Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

How to buy, sell or trade Stellar Lumens (XLM)

See how the Stellar network works and how you can use Lumens.

Promoted App App logo
  • Buy crypto at true cost with the lowest fees
  • Buy, sell, and manage 100+ cryptoassets, and track 200+ coins
  • Earn up to 14.5% p.a. on interest, paid weekly. T&Cs apply
Go to site

Thinking about adding Stellar Lumens to your portfolio?

These days, you can buy and sell Stellar Lumens (XLM) on quite a few exchanges, so keep reading for step-by-step instructions on how to start trading this popular cryptocurrency.

Disclaimer: This information is not financial advice or an endorsement of cryptocurrency or any specific provider, service or offering. Cryptocurrencies are highly volatile and high risk. Do your own research and seek financial advice before buying. Please check with providers if their services are available in your state.

Quick guide: How to buy XLM

  1. Register for an account on an exchange like eToro
  2. Enable two factor authentication
  3. Choose your deposit method
  4. Enter your deposit amount and initiate the payment
  5. Once your account has been credited, go to the trading page
  6. Choose the cryptocurrency you want to buy
  7. Enter the amount you want to purchase
  8. Check the transaction details and confirm the purchase
eToro USA LLC; Investments are subject to market risk, including the possible loss of principal.
Go to eToro USA's site

This is our quick guide to just one way to buy XLM. Compare some other options in the table below.

Exchanges where you can buy, sell or trade Stellar

Name Product Deposit methods Fiat Currencies Cryptocurrencies
eToro USA LLC Cryptocurrency Trading
Wire transfer, Online banking


Disclaimer: eToro USA LLC; Investments are subject to market risk, including the possible loss of principal.

Copy the trades of leading cryptocurrency investors on this unique social investment platform. Non-US residents can read our review of eToro's global site here.
KuCoin Cryptocurrency Exchange
Cryptocurrency, PayPal, Wire transfer, Credit or Debit Card, SEPA


Finder exclusive: Sign up and use code 1xf56 for one month of VIP 1 benefits. Deposit/transfer more than 0.1 BTC to KuCoin within 7 days of registration for 1 month of VIP 2 benefits. T&Cs apply.
Browse a variety of coin offerings in one of the largest multi-cryptocurrency exchanges and pay in cryptocurrency. App
Credit card, Cryptocurrency, PayPal, TransferWise, SEPA


Buy 100+ cryptocurrencies, earn up to 14.5% p.a. on holdings, pay with your crypto for cashback at stores, get loans and more with this complete crypto-finance platform.
SoFi Cryptocurrency Exchange
SoFi Cryptocurrency Exchange
Bank transfer


Instantly purchase a handful of leading cryptocurrencies with the SoFi app, which also insures your coins against potential hacks or theft. Cryptocurrency Exchange


Finder exclusive: New users get $90 worth of Gate.IO points and an airdrop of $5 in random tokens if trade volume exceeds $100 in their first week. T&Cs apply.
A feature-rich exchange with over 700 tokens including derivatives, yield farming and lending products.
Robinhood Cryptocurrency Exchange
Bank transfer, Cash, Debit card


Trade a handful of leading cryptocurrencies with this easy to use mobile app.
Binance.US Cryptocurrency Exchange
Bank transfer (ACH), Bank transfer, Cryptocurrency, Debit card, Wire transfer


Get a US$15 bonus when you trade US$100 or more of any supported crypto. T&Cs apply.
Trade with USD on Binance.US, the American dollar onramp of the world’s largest cryptocurrency exchange. Non-US residents can read our review of Binance's main exchange here.
Coinbase Digital Currency Exchange
Bank transfer (ACH), Debit card, PayPal, Wire transfer, Apple Pay


Buy and sell major cryptocurrencies on one of the world's most renowned cryptocurrency exchanges.
Webull Cryptocurrency Exchange
Bank transfer (ACH), Wire transfer


New users get 5 USD worth of SHIB when they activate crypto trading and make a trade before October 20, 2021. T&Cs apply.
Trade a handful of leading cryptocurrencies on this mobile app with as little as $1 per trade, plus access to stocks and ETFs.

Compare up to 4 providers

You can also trade on the Stellar Decentralized Exchange. StellarTerm is a gateway into this, allowing buyers to access the Stellar Decentralized Exchange to trade with various sellers. Purchasing options vary depending on the listings available at the time.

Exchanges where you can buy or sell crypto with USD

Name Product Deposit methods Fiat Currencies Cryptocurrencies
Coinbase Digital Currency Exchange
Bank transfer (ACH)


Buy and sell major cryptocurrencies on one of the world's most renowned cryptocurrency exchanges.
Coinmama Cryptocurrency Marketplace
Bank transfer, Credit card, Cryptocurrency, Debit card


Founded in 2013, CoinMama lets you buy and sell popular cryptos with a range of payment options and quick delivery.
LocalBitcoins P2P Exchange
Bank transfer (ACH), Cash, Credit card, Cryptocurrency, PayPal
AUD, USD, EUR, GBP, CAD, CNY & 120+ more


Trade fiat currency for bitcoin in person or online with this peer-to-peer exchange offering competitive fees and wide delivery options.

Compare up to 4 providers

A step-by-step guide to buying XLM

In the US, you can’t purchase XLM with US dollars or another fiat currency. Instead, you have to buy it with another cryptocurrency like bitcoin (BTC) or Ethereum (ETH).

Buying XLM with cryptocurrency

If you want to buy XML with US dollars, here’s one example of how you can do it:

Tutorial: Buying XLM with Coinbase

Go to Coinbase's website

How to sell XLM

To sell your XLM holdings:

  1. Log in to your chosen exchange.
  2. Click through to the trading page, and search for the pair you want to trade.
  3. Enter the details of your transaction in the Sell tab.
  4. Review the transaction specifics.
  5. Click Sell XLM.

Wallets that support Lumens

Some people opt to keep the XLM they buy in their crypto exchange account. While it’s a convenient way to makes sure you have fast access to your crypto for future trades, it’s a risky move. With crypto exchanges a popular target for hackers, it’s widely recommended that you move your XLM into a secure wallet that lets you control your private key. Wallets you may want to consider include the Ledger Nano S hardware wallet, the Stellar Desktop Client and the Lobstr mobile wallet. For tips on what to look for in an XLM wallet, read our guide to five of the best Stellar wallets.

  • Ledger Nano S
  • Stellar Desktop Client
  • Stargazer
  • Stellar Portal
  • Stronghold
  • Blackwallet
  • SAZA
  • Papaya
  • StellarTerm
  • Lobstr

How Stellar works

Launched in 2014, Stellar aims to offer fast and affordable cross-border transactions. Its distributed payments network ensures that transactions are processed within two to five seconds for a tiny fee of approximately a single 600,000th of a cent per transaction.

To send funds on the Stellar network, create an account and then upload the currency you want to transfer to an “anchor,” such as a bank or remittance company. That anchor issues virtual credit to your Stellar account, allowing you to send near-instant transfers around the world. According to Stellar, Lumens play two main roles in the network:

  • Preventing spam. To prevent denial-of-service attacks, each transaction on Stellar attracts a fee of 0.00001 XLM. All accounts on the Stellar network must hold a minimum balance of 0.5 Lumens, a measure designed to declutter the ledger.
  • Facilitating multicurrency transactions. Lumens facilitate trades between fiat currencies, acting as a bridge between currencies that don’t have a large direct market.

The project is backed by the Stellar Development Foundation, whose mission is to promote global financial access, literacy and inclusion.

Keep reading about how Stellar works.

Why buy XLM?

Lumens is the network token, which you can use to:

  • Charge a minor operation fee. A fee of 0.00001 XLM is charged to senders for each operation in a transaction. The fee is purely intended to discourage DDoS attacks, which occur when people flood the network with meaningless transactions.
  • Act as an “entry pass.” You need to hold at least 20 XLM to use the Stellar network.
  • Exchange currencies. If necessary, XLM can act as a universal unit of exchange for transferring currencies.

What to consider before you buy XLM

Cryptocurrencies are highly volatile and complicated assets, so there’s significant risk involved in any crypto purchase. With this in mind, carefully assess the factors that could potentially affect the price of a currency before you buy. If you’re thinking of buying any XLM, remember to consider:

  • Supply. According to CoinMarketCap, in August 2018, the circulating supply of Lumens was 18,771,744,750 XLM out of a total supply of 104,204,519,656 XLM.
  • Inflation. The initial supply of Lumens was 100 billion, but the currency is designed to be inflationary. A fixed inflation rate of 1% per year applies, and all transaction fees paid on the network are recycled.
  • Distribution. plans to distribute the initial supply of 100 billion XLM as follows:
    • 50% given away to individuals who sign up to the network using an invitation link.
    • 25% given away to businesses, governments, institutions or nonprofits that contribute to the growth and adoption of the Stellar network.
    • 20% given away to bitcoin and XRP holders during a giveaway completed in 2016 and 2017.
    • 5% reserved for operational expenses.
  • ICOs. The Stellar network can also be used by new crypto projects looking to launch ICOs. Mobius Network and SureRemit are just a couple of the projects to have launched via Stellar.
  • Competition. Ripple is generally considered to be Stellar’s biggest blockchain-based competitor, so check out our Ripple vs. Stellar comparison to find out how these two projects stack against each other.
  • Partnerships. Stellar’s most notable partnership has seen it join forces with tech giant IBM, but you can find more information about other partners on its site.

The main challenge for Stellar in the months and years ahead will be whether it can achieve widespread adoption. Thoroughly research the ins and outs of the Stellar network, its technology and its purpose so that you can make an informed decision about whether you should buy any XLM.

Find the cheapest way to buy Stellar

I want to pay withBank Transfer
Credit Card

and buy $ worth

Based on your answers, we recommend:

Coinbase and Binance.

        The final amount you’ll have varies depending on the price of the coin and any network transaction fees you incur.

        Although this purchase method is recommended, you can click the button below to view other available exchanges.View exchanges

        Frequently asked questions

        Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

        More guides on Finder

        Ask an Expert

        You are about to post a question on

        • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
        • is a financial comparison and information service, not a bank or product provider
        • We cannot provide you with personal advice or recommendations
        • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

        By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

        Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

        16 Responses

          Default Gravatar
          LLoydApril 9, 2018

          I have traded US $ for Bitcoin on Coinbase.
          I have established an account with Binance
          How do I transfer Bitcoin to Binance to buy XLM?

            Avatarfinder Customer Care
            JoshuaApril 10, 2018Staff

            Hi Lloyd,

            Thanks for getting in touch with finder.

            You got an interesting question there, Lloyd.

            If you wish to transfer your Bitcoin to Binance, you need the go to Coinbase and select accounts. Next, choose the cryptocurrency that you want to send from your wallets. Enter your Binance address and send your Bitcoin.

            Once you have your Bitcoin on your Binance, you can now use it to buy XLM. Using Binance is pretty straightforward. So, I would say you won’t have any trouble buying XLM with your Bitcoin.

            I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

            Have a wonderful day!


          Default Gravatar
          RayApril 2, 2018

          Hi. I Have some unwanted Bitcoin cash. How can I buy lumens with it?
          Where would I store the Lumens?

            Avatarfinder Customer Care
            JoshuaApril 2, 2018Staff

            Hi Ray,

            Thanks for getting in touch with finder.

            There are different ways you can buy lumens with your Bitcoin Cash.

            First, you can sell your Bitcoin Cash and turn them into fiat money. From there, you can use your fiat money to buy lumens.

            Second, you can find an exchange that allows you to buy lumen with Bitcoin Cash. We also have a page where you will find exchanges that handle Bitcoin Cash.

            Third, buy products with your Bitcoin Cash and then sell your purchased product for fiat money. From there, you can again use your fiat money to buy lumens.

            I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

            Have a wonderful day!


          Default Gravatar
          RickFebruary 7, 2018

          By digital wallet, can I use my laptop or do I have to use my cell phone?

            Avatarfinder Customer Care
            JhezFebruary 16, 2018Staff

            Hi Rick,

            Thank you for your comment.

            With digital wallets, you can actually use both a computer (laptop/desktop) and a cellphone (smartphone). Either way, you have to make sure to follow the standard security best practices when using these devices. I would encourage you to learn more about cryptocurrency wallets including, its types, how it works and even comparative wallets available in the network.

            Hope this helps.


          Default Gravatar
          JeffJanuary 27, 2018

          How do I transfer XLM lumens from Binance to one of your wallets?

            Avatarfinder Customer Care
            JoshuaJanuary 27, 2018Staff

            Hi Jeff,

            Please note that we are not the developers of the wallets we feature on our site.

            To transfer XLM lumens from Binance to a wallet, you need to have your wallet’s address, copy that, and paste it on Binance. The entire process can vary from one wallet to another.

            It would also be helpful if you read our guide on Binance.

            I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

            Have a wonderful day!


          Default Gravatar
          JamesJanuary 27, 2018

          In Binance it doesn’t give you the option to setup your bank account. If I ever decide to sell stellar how do I get the funds? I don’t want to exchange it back to bitcoin because I will loose money.

            Avatarfinder Customer Care
            JoshuaJanuary 27, 2018Staff

            Hi James,

            To sell Stellar, you can find someone who wants to pay you with fiat money. You can just send your bank account details for that person to pay them and simply transfer your Stellar via Binance.

            Another way for you to sell Stellar is to find an exchange that supports the coin that you have. You must also see to it that the exchange allows you to sell bitcoins. Generally, if the exchange allows you to sell, they would ask for your bank account info so the exchange can forward your money to your bank.

            Alternatively, you can use other wallets or exchanges that allow you to set up your bank account. You will find out more about that by reviewing our table found under the subheading, “Exchanges where you can buy or sell crypto with USD.”

            I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

            Have a wonderful day!

            Joshua Infantado

        Go to site