How to Buy Stellar (XLM) in 4 Easy Steps

Price updated 3 mins ago

Quick Answer:

You can buy Stellar and have it in your wallet in less than one hour in 4 simple steps:

  1. Find the best exchange that sells Stellar.
  2. Register a new account.
  3. Fund your account.
  4. Buy Stellar.

These steps are simple if you know where to buy Stellar cryptocurrency -- but knowing where to buy is the hard part.

Many cryptocurrencies are only offered on less well-known exchanges, and finding the best place to buy Stellar (XLM) and then figuring out if that exchange is trustworthy is more than most people - even experienced crypto traders - can handle!

We've done all the hard research for you. Let's get started.

Step 1Find the Best Stellar Exchange

Ultimately, doing your own research in crypto is the best way to learn the processes of moving your money, finding promising investment opportunities, and buying and selling cryptocurrencies.

We have done years of work to make this as simple as possible for you.

Why You Should Trust Our Recommendations


We started with 346 crypto exchanges.

We start by evaluating our comprehensive list of 346 exchanges that we have spent 7+ years and 600+ hours gathering data on.




of these exchanges sell Stellar.

We then filter down the entire set of possible marketplaces to only the ones that have active XLM markets.




of these exchanges have $100m in daily trade volume.

We then remove any exchanges that don't have adequate trading volume to make buys and sales of all sizes.




remaining exchanges received a 7/10 Trust Score.

We give each exchange a trust review rating using history, longevity, proof of reserves, and reputation.


Apply our editorial review process to rank the remaining exchanges.

We manually review the remaining candidates to declare a winner.

The Winner is Coinbase

VISIT Coinbase Read Review
Reasons we ♥ Coinbase
Low fees
Educational incentives
Quick withdrawals
Bank Transfer (ACH)
Debit Card
Wire Transfer
Apple Pay
Google Pay
SGD Transfers
3D Secure Card UK
Easy Bank Transfer UK
Faster Payments UK
Instant Card Cashouts UK
PayPal UK

Step 2Register Your New Account

  1. Prepare Personal Information: Collect your personal details, including your name, address, and documents for identity and address verification.
  2. Create an Account: Visit the Coinbase Pro website, click "Sign Up," and provide your name, email address, and country of residence. Then, create a secure password and, if desired, set up two-factor authentication with your phone number.
  3. Agree to Terms: Read and agree to the user agreement and privacy statement.
  4. Verify Identity: Complete a two-step identity verification process by uploading a government-issued ID (passport, driver's license, or national ID card) and taking a selfie to confirm the validity of the photo ID.
  5. Wait for Approval: Wait for Coinbase Pro to review and validate the documents, which can take up to 48 hours, followed by immediate account verification upon approval​​.

Step 3Fund Your Account

Once you have registered or logged in to your account at , there are several funding methods you can use to buy Stellar cryptocurrency.

You can buy Stellar on using:

Please select listing to show.

  • Bank Transfer (ACH) 3-5 business days processing time
  • Debit Card Instant processing time
  • Wire Transfer 1-3 business days processing time
  • Paypal Instant processing time
  • Apple Pay Instant processing time
  • Google Pay Instant processing time
  • SEPA 1-3 business days processing time
  • EFTCAD 3-4 business days processing time
  • Interac Instant processing time
  • SGD Transfers 2-3 business days, Same day for a fee processing time
  • 3D Secure Card UK Instant processing time
  • Easy Bank Transfer UK Less than 2 hours processing time
  • Faster Payments UK 1-3 business days processing time
  • Instant Card Cashouts UK Instant processing time
  • PayPal UK Instant processing time

Step 4Buy Stellar (XLM)

After registering and funding your account at , you should be able to buy Stellar after your deposit finishes processing. After you receive your XLM, make sure to secure it and follow best security practices to avoid losing it scams or hacks.

Best Stellar Exchanges

Stellar is also available on these exchanges:

Frequently Asked Questions

Yes, Stellar is safe to buy. It is listed for trade on some of our top-rated exchanges including Binance, Zengo, Coinbase, Kraken, KuCoin, Bybit, OKX,, BingX.

You can buy Stellar instantly at Binance, Zengo, Coinbase using their instant buy feature or a credit card.

Yes you can buy less than one (1) XLM. Cryptocurrencies in general are divisible to 16 decimal places.

To buy Stellar, you will need to deposit funds into your exchange account - which usually has no fees - and then buy XLM, which will incur a trading or purchase fee; usually 0.1-3% depending on the exchange.

You can buy $1 of Stellar at Binance, Zengo, Coinbase.

Stellar Investment & Buying Guide

Diving into the world of Stellar, you’re about to uncover the unique facets of a platform that’s more than just a cryptocurrency. It’s a comprehensive financial system designed to bridge the gap between traditional banking and the digital currency space. Stellar’s native currency, Lumens (XLM), plays a pivotal role in this innovative network.

With its promise of lightning-fast transactions and minimal fees, Stellar stands out as a game-changer for cross-border payments. You’ll find that its focus on accessibility and financial inclusion sets it apart, making it a fascinating subject for any crypto enthusiast’s research.

As you explore Stellar, you’ll gain insights into how it’s carving a niche for itself in a crowded market, striving to revolutionize the way we think about money transfer and digital economy. Get ready for a deep dive into Stellar – a cryptocurrency with a mission.

What is Stellar Cryptocurrency?

Stellar is a network driven by a vision of financial inclusivity, offering a robust platform for facilitating transactions across borders. It isn’t just a cryptocurrency; it’s a comprehensive financial infrastructure designed to work alongside existing monetary systems. Utilizing its native digital currency, Lumens (XLM), Stellar operates as a decentralized protocol for a multitude of financial operations, making it an integral piece of the modern digital economy. Users can quickly create, send, and trade various types of currency, including fiat and digital assets, leveraging Stellar’s versatile platform.

How Does Stellar Compare to Other Cryptocurrencies?

Stellar stands out for its low transaction costs and swift processing times, addressing common pain points in the crypto space. Its unique consensus protocol, the Stellar Consensus Protocol (SCP), distinguishes it from typical Proof of Work and Proof of Stake mechanisms, enabling faster and more energy-efficient transactions. Accessibility and scalability are other stellar features; the platform makes it easy for individuals and institutions to participate in the global economy.

Unlike other cryptocurrencies that focus solely on value storage and transfer, Stellar’s vision goes beyond. It aims to become a bridge between traditional banking systems and new-age digital currencies, addressing the needs of unbanked populations worldwide. Stellar’s cooperation with banks and financial institutions marks a significant departure from the general trend among cryptocurrencies, which typically distance themselves from conventional banking structures.

Stellar’s governance and compliance measures provide an additional layer of trust and legitimacy. In a field where regulatory scrutiny is intensifying, Stellar’s commitment to legal compliance positions it favorably for long-term growth and adoption. By focusing on creating partnerships and enabling financial systems to interoperate, Stellar paves the way for a more interconnected and efficient future for both fiat and digital currencies.

The Stellar network’s capability to issue tokenized assets makes it an ideal platform for businesses looking to leverage blockchain technology for a variety of use cases. This functionality expands its reach beyond simple currency transfers, allowing for the development of complex smart contracts and applications. Stellar’s growth and innovation continue to attract a diverse range of developers and entrepreneurs, looking to build on a stable and user-friendly platform.

Stellar History & Growth

Stellar was born out of a vision to make financial services accessible to all. It was co-founded by Jed McCaleb and Joyce Kim in 2014 after McCaleb’s departure from Ripple.

In its early days, Stellar focused on securing partnerships to expand its reach. IBM’s blockchain project, World Wire, adopted Stellar as its base currency in 2017, significantly boosting the platform’s credibility.

As of 2021, Stellar had over 5 million accounts, showcasing rapid user growth. In the same year, Ukraine announced a partnership with Stellar Development Foundation to develop a digital currency.

Stellar’s network upgrades have consistently enhanced its performance and security. Its protocol 15 upgrade in November 2020 introduced new features for user-friendly peer-to-peer transactions.

The platform’s expansion is reflected in the increasing number of assets and anchors. These anchors serve as bridges between different currencies and the Stellar network, facilitating seamless transactions across the globe.

Continued innovation and strategic collaboration keep Stellar at the forefront of blockchain financial solutions. Its persistent quest to connect the unbanked makes it not just a technology but a movement in the world of finance.

Buying Stellar with Different Payment Methods

Buying Stellar with a Credit Card

You can purchase Stellar Lumens (XLM) with a credit card through various cryptocurrency exchanges. Many platforms offer instant purchases but be aware of potential high fees and interest rates charged by your credit card issuer for crypto transactions.

Buying Stellar with a Debit Card

Buying XLM with your debit card is also widely supported on multiple exchanges. It’s a direct way to invest, often involving lower fees than credit card purchases, and doesn’t accrue interest.

Buying Stellar with Apple Pay

Some services allow you to link your Apple Pay for convenient XLM acquisitions. It’s a quick, secure method; however, availability may be restricted based on geographic location.

Buying Stellar with PayPal

PayPal has integrated crypto purchases, including Stellar, on its platform, offering an easy-to-use interface. Remember that availability varies by region, and transaction fees should be considered.

Buying Stellar with a Bank Transfer

Bank transfers are one of the most common methods to buy Stellar Lumens due to lower fees and higher purchase limits. The trade-off is slower transaction times compared to other payment options.

Keeping Your Stellar Safe

After acquiring Stellar Lumens (XLM), it’s critical to ensure their security. Let’s delve into the types of wallets that can help you keep your Stellar safe.

Software Wallets

Software wallets are applications you can download to your smartphone or desktop. They provide a balance between convenience and security for everyday use. You’re in control of your private keys, which means you have full access to your Stellar Lumens. However, because they’re connected to the internet, they are vulnerable to hacking. It’s essential to choose software wallets that have robust security measures in place.

Hardware Wallets

Hardware wallets are physical devices that store your cryptocurrency offline. They are considered the gold standard for security. To complete transactions, you must connect the hardware wallet to the internet, keeping your private keys isolated from online threats. Leading hardware wallet brands like Ledger and Trezor have support for Stellar Lumens, ensuring your investment is secure. Remember, even though hardware wallets are less convenient for quick transactions, they offer superior protection against cyber attacks.

Selling & Withdrawing Stellar

Turning your Stellar Lumens (XLM) into cash is straightforward. Locate a trustworthy exchange that supports XLM and offers withdrawal options that match your needs. Verification processes on these platforms ensure the security of transactions and compliance with regulatory requirements.

Most exchanges offer a direct path to sell XLM for fiat currencies like USD, EUR, or GBP. You’re likely to find different withdrawal methods such as bank transfer, PayPal, or even a check. Withdrawal times can vary based on the method you choose; bank transfers may take 1-5 business days.

Select the best time to sell your XLM by tracking market trends and price data. Fees for selling and withdrawing your XLM vary across exchanges; compare these costs beforehand to maximize your returns.

Always initiate transfers during off-peak hours to avoid delays. Exchanges with a high liquidity will facilitate quicker sales and withdrawals of Stellar Lumens. Remember to keep an eye on the minimum withdrawal amount and any network fees that may apply.

Is Stellar a Good Investment?

Many investors are drawn to Stellar for its fast transaction speeds and low costs. Stellar’s network processes transactions in 2-5 seconds, at a fraction of a cent per transaction.

IBM’s World Wire, which uses Stellar’s blockchain, signifies strong enterprise backing. This partnership showcases Stellar as a blockchain with real-world utility.

Diversification is key in any investment portfolio. Including assets like Stellar may help reduce risk through diversification.

Stellar focuses on cross-border payments and has positioned itself in an emerging market. As global transactions increase, Stellar’s relevance may potentially grow.

The price of Stellar has experienced significant fluctuations. This volatility underscores the importance of risk assessment and mitigation in your investment strategy.

Always conduct thorough research or consult a financial advisor. Experts can provide tailored advice that considers your individual financial situation and goals.

Stellar Price Predictions

When looking at Stellar price predictions, you’ll find a wide range of forecasts. Experts base their predictions on complex analyses, including past price movements, market trends, and the overall crypto economy state. Historical data shows that Stellar has experienced significant fluctuations, which suggests that future prices could continue to be volatile. Technical analysis, a popular method among traders, uses price charts to identify patterns and predict future movements.

Consider market sentiment as it can greatly influence Stellar prices. Positive news regarding partnerships or technological advancements can lead to price spikes, whereas negative news can cause declines. Check the Fear and Greed Index; it’s often used as a gauge for market sentiment in the crypto world.

Look for long-term trends, which might be more reliable than short-term predictions. Many believe that as blockchain technology becomes more integrated into financial systems, Stellar’s role in enabling cross-border payments could become increasingly valuable. Be aware that while long-term forecasts can provide a general direction, they’re not guaranteed.

To refine your Stellar investment strategy, it’s essential to monitor current events and industry developments. For instance, regulatory changes in the crypto space can have immediate and long-term effects on prices. Your research should include staying updated with Stellar developments and how they align with the evolving crypto regulatory landscape.

Keep in mind, though, that while predictions can be helpful, they shouldn’t be the sole basis of your investment decision. It’s smart to diversify your portfolio to mitigate potential losses in such a rapidly evolving market. Stellar’s performance should be considered alongside other assets to maintain a balanced investment approach.

Remember, investing in cryptocurrencies like Stellar Lumens comes with its risks, and it’s crucial to always do your due diligence before making a commitment. Stay informed by following verified crypto analysts and keeping an eye on the market pulse through reputable financial news platforms.

Additional Info

Navigating the Stellar marketplace requires a blend of savvy purchasing strategies and secure storage solutions. Your understanding of the various payment options and wallet types equips you with the tools to manage your XLM effectively. As you consider Stellar’s place in your investment portfolio, remember the importance of staying informed about market trends and technological advancements. The partnership with IBM’s World Wire and Stellar’s potential in revolutionizing cross-border payments offer promising avenues for growth. Yet, the volatile nature of cryptocurrencies like Stellar calls for a careful approach. By diversifying your investments and keeping an eye on long-term trends, you’ll be better positioned to weather the market’s ups and downs. Always prioritize due diligence and perhaps seek expert advice to tailor your investment strategy to your financial goals. With these insights, you’re ready to make informed decisions in the dynamic world of Stellar and cryptocurrency investing.

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