyond payments, XLM can be used in various ecosystem activities. Here are some of the main use cases for those who buy Stellar:
- Transaction Fees: Pay minimal fees for fast transfers on the Stellar network using XLM.
- Cross-Border Payments: Use XLM to send value internationally, benefiting from quick settlement and low costs.
- Tokenized Asset Transfers: Participate in issuing or transferring tokenized assets, such as stablecoins or securities, on Stellar.
- Network Utility: Maintain minimum account balances and enable account operations by holding XLM.
- Access to Decentralized Exchange: Use XLM to trade digital and fiat-backed assets directly via Stellar's built-in DEX.
- Integration with Ecosystem Apps: Engage with wallets, payment apps, and services built on Stellar that require XLM.
Risk disclaimer: Cryptocurrency markets are highly volatile. Always do your own research and never invest more than you can afford to lose.
Why choose SwapSpace to buy Stellar?
SwapSpace is a non-custodial crypto exchange aggregator that enables you to buy Stellar (XLM) with full transparency and flexibility. This aggregator model means you can compare real-time rates from multiple trusted providers, ensuring you find a competitive offer for your Stellar purchase.
- Aggregator model: SwapSpace compares rates from several partner providers in real time, so you can select the most favorable deal to buy XLM at any moment.
- No markup added: SwapSpace does not add any extra fees or markups on top of the provider’s rate when you buy Stellar.
- Non-custodial experience: Your XLM is sent directly to your wallet; SwapSpace never holds your funds.
- Trusted partner providers: All fiat-to-crypto purchases are processed by Mercuryo, Guardarian, or Simplex—established names in the industry.
- 200+ supported cryptocurrencies: You can swap, buy, or sell a wide range of assets beyond Stellar, all through a single aggregator interface.
- Multiple payment methods: Pay with credit card, debit card, Visa, Mastercard, Apple Pay, Google Pay, or even bank transfer, depending on your provider.
By relying on a crypto exchange aggregator like SwapSpace, you maintain full control over your assets and benefit from transparent pricing and streamlined purchasing.
How to buy Stellar (XLM) with a credit and debit card
Buying Stellar (XLM) via SwapSpace is designed to be user-friendly and straightforward. You can purchase XLM instantly using several convenient payment methods, including credit card, debit card, Visa, Mastercard, Apple Pay, Google Pay, or bank transfer. The aggregator setup allows you to compare offers from Mercuryo, Guardarian, and Simplex in real time, helping you choose the best way to buy Stellar.
- 2. Choose Stellar (XLM): Visit SwapSpace, select Stellar as the cryptocurrency you want to buy, and enter the desired amount.
- 4. Select your payment provider: The aggregator will display real-time rates from Mercuryo, Guardarian, and Simplex—choose the offer that suits you.
- 6. Enter your wallet address: Provide your XLM wallet address where your purchased Stellar will be sent directly.
- 8. Pick a payment method: Select from credit card, debit card, Visa, Mastercard, Apple Pay, Google Pay, or bank transfer, depending on your provider’s options.
- 10. Complete payment and verification: Proceed to payment. You may be asked to verify your identity by the payment provider, depending on the amount and your country of residence. Once payment is confirmed, your XLM will be delivered instantly or within a few minutes.
Using a crypto exchange aggregator like SwapSpace lets you buy Stellar (XLM) instantly, compare rates, and pay securely with your preferred method, including Visa, Mastercard, Apple Pay, Google Pay, or bank transfer. Mercuryo, Guardarian, and Simplex ensure a reliable purchase process.
Stellar wallets
After you buy Stellar (XLM), you will need a secure wallet to store, send, or use your tokens. Here are several popular wallets that support XLM:
- Lobstr: A user-friendly mobile and web wallet built specifically for Stellar, allowing easy management of XLM and Stellar-based assets.
- Solar Wallet: A non-custodial wallet with support for Stellar’s ecosystem features, including multi-signature accounts and asset management.
- Ledger Nano S / X: Hardware wallets from Ledger that offer offline storage and support for XLM via the Stellar app.
- StellarTerm: A web-based interface for interacting with the Stellar decentralized exchange and managing XLM.
- Trust Wallet: A multi-asset mobile wallet that supports Stellar (XLM) alongside hundreds of other cryptocurrencies.
What can I do after I buy Stellar?
Once you have purchased Stellar (XLM), you have several options for managing, using, or converting your tokens. XLM is versatile and supported widely across wallets, payment apps, and financial services.
- Hold: Store XLM in a secure wallet for long-term storage or future use.
- Send / Transfer: Move XLM to friends, family, or business partners—either locally or cross-border—with minimal fees.
- Swap to another cryptocurrency: Use SwapSpace’s aggregator to exchange XLM for other supported cryptocurrencies.
- Spend: Pay merchants or service providers who accept Stellar (XLM) as payment, online or in person.
Cryptocurrency markets are highly volatile. Always do your own research and never invest more than you can afford to lose.
How to buy XLM on SwapSpace
Why buy Stellar through SwapSpace?
- Compare instead of guessing. Instead of relying on a single provider, SwapSpace brings together available XLM offers from multiple fiat-to-crypto providers. Compare rates, fees, payment methods, and the amount of XLM you'll receive before choosing an offer.
- Buy XLM directly to your wallet. SwapSpace is non-custodial, so your Stellar is sent to the wallet address you provide. There is no SwapSpace balance and no additional withdrawal step.
- Vetted providers only. We work exclusively with regulated third-party payment providers, each reviewed before integration and monitored on an ongoing basis. See all partners.
- Get 24/7 support. Our team is available 24/7 and stays with you until the transaction is complete, even when the payment is handled by a partner.
- Rated by 900+ users. See independent customer feedback and our current rating on Trustpilot. Read what users say.
Accepted payment methods
You can buy Stellar using several payment methods, depending on your country and the selected provider:
- Visa and Mastercard — buy XLM with a supported credit or debit card.
- Apple Pay and Google Pay — one-tap checkout on mobile, available with selected providers.
- Bank transfer (SEPA, ACH, Faster Payments) — lower fees and higher limits, but slower; best for larger amounts.
- PayPal — available through selected providers, including Transak and MoonPay, in supported countries.
- Other cryptocurrency — already hold crypto? Swap it for XLM instead of paying with fiat, usually with lower fees.
Payment methods, limits, and availability vary by provider and region. Enter your purchase details in the widget to see the Stellar payment options currently available to you.
Stellar purchase fees, limits, and processing time
- Fees. The price you see in the offer already includes the provider's fee and the network fee, so there are no surprises at checkout. Costs can vary by provider and payment method, and your card issuer or bank may charge additional fees that are outside SwapSpace's control.
- Limits. Minimum purchase usually starts at $5. The maximum amount of Stellar you can buy depends on the selected asset pair, provider, and payment method. Check the available offers to see the applicable limits for your purchase.
- Timing. The time it takes to buy Stellar depends on the payment method, provider processing, identity verification, and blockchain network conditions. Card and mobile-wallet payments can be processed within 10–30 minutes once approved, while bank transfers may take longer.
Where to store XLM after you buy?
You need a compatible Stellar wallet address to receive XLM. Depending on the networks supported by Stellar, wallet options may include hardware wallets such as Ledger and Trezor and software wallets such as Trust Wallet or Guarda.
Hardware wallets keep private keys on a dedicated device and can be suitable for long-term storage, while mobile and browser wallets can be more convenient for frequent transactions. Whichever wallet you choose, make sure it supports XLM and the network selected for your purchase before entering the receiving address.
Other popular crypto
Changed your mind about buying XLM? Interested in another coin? Take a look at other offers! Or you can exchange crypto-to-crypto.
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