How to buy Stellar (XLM)

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Uphold - Digital Asset Platform

Trade XLM and 273 other cryptos.
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Stellar (XLM) is the 19th largest cryptocurrency by market cap, valued at US$8,232,738,156.

Stellar is a highly volatile asset capable of major price swings in a single day. Today the price of XLM is $0.265889, which is lower than yesterday's trading price of $0.2822105932. Over the past year, Stellar's price has seen an increase of 205%.

So before you buy Stellar, make sure you understand these unique risks as well as its legal and tax status here in the US.

If you're ready to get started, read on for step-by-step instructions on how you can buy Stellar.

How to buy Stellar in 5 steps

The whole process can take as little as 15 minutes and all you'll need is a smartphone or computer, an internet connection, photo identification and a means of payment.

Compare crypto exchanges
The easiest way to buy Stellar is from a cryptocurrency exchange. Comparing in the table below lets you find one with the features you want such as low fees, ease of use or 24-hour customer support.
Create an account
To create an account on an exchange, you will need to verify your email address and identity. Have some photo ID and your phone ready.
Make a deposit
Once verified, you can deposit USD using the payment method that best suits you – cryptocurrency, bank and card payments are widely accepted.
Buy Stellar
You can now exchange your funds for Stellar. On beginner-friendly exchanges, this is as simple as entering the USD or XLM amount you want to purchase and clicking "buy".
Secure your Stellar
Consider transferring your XLM to a personal crypto wallet to protect against some of the risks of keeping it on an exchange, such as hacks, scams or platform bankruptcy.

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

Where to buy Stellar

Find an exchange to buy, sell and trade XLM by comparing deposit methods, supported fiat currencies and fees. Select Go to site to sign up directly with the exchange.

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Product	Finder Score	Fiat currencies	Cryptocurrencies	Deposit methods	Offer	Disclaimer
8.6Great Uphold - Digital Asset Platform	8.6Great	27	253	Bank transfer (ACH), Bank transfer, Credit card, Debit card, Wire, Apple Pay, Google Pay	Refer a friend to earn US$20 — $10 for you and $10 for the person you refer. T&Cs apply.	Terms apply. Cryptoassets are highly volatile. Your capital is at risk. Available in the US, CA, UK and AU	Go to site Capital at risk More info Compare product selectionCompare	loading
8Great Paybis Cryptocurrency Exchange	8Great	42	55	Bank transfer, Credit card, Debit card, Neteller	Finder Exclusive: Get 25% discount on all commission for 1 transaction when using promocode Finder25. There is no time limit on the validity of the promo code.	US residents: Restricted in the following states - NY, CT, NM, WA, HI, AL, VT, FL, AK, NV.	Go to site Capital at risk More info Compare product selectionCompare	loading
9Excellent Kraken Cryptocurrency Exchange Finder Award	9Excellent	7	404	Bank transfer, Credit card, Cryptocurrency, Debit card, SEPA, Instant SEPA, Apple Pay, Google Pay, SWIFT, ACH online banking	Go to site Capital at risk More info Compare product selectionCompare	loading
9Excellent Coinbase Digital Currency Exchange	9Excellent	23	271	Bank transfer (ACH), Debit card, PayPal, Wire transfer, Apple Pay, Google Pay	Get up to $200 in crypto with eligible purchases.	Go to site Capital at risk More info Compare product selectionCompare	loading
7.2Great eToro USA LLC Cryptocurrency Trading Finder Award	7.2Great	26	61	Bank transfer, Debit card, PayPal, Wire transfer	FINDER EXCLUSIVE: Get a guaranteed $15 bonus when you sign up and deposit $100	Crypto Trading is offered via eToro USA LLC (NMLS ID: 1769299). This entity is not a registered broker-dealer or FINRA member and your cryptocurrency holdings are not FDIC or SIPC insured. Investments are subject to market risk, including the possible loss of principal.	Go to site Capital at risk More info Compare product selectionCompare	loading

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Showing 5 of 9 results

What is Stellar?

Launched in 2014, Stellar Lumens is a cryptocurrency that aims to offer fast and affordable cross-border transactions. Its distributed payments network ensures that transactions are processed within 2 to 5 seconds, for a tiny fee, typically a fraction of a cent.

On launch, Stellar was intended to serve as a value-store and transaction method for the unbanked, allowing them to participate in traditional financial instruments that are otherwise inaccessible. However, Stellar's development team soon pivoted towards servicing financial institutions and allowing them to communicate with one another through blockchain technology.

Due to the extremely low transaction fees and high speeds, Stellar intends to disrupt current cross-border payment methods that are often slow and riddled with high fees, which becomes untenable for institutions which are making constant financial transactions.

Stellar is a hard fork of the Ripple (XRP) cryptocurrency. XLM is the native token of the Stellar network and operates as a bridge that can facilitate trades between two different currencies. It is also used to pay for transaction fees, which helps in preventing spam.

How do I find the best places to buy Stellar?

Cryptocurrency exchanges offer similar services, but differ in a few key ways – mainly fees, the range of cryptos available and payment methods. You can use our table to compare the features of popular cryptocurrency exchanges available in the US to help you choose the one that's right for you.

Some other factors you may want to consider are customer support, user reviews, ease of use and whether or not the exchange is registered with a local regulator. This information can be found by clicking on the exchange name in the table which will take you to its review page.

What will I need to buy Stellar?

To create an account on any cryptocurrency exchange you will need an email address. Some exchanges may also ask for a phone number and photo ID, so it's a good idea to have those ready.

An increasing number of cryptocurrency exchanges will ask to verify your identity before you can deposit funds and start trading Stellar.

This process is known as Know Your Customer (KYC) and usually requires photo ID and a webcam or smartphone. You may also need to prove your address by uploading a copy of a recent bank statement or utility bill.
Some exchanges allow you to deposit and trade cryptocurrencies without passing KYC, but they will not allow you to transfer local currency from your bank account. So if you are planning on purchasing XLM with your local currency then you will need to pass KYC.
Once you have verified your identity, it is a good idea to enable 2-factor authentication (2FA) before depositing any funds. This will increase the security of your account and help keep your funds safe.

What are the best ways to buy Stellar?

Once you've created an account, you will need to deposit funds to buy XLM with. You can either deposit local currency from a bank account or credit card, or transfer cryptocurrency from another exchange or wallet. Here are some popular ways to buy XLM:

Bank account: Transfers from local bank accounts are usually free, but you will need to double-check this with the exchange you choose – this information can be found in our table by clicking on 'view details'.
Credit or debit card: Linking a card to your account is another convenient way to top up your account, but be aware that it usually attracts an additional fee. An advantage, though, is that you can use a card to make instant purchases or set up a recurring purchase.
Cryptocurrency: You can usually purchase XLM by trading it for another cryptocurrency like Bitcoin or a stablecoin. This varies between exchanges though, so you will need to search for XLM on the spot market to see what cryptocurrencies it can be traded for.

What is the easiest way to buy Stellar?

The easiest way to buy XLM is by placing an 'instant buy' order to purchase it for a fixed price but not all crypto exchanges offer this feature.

Alternatively, you can open a trade on the spot market which allows you to set your own price – this is the most common way to purchase cryptocurrency. Using the instant buy feature is straightforward but typically more expensive than using the spot market.

Before buying XLM, you may want to check the market conditions. To help you decide if now is the right time to buy, you can take a look at our all-time high tool to get an idea of how the price of Stellar has been performing recently.

Best Stellar wallets to store your XLM

You can keep your XLM on the exchange you purchased it on, or move it to a personal wallet:

Some people like to use their own wallets to guarantee total ownership over their assets, or to use them with other applications like DeFi services.
Hardware wallets are typically considered to be the safest type of cryptocurrency wallet, as they use a physical device to enhance security in a number of ways. You can take a look at some of our top hardware wallet picks for self-custody of your XLM below.

Ledger Nano X Wallet	Trezor Model T Wallet	SafePal S1 Wallet


Go to site	Go to site
Supported assets 5,500+	Supported assets 1,000+	Supported assets 30,000+
Price (USD) $149	Price (USD) $129	Price (USD) $49.99

See more of the best crypto wallets

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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.

Is Stellar a good investment?

As with any investment, it is vital you understand the risks and potential upside of the asset before making any financial decision. With regards to XLM, here are a few things you should consider:

Ripple hard fork. If you're considering buying XLM, it's worth looking into its original form, Ripple, and comparing the two cryptocurrencies. XRP and XLM have different goals, however have a very similar function – providing extremely cheap and fast cross-border payments. Stellar has a greater eye on accessibility, being open-source and is more focussed on bridging the gap between crypto and fiat currencies. Some investors believe there is no space for both XRP and XLM to be mass-adopted, which makes it important to understand their differences in philosophy and function.
IBM Partnership. Stellar is one of the relatively few cryptocurrencies to focus on securing a long-standing partnership with tech or traditional finance companies. Together, IBM and Stellar created 'World Wire', a global payments system intended to rival the high fees of PayPal and other competitors.
ICO. 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. Stellar is just one of many protocols that offer this functionality, with Ethereum being a direct competitor.
Goals. Although Stellar has moved somewhat away from its altruistic vision to focus on financial institutions, assisting the unbanked and everyday user to acquire equal financial opportunity is still an important goal. However, this does mean it has less corporate and financial incentives, which could somewhat stunt the network's economic growth.

Today's Stellar price versus ATH

Compare today's price of Stellar ($0.265889 USD) against its all-time-high price of $0.875563 USD on 03 January 2018. The closer the bar is to 100%, the closer XLM is to reaching its ATH again.

Stellar's price: $0.265889
ATH date: January 03, 2018

30.37%

Stellar ATH: $0.875563

How to trade, convert or sell Stellar

You can convert or sell your XLM with the same exchange you bought it through:

Sign in to the exchange you have XLM on.
If you store your Stellar in a digital wallet, compare crypto exchanges to convert or sell it on.
Choose Sell or Convert and place a sell order.
Choose the amount of XLM you'd like to convert or sell.
Confirm the sell price and fees and close your sale of Stellar.
Complete your transaction and move your XLM to a wallet for storage.

Disclaimer: Cryptocurrencies, including Stellar, are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance of XLM 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 Stellar or any other cryptocurrency discussed.

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