Convert Stellar to NEAR Protocol (XLM → NEAR)

Swap XLM on Stellar to NEAR on NEAR in one step, without bridging it yourself. Powered by NEAR Intents.

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Swap XLM to NEAR

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XLM to NEAR rate today

1 XLM ≈ 0.0413 NEAR and 1 NEAR ≈ 24.2 XLM, based on market prices at 2026-10-06 11:04 UTC. The quote in the widget above is what you actually receive, fees included.

TokenPrice24h
Stellar (XLM)$0.2161N/A
NEAR Protocol (NEAR)$5.23N/A

Convert XLM to NEAR: how much you get

Indicative amounts at the market rate above, before network and protocol fees.

XLMNEAR
50 XLM2.07 NEAR
100 XLM4.13 NEAR
500 XLM20.66 NEAR
1,000 XLM41.32 NEAR
10,000 XLM413.23 NEAR
100,000 XLM4,132 NEAR
NEARXLM
1 NEAR24.2 XLM
5 NEAR121 XLM
10 NEAR242 XLM
50 NEAR1,210 XLM
100 NEAR2,420 XLM
500 NEAR12,100 XLM

How to convert Stellar to NEAR Protocol

The widget above is already set to XLM on Stellar → NEAR on NEAR. The whole swap runs in one flow through NEAR Intents:

Step 1: Choose how to pay
Connect a Stellar wallet such as LOBSTR or Freighter that holds your XLM. Or turn on Swap from external wallet to get a deposit address and QR code you can pay from any wallet or exchange; you then add an address on Stellar for refunds.

Step 2: Enter the amount and where to receive
Type how much XLM to swap and the NEAR address that receives the NEAR, from a NEAR wallet such as NEAR Mobile or Meteor. The widget shows how much NEAR you will receive, fees included, before you confirm.

Step 3: Confirm and send
Approve the transfer in your wallet, or send the amount to the deposit address. Once it confirms on Stellar, solvers fill the swap and the NEAR is sent to your address on NEAR. If the swap can't be filled, your XLM is refunded.

Prefer to keep a balance inside NEAR Intents? The Deposit tab adds XLM to it, Swap trades within it, and Withdraw sends tokens out to their own networks.

⚠ Important: receive on an address you control. If you send the NEAR to an exchange instead, check that it accepts NEAR on NEAR: some exchanges don't credit deposits that come from a smart contract.

About the XLM → NEAR swap

This is a cross-chain swap: your XLM leaves Stellar and NEAR arrives on NEAR. Normally that takes a bridge plus a DEX, or a centralized exchange account. With NEAR Intents the deposit, swap and withdrawal happen in one flow, and what lands in your wallet is NEAR on NEAR, ready to use there with no second bridging step.

Both XLM and NEAR float against the dollar, so the XLM/NEAR rate moves with two markets at once. Traders use this pair to rotate between ecosystems in a single step instead of selling to a stablecoin first.

About Stellar and NEAR Protocol

What is Stellar (XLM)?

Stellar is an open-source payments network that went live in 2014, co-founded by Jed McCaleb and Joyce Kim and supported by the non-profit Stellar Development Foundation. Lumens (XLM) are its native asset, and the network is built for moving value and issuing tokens such as stablecoins.

Type
Layer-1 payments network
Launched
2014
Consensus
Stellar Consensus Protocol (federated Byzantine agreement)
Max supply
About 50 billion XLM (no new issuance since 2019)
Swap network
Stellar
Stellar official site ↗

How Stellar works

Stellar uses neither mining nor staking. Validators run the Stellar Consensus Protocol, a federated Byzantine agreement in which nodes rely on sets of peers they trust, and the network reaches consensus in under six seconds. The ledger has a built-in exchange for issued assets and, since February 2024, Soroban smart contracts.

What XLM is used for

XLM pays transaction fees, from 100 stroops (0.00001 XLM) per operation, and covers the minimum balance every account must hold. Payment apps and ramp providers use Stellar to move stablecoins and local currencies across borders.

XLM supply

One hundred billion lumens were created at launch. A 1% yearly inflation added more until validators voted to end it on 28 October 2019, and in November 2019 the foundation burned about 55 billion of its own lumens, leaving roughly 50 billion XLM with no new issuance.

Before you swap XLM

A new Stellar account only exists once it holds 1 XLM (two base reserves of 0.5 XLM), and each trustline or other entry locks another 0.5 XLM. Exchanges usually require a memo on XLM deposits, but the withdrawal field here takes only an address, so withdraw to your own wallet unless the exchange offers a muxed address starting with M. When depositing XLM manually, include the memo shown with the deposit address.

What is NEAR Protocol (NEAR)?

NEAR Protocol is a smart contract platform co-founded by Illia Polosukhin and Alexander Skidanov, with its mainnet going live in 2020. The network focuses on usability, offering human-readable account names such as alice.near instead of long hexadecimal addresses. It is also the chain behind NEAR Intents, the cross-chain swap system that NEAR Mobile Swap uses.

Type
Layer-1 blockchain
Launched
2020
Consensus
Proof of Stake (Nightshade sharding)
Max supply
No fixed cap
Swap network
NEAR
Sector (Messari)
Smart Contract Platform
NEAR Protocol official site ↗Sector classification by Messari ↗

How NEAR Protocol works

Validators stake NEAR in a Proof of Stake system to produce blocks and confirm transactions. Nightshade sharding splits the network into parallel shards that process transactions side by side, which lets capacity grow as more shards are added.

What NEAR is used for

NEAR is spent on transaction fees and contract storage, and it is delegated to validators by holders who want staking rewards. Developers also use the chain for decentralized apps, AI agents and chain abstraction tools that operate across several blockchains.

NEAR supply

NEAR started with a genesis supply of one billion tokens and has no hard cap. New tokens are minted each epoch to reward validators, with the maximum annual inflation rate halved from 5% to 2.5% in October 2025, while at least 70% of every transaction fee is burned.

Before you swap NEAR

When withdrawing to NEAR, you can send to a named account (like name.near) or to a 64-character implicit account, so check you have the correct one. Keep a little NEAR in your wallet to cover gas and storage for future transactions.

Looking for the reverse?Convert NEAR to XLM →
More swaps:All XLM pairs →All NEAR pairs →

Swap XLM for other tokens

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BCH → NEARDASH → NEARMON → NEAROKB → NEARSTRK → NEARXPL → NEAR

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XLM to NEAR: frequently asked questions

What to know before swapping Stellar for NEAR Protocol

Use the widget on this page, already set to XLM on Stellar → NEAR on NEAR: connect your wallet or pay by QR code, enter the amount and your NEAR address, and confirm. NEAR Intents swaps it and sends the NEAR to that address in one flow, and the widget shows the exact amount you will receive before you confirm.