You send
Stellar XLM
Stellar is a payments network launched in 2014. XLM (lumens) is its native asset, used for fees and as a bridge currency.
- Network
- Stellar
- Address
- Starts with G
XLM → ATOM
Swap Stellar to Cosmos without KYC
In shortTo swap Stellar (XLM) to Cosmos (ATOM) without KYC, enter the amount, paste your ATOM address and send your XLM to the one-time deposit address. AltoSwap compares 20+ exchanges for this pair, keeps the no-KYC ones by default and routes your swap to the offer that pays the most ATOM. No account, email or ID is needed.
- No KYC by default
- No account
- Fixed or floating
- Non-custodial
Rates come from live exchange quotes and refresh automatically. Page content reviewed by the AltoSwap team on . How we produce and check these pages.
XLM to ATOM at a glance
Stellar and Cosmos live on different blockchains, and this swap uses the native assets on both, with no bridge contract and no wrapped token. The exchange receives XLM on Stellar and pays out ATOM on Cosmos Hub.
Your ATOM is paid on Cosmos Hub. Use an address that starts with cosmos1. If your wallet or exchange gave you a memo, enter it as well; for a personal wallet it can usually be left empty.
Pair details
- You send
- Stellar (XLM) on Stellar
- You receive
- Cosmos (ATOM) on Cosmos Hub
- KYC
- None by AltoSwap. Routed through A-rated (no-KYC) exchanges by default
- Account
- Not required. No sign-up, no email
- Minimum amount
- About 22.3 XLM
- Maximum amount
- About 6,957,435 XLM
- Rate types
- Floating and fixed
- XLM deposit confirmation
- A few seconds
- Memo / tag
- ATOM may need a memo (exchange deposits)
- Custody
- Non-custodial: wallet → exchange → your wallet
How to swap XLM to ATOM
Four steps, with no account at any of them. Most of the wait is your XLM deposit confirming on Stellar.
- 1
Enter the XLM amount
Type how much XLM you want to swap (minimum about 22.3 XLM). The ATOM you will receive updates live.
- 2
Pick an offer
The top no-KYC offer is preselected. Open 'All offers' to compare fixed and floating rates, speed and each exchange's KYC rating.
- 3
Add your ATOM address
Paste the Cosmos Hub address where you want to be paid, plus a memo if you were given one. A refund address for your XLM is optional but recommended.
- 4
Send XLM, receive ATOM
Send the exact amount to the deposit address on Stellar. After it confirms (a few seconds), the ATOM is sent to your address.
About Stellar and Cosmos
Check the network and the address format on both sides before you send. A swap can only pay the address it was given.
You receive
Cosmos ATOM
Cosmos Hub is the first blockchain of the Cosmos network of interoperable chains. ATOM is used for staking and fees.
- Network
- Cosmos Hub
- Address
- Starts with cosmos1
Ways to swap XLM to ATOM, compared
The same swap can be done four ways. This is how they differ on privacy, custody and price.
| AltoSwap | KYC exchange | DEX | Single instant exchange | |
|---|---|---|---|---|
| Account needed | No | Yes, with email and password | No, wallet connection | No |
| Identity documents | None; no-KYC exchanges by default | ID and selfie before trading | None | Depends on that one exchange |
| Who holds your coins | You, apart from the minutes of the swap | The exchange, in your balance | You | You, apart from the minutes of the swap |
| Native XLM and ATOM | Yes | Yes | Mostly wrapped or bridged tokens | Yes |
| Rate you get | Best of 20+ exchanges, compared live | That exchange's order book | That pool's liquidity | One exchange's quote |
| Time for XLM to ATOM | Minutes | Hours to days, including sign-up | Minutes | Minutes |
| Buy with a bank card | No, crypto to crypto only | Yes | No | Usually no |
XLM to ATOM: questions and answers
How do I swap XLM to ATOM without KYC?
Enter the XLM amount on this page, choose an offer, paste your ATOM address and send your XLM to the deposit address shown. AltoSwap has no accounts and asks for no identity documents, and by default it only shows exchanges rated A for KYC, meaning providers that do not run identity checks. The ATOM is paid directly to your wallet.
What is the XLM to ATOM exchange rate?
The rate moves with the market every few seconds and depends on the amount. The calculator at the top of this page requests live quotes from 20+ exchanges and shows the best current XLM to ATOM rate for the amount you enter.
What are the minimum and maximum for XLM to ATOM?
The minimum is about 22.3 XLM and the maximum about 6,957,435 XLM. Limits vary slightly between exchanges and follow market prices; the form tells you immediately if your amount is outside the range.
How long does a XLM to ATOM swap take?
Usually 5 to 30 minutes. Most of that is waiting for your XLM deposit to confirm on Stellar, which takes a few seconds. There is no verification step, so nothing else adds to the wait.
Is swapping XLM to ATOM anonymous?
AltoSwap does not know who you are (no account, no email, no identity checks) and the default route uses no-KYC exchanges. Both Stellar and Cosmos Hub are public ledgers, though, so the transactions themselves are visible on-chain. For on-chain privacy, swap into a privacy coin such as Monero.
Which ATOM address should I use?
Your ATOM is paid on Cosmos Hub. Use an address that starts with cosmos1. If your wallet or exchange gave you a memo, enter it as well; for a personal wallet it can usually be left empty. Always use an address in a wallet you control and double-check the first and last characters before sending.
What fees are included in the XLM to ATOM rate?
Everything. The exchange's spread, the Cosmos Hub network fee for the payout and any service commission are already inside the quoted rate, so the amount shown is what you receive: exactly on a fixed rate, approximately on a floating rate. You only pay your own Stellar network fee to send the deposit.
Can I swap ATOM back to XLM?
Yes. The reverse direction, ATOM to XLM, works the same way and has its own page and live rate on AltoSwap. Each direction is quoted independently, so the two rates are not exact mirrors of each other.
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