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Live XLM/USD market price
Free Stellar Wallet with Built-In Banking
Stellar Lumens (XLM) power the Stellar network, a payments-focused ledger used for remittances and for issuing stablecoins like USDC. Create your free Anytime wallet and buy BTC, LTC, USDT, XLM, and more using Apple Pay, card, bank transfer or another available method.
XLM Price
$0.190404
24h Change
+2.18%
24h Volume
$180.71M
Market Cap
$6.62B
Stellar wallet
Your XLM — Fully Under Your Control
Stellar Lumens (XLM) power the Stellar network, a payments-focused ledger used for remittances and for issuing stablecoins like USDC. With Anytime Capital, your Stellar is secured by your own private keys — not held by any exchange or custodian.
- ✓Self-custody XLM storage
- ✓Send & receive on Stellar
- ✓Confirms in 3–5 seconds
- ✓Buy BTC, LTC, USDT, XLM, and more
- ✓Convert to USD cash account
What Is a Stellar Wallet?
A Stellar wallet is software that holds the private keys controlling your XLM on Stellar and lets you send, receive and store it. Stellar Lumens (XLM) power the Stellar network, a payments-focused ledger used for remittances and for issuing stablecoins like USDC. XLM is the native coin of its own blockchain, launched in 2014, so the wallet you use has to speak Stellar — the address format, fees and confirmation times on this page are Stellar's.
Anytime Capital gives you a free, non-custodial Stellar wallet: your keys are generated on your device and never leave it, so no exchange, custodian or even Anytime Capital can freeze or move your XLM. There are no monthly fees; you pay only Stellar's own network fee when you send.
The difference from a standalone XLM wallet is what surrounds it. You can buy BTC, LTC, USDT, XLM, and more into the same wallet using Apple Pay, a debit or credit card, or a bank transfer, convert to US dollars in your Anytime Capital cash account, and spend the balance with your Mastercard® — all from one dashboard.
Step by step
How to Use Your Free Stellar Wallet
How to Create a Free Stellar Wallet
- 1Sign up for a free Anytime Capital account and verify your email — it takes a couple of minutes.
- 2Set up passkey security (Face ID, Touch ID or your device PIN). Your XLM keys are generated on your device, not our servers.
- 3Open your wallet dashboard — your Stellar address is ready to use straight away, with no monthly fees.
How to Receive XLM
- 1Open your wallet, choose Stellar and tap Receive to show your Stellar address and QR code.
- 2Share the address (Starts with G and is 56 characters long (e.g. GBRP…)) or let the sender scan the QR code. Exchanges and some services require a memo. Sends to your own Anytime Capital address do not.
- 3Funds appear after the network confirms — about 3–5 seconds on Stellar.
How to Send XLM
- 1Tap Send, choose XLM, and paste the recipient's Stellar address or scan their QR code.
- 2Enter the amount and review the network fee before you confirm. Stellar fees are a fixed 0.00001 XLM per operation. A small minimum balance of XLM is reserved on every account.
- 3Confirm to sign on your device and broadcast to Stellar. On-chain transfers are final once confirmed, so double-check the address.
Stellar Network Fees, Explained
Your Anytime Capital Stellar wallet has no monthly fees, no setup fees and no charge to receive XLM. The only unavoidable cost is Stellar's own transaction fee when you send on-chain, which is set by the network — not by us. Stellar fees are a fixed 0.00001 XLM per operation. A small minimum balance of XLM is reserved on every account.
Stellar settles in 3–5 seconds with a fixed fee of 0.00001 XLM per operation, one of the lowest of any major network. Your wallet shows the exact network fee before you confirm any send, so there are never surprises, and you can buy BTC, LTC, USDT, XLM, and more with Apple Pay, card or bank transfer whenever you want to add to your balance.
See our fees & limits and processing times pages for platform-wide details.
How Your XLM Stays Safe
Every transaction is signed locally on your device — your private keys are never transmitted to our servers. Your wallet is protected by passkey authentication (biometrics, not passwords), encrypted backups and 256-bit encryption. Every Stellar account keeps a minimum balance of 1 XLM (plus 0.5 XLM per asset held) as a reserve.
Anytime Capital is a FinCEN-registered Money Services Business operating under US compliance obligations, with OFAC screening on platform activity. Self-custody means you can export your keys and take your XLM anywhere, anytime — they're yours. Circle issues USDC natively on Stellar, and MoneyGram's cash on/off-ramp for USDC runs on the network.
Comparing Stellar wallets?
See how Anytime Capital stacks up against Trust Wallet on custody, banking, and cash-out options.
One wallet, every major asset
Buy BTC, LTC, USDT, XLM, and more — straight into your wallet
Create your free Anytime wallet once and buy XLM or any of these with Apple Pay, a debit or credit card, a bank transfer or another available payment method.
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Free XLM
Looking for Free XLM? Start Here
The wallet is free. Getting XLM into it takes one of three routes — pick the one that matches what you came for.
1. Create a free XLM wallet
A non-custodial Stellar wallet with no monthly fees, no setup fees and no minimum balance. Your keys stay on your device.
Open free wallet2. Buy XLM with a payment method you already have
Buy BTC, LTC, USDT, XLM, and more with Apple Pay, a debit or credit card, a bank transfer or another available method — delivered to your Anytime Capital wallet.
Buy XLM now3. Know where free XLM really comes from
Legitimate free tokens exist — and so do giveaway scams built to empty the wallet you just opened. The short version is below.
Read the guideLegitimate ways people get XLM without buying it
- Getting paid in it. Freelancers, remote workers and merchants increasingly invoice in crypto. Your Stellar wallet address is what you give a client or customer to receive XLM.
- Airdrops from projects you already use. Protocols occasionally distribute tokens to existing users. Real airdrops never ask you to send funds first or to enter a seed phrase.
- Exchange and card rewards. Some platforms pay sign-up bonuses or cashback in crypto. Read the terms — most require a verified account and a first purchase.
- Staking or holding rewards. Where a network pays holders for securing it, rewards arrive as more of the coin. They are earned on coins you already hold, not given to new wallets.
How "free XLM" scams work
- "Send 1, get 2 back." A giveaway that asks you to send XLM first is theft. Nothing comes back.
- "Claim your airdrop — enter your seed phrase." Your 12 or 24 words are your wallet. Anyone who has them owns your XLM. No legitimate service ever asks for them.
- "Connect your wallet to claim." A malicious site can ask your wallet to approve a transaction that drains it. Read every approval before you sign.
- "Free XLM mining app." Apps that "mine" XLM on your phone and then charge a withdrawal fee never pay out.
If something has already gone wrong, our fraud notice explains what to do next.
Ready to load your wallet?
Buy Stellar Directly Into Your Wallet
Purchase XLM instantly using Apple Pay, your debit or credit card, a bank transfer or another available method — all within the Anytime Capital app.
Everything Your Stellar Wallet Can Do
Non-Custodial
Your keys, your coins. We never hold your assets.
Send & Receive
Instant transfers to any wallet address worldwide.
Swap Assets
Exchange between supported assets at live market rates.
QR Code Payments
Scan to send or receive. Works at any compatible wallet.
Import Wallet
Already have a wallet? Import via seed phrase — 12 or 24 words.
Export Wallet
Your keys are portable. Export anytime, own forever.
Fund Your Cash Account
Transfer crypto to your Anytime Capital cash account instantly.
Buy with Card
Fund your wallet with debit card, Apple Pay, ACH, or wire.
Live Market Data
Real-time prices and charts on all supported assets.
Convert XLM to Cash in Your Anytime Capital Account
Most wallets leave your crypto stranded. Anytime Capital bridges your Stellar wallet to your FDIC-insured cash account — convert, spend with your Mastercard®, or receive direct deposits.
- ✓Convert XLM → USD instantly
- ✓No-fee internal transfers
- ✓Spend with your Mastercard®
- ✓FDIC-insured up to $250K
Convert XLM
You send
1.0 XLMCash account receives
USD (instant)
Explore Stellar on Anytime Capital
View live XLM price charts, market data, and crypto news in our explorer.
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Trusted (Trust & Compliance)
Anytime Capital meets rigorous regulatory and compliance obligations to help ensure secure, transparent cryptocurrency transactions.
MSB Registration Number: 31000321862986
Stellar Wallet FAQ
Is there a fee to use the Stellar wallet?
No. Your Anytime Capital Stellar wallet has no monthly fees, no setup fees and no hidden charges. Stellar network fees apply when you send XLM on-chain: Stellar fees are a fixed 0.00001 XLM per operation. A small minimum balance of XLM is reserved on every account.
What does a XLM address look like?
Starts with G and is 56 characters long (e.g. GBRP…). Exchanges and some services require a memo. Sends to your own Anytime Capital address do not.
How long does a XLM transfer take?
About 3–5 seconds on Stellar. Your wallet shows the transaction as pending until the network confirms it.
Can I buy XLM directly into this wallet?
Yes. Create your free Anytime Capital wallet and buy BTC, LTC, USDT, XLM, and more using Apple Pay, a debit or credit card, a bank transfer or another available payment method. Purchases are delivered to your Anytime Capital wallet.
Can I convert XLM to USD in my cash account?
Yes. Anytime Capital connects your Stellar wallet to your FDIC-insured cash account. Convert XLM to US dollars and spend the balance with your Mastercard® or transfer it out.
Is the Anytime Capital wallet free?
Yes. There are no monthly fees, no setup fees, and no hidden charges for using your Anytime Capital crypto wallet. You only pay standard network transaction fees when sending crypto on-chain.
Is this a custodial or non-custodial wallet?
Anytime Capital offers a non-custodial wallet — meaning you hold your own private keys. We never have access to your funds. Your keys, your coins.
Can I import my existing wallet using a seed phrase?
Yes. You can import any existing BIP-39 compatible wallet using your 12 or 24-word seed phrase. This works for Bitcoin, Ethereum, Solana, Litecoin, and TRON wallets.
What cryptocurrencies does Anytime Capital support?
Your Anytime Capital wallet covers the major assets: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), TRON (TRX), XRP, BNB, Dogecoin (DOGE), Cardano (ADA), USDT (ERC-20, SPL, TRC-20), USDC (ERC-20, SPL) and the rest of the top coins by market cap. Each has its own wallet page under /wallet, and you can buy BTC, LTC, USDT and more into the same wallet with Apple Pay, card or bank transfer.
Can I use my crypto wallet to fund my Anytime Capital cash account?
Yes. Anytime Capital uniquely connects your crypto wallet to your FDIC-insured cash account. Convert crypto to USD and have it available in your account instantly — then spend it with your Mastercard®.
Is my crypto FDIC insured?
Cryptocurrency itself is not FDIC insured. Funds loaded to your Anytime Capital cash account are FDIC-insured up to applicable limits through our partner bank, Pathward N.A., Member FDIC.
Ready to open your free Stellar wallet?
Non-custodial. No fees. Built-in banking. Buy BTC, LTC, USDT, XLM, and more in minutes.
Get Free XLM WalletAs of September 2026. Information may have changed since this date. Please verify current details with the respective platforms.