Stellar Lumens: How to buy, sell or trade XLM in the US | finder.com
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How to buy, sell or trade Stellar Lumens (XLM)

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

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.

Buy Stellar Lumens (XLM) on Binance

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Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Quick guide: How to buy Stellar Lumens (XLM)

If you live in the US, you won’t find a cryptocurrency exchange offering Stellar Lumens for direct purchase.

  1. Register for an account with an exchange like Coinbase. Skip to Step 5 if you’re looking to exchange existing cryptocurrency for XLM.
  2. Enable two-factor authentication on your Coinbase account and verify your account.
  3. Add a payment method and buy either bitcoin or Ether on Coinbase.
  4. Register for an account with an exchange like Binance.
  5. Enable two-factor authentication on your Binance account.
  6. Copy the address of the Binance wallet containing the coin you’re looking to exchange for XLM.
  7. On Coinbase, withdraw from your account the coin you’ve just purchased and send it to your Binance wallet address.
  8. On Binance, exchange your coin for Stellar Lumens.

Go to Binance's website

This is a 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 Supported Cryptocurrencies
Cryptocurrency
BTC, XRP, USDT, ETH, NEB, XVG, TRX, NEBL, ETH, NEO, FUN, ETC, BCC, POE, DASH, ELF, ICX, BNB, ZRX, APPC & 80+ more
Trade an extensive range of reputable coins on this world-renowned exchange, popular for its high liquidity and multi-language support.
Bank transfer (ACH)
Cash
Credit card
Cryptocurrency
Wire transfer
AUD, USD, GBP, EUR, JPY, SGD, HKD & 40+ more
BTC, BCH, ETH, XRP, ETC, LTC, XLM, ADA, BTG, TRX, REP, BAT, DASH, DGB, DOGE, GNT, LSK, XMR, XEM, NEO, OMG, QTUM, SNT, STRAT, TRX, XVG, VTC, ZEC, ZRX
Buy and hold 28+ cryptocurrencies and more than 50 different fiat currencies in this all-in-one wallet and exchange app.
Credit card
Cryptocurrency
Debit card
Bank transfer (SEPA)
SWIFT
USD, EUR, RUB, GBP
BTC, DASH, ETH, XRP, ZEC, XLM
Use your USD, EUR or RUB to buy and sell cryptocurrency at competitive exchange rates and with high maximums for verified accounts.
Credit card
Cryptocurrency
USD
BTC, BCH, MIOTA, XVG, NEO, ADA, XRP, TRX, ONT, ZIL, GAS, LTC, ZRX, QTUM, ETH, ETC, VET, ICX & 300+ more
CoinSwitch allows you to compare and convert over 250 cryptocurrencies across all exchanges.
Huobi Cryptocurrency Exchange
Cryptocurrency
-
BTC, ETH, HT, LTC, PAI, BCH, XRP, DASH, IOST, EOS, TRX, ETC, OCN, ONT, ELF, ABT, CMT, ELA, ZEC, XZC, OMG & 75+ more
Huobi is a digital currency exchange that allows its users to trade more than 190 cryptocurrency pairs.
Kraken Cryptocurrency Exchange
Electronic Funds Transfer
Bank transfer (SEPA)
Wire transfer
USD, EUR, GBP, JPY, CAD
BTC, BCH, ETH, ADA, QTUM, ETC, XMR, DASH, LTC, XRP, XLM, REP, MLN, ZEC, USDT, GNO, EOS
Exchange multiple cryptocurrencies through a range of payment methods, including Electronic Funds Transfer, SEPA or Wire Transfer.
Bittrex Digital Currency Exchange
Cryptocurrency
Wire transfer
USD
BTC, ETH, BOXX, XVG, SC, XRP, DOGE, STRAT, XMR, ADA, OMG, ETC, BCC, XLM, DGB, UKG, QTUM, ZCL, RDD, LTC, NEO, XRP, TRX, ZEC & 120+ more
Buy from one of the largest cryptocurrency exchanges with a selection of over 190+ cryptocurrencies and 3 USD pairings.
Credit card
Debit card
USD, EUR
BTC, BCH, ETH, XMR, ZEC, DASH, XRP, ETC, LTC, DOGE, XLM,1ST, ADX, AMP, ANT, BAT, BCN, BNT, BTG, CFI, CVC & 70+ more
Access competitive crypto-to-crypto exchange rates for more than 35 cryptocurrencies on this global exchange.
Poloniex Digital Asset Exchange
Cryptocurrency
-
BTC, ETH, XRP, DOGE, XLM, ETC, STRAT, LTC, SC, DGB, BCH, LSK, XMR, LOOM, BAT & 50 more
Trade various coins through a global crypto to crypto exchange based in the US.
Stellarport Exchange
Cryptocurrency
-
XLM, BTC, BCH, USDT, OMG, ZRX, KIN, MOBI & more
Stellarport taps into the Stellar Decentralised Exchange to provide buyers and sellers with access to XLM and various other cryptocurrencies.

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 Supported Cryptocurrencies
Credit card
Debit card
AUD, USD, EUR, GBP, CAD, CNY & 50+ more
BTC, BCH, ETH, LTC, ETC, ZRX, BAT
Get US$10 in free bitcoin when you buy US$100 or more of any crypto. T&Cs apply.
Buy and sell major cryptocurrencies on one of the world's most renowned cryptocurrency exchanges.
Cash
Credit card
Debit card
Bank transfer (SEPA)
USD, EUR
BTC, ETH, ETC, BCH, LTC, ADA, QTUM, XRP
Buy coins like Bitcoin, Ethereum, Ripple, Litecoin and Bitcoin Cash with credit card.
YoBit Cryptocurrency Exchange
AdvCash
Cryptocurrency
Payeer
Perfect Money
USD, RUB
BTC, BTG, DASH, ETH, LTC, DOGE, WAVES, LSK, BCC, TRX, ABYSS, PAC, ZEC, XVG, EOS, ETC, RDD, TOKC, B2X, TTC & 400+ more
Pay in USD, RUB or trade crypto to crypto at this Russian-based cryptocurrency exchange with hundreds of coins listed.
LocalBitcoins P2P Exchange
BPAY
Cash
Credit card
Cryptocurrency
Debit card
Flexepin
iDEAL
Neosurf
Neteller
PayPal
Perfect Money
Bank transfer (SEPA)
SWIFT
Western Union
AUD, USD, EUR, GBP, CAD, CNY & 50+ more
BTC
Trade fiat currency for bitcoin in person or online with this peer-to-peer exchange offering competitive fees and wide delivery options.
Credit card
Debit card
USD, EUR
BTC, BCH, ETH, XMR, ZEC, DASH, XRP, ETC, LTC, DOGE, XLM,1ST, ADX, AMP, ANT, BAT, BCN, BNT, BTG, CFI, CVC & 70+ more
Access competitive crypto-to-crypto exchange rates for more than 35 cryptocurrencies on this global exchange.
Bittrex Digital Currency Exchange
Cryptocurrency
Wire transfer
USD
BTC, ETH, BOXX, XVG, SC, XRP, DOGE, STRAT, XMR, ADA, OMG, ETC, BCC, XLM, DGB, UKG, QTUM, ZCL, RDD, LTC, NEO, XRP, TRX, ZEC & 120+ more
Buy from one of the largest cryptocurrency exchanges with a selection of over 190+ cryptocurrencies and 3 USD pairings.

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

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. Stellar.org 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 Stellar.org 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 with

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

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        16 Responses

        1. 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?

          • finder 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!

            Cheers,
            Joshua

        2. 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?

          • finder 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. On this page, 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.

            Please go to this page to learn more about Bitcoin cash.

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

            Have a wonderful day!

            Cheers,
            Joshua

        3. Default Gravatar
          RickFebruary 7, 2018

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

          • finder Customer Care
            JhezelynFebruary 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 check this page to learn more about cryptocurrency wallets including, its types, how it works and even comparative wallets available in the network.

            Hope this helps.

            Regards,
            Jhezelyn

        4. Default Gravatar
          JeffJanuary 27, 2018

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

          • finder 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 here.

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

            Have a wonderful day!

            Cheers,
            Joshua

        5. 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.

          • finder 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!

            Cheers,
            Joshua Infantado

        6. Default Gravatar
          RainmanJanuary 26, 2018

          I am new to crypto. How do I purchase Stellar (XLM)?
          thank you

          • finder Customer Care
            JhezelynJanuary 30, 2018Staff

            Hi Rainman,

            Thank you for your comment.

            There is no cryptocurrency exchange offering XLM for direct purchase yet. To buy this, you check our guide here on how to buy XLM.

            Before you start trading, you should know first the ins and outs of cryptocurrency. You can check out our page here to check how this works.

            Regards,
            Jhezelyn

        7. Default Gravatar
          LarryJanuary 12, 2018

          I would like to invest $500 U S in Stellar for future growth. Is this to small an amount? The Exchanges listed say payment by cryptocurrency which I don’t have. So how can I proceed?

          • finder Customer Care
            JoanneJanuary 13, 2018Staff

            Hi Larry,

            Thanks for reaching out.

            In the US there isn’t a cryptocurrency exchange offering Stellar Lumens for direct purchase.

            You can buy Bitcoin or Ether through a cryptocurrency exchange, after your bitcoin or Ether hits your digital wallet, you can transfer them to an exchange offering stellar.

            The page above has the list of exchanges where you can buy bitcoin or Ether and the list of exchanges that supports XLM.

            Cheers,
            Joanne

        8. Default Gravatar
          MikeDecember 14, 2017

          I want to add 1000 to invest in Steller, how do I do this?

          • finder Customer Care
            MayDecember 25, 2017Staff

            Hi Mike,

            Thank you for your inquiry.

            If you are looking at investing, you can start purchasing Stellar Lumens (XLM) via the exchanges (listed in the table above). You would also need to sign up for a Stellar Wallet (Stellar supported wallets are also listed above) as well to store your token.

            Please also note of the possible risk associated with all digital currencies, including complete loss of value. Moreover, before purchasing Lumens, it’s is encouraged that you consult the Consumer Advisory brief by the Consumer Financial Protection Bureau (CFPB) on the potential risks associated with digital currencies.

            Hope this helps.

            Cheers,
            May

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