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Stellar (XLM): US purchase eligibility
Check US state eligibility, funding-account requirements and receiving details for Stellar (XLM).
US purchase eligibility for Stellar (XLM)
US account and provider checks apply. New purchases are unavailable in Georgia, Nevada and Washington State. New York requires an eligible Changelly offer for the exact purchase.
Check US state eligibility · Ask our team about your purchase
Provider offers appeared in a read-only MoonPay check for Stellar (XLM) in Illinois on November 12, 2026. That check used a $1,000 purchase amount. Your state, amount, account and current provider quote determine your actual options.
Check the asset before preparing US dollars
XLM, or lumens, is Stellar’s native asset used for account reserves and transaction fees. Issued assets such as Stellar USDC are separate balances.
Use an XLM receiving selection and keep any required memo with the address. For issued assets, separately check the issuer and any trustline requirement at the receiving wallet.
| Asset | Stellar (XLM) |
|---|---|
| Receiving network | Stellar |
| Entry to select in your account | Stellar (XLM) |
| Additional receiving field | Memo when required by your receiving platform |
Which funding checks matter for this purchase?
- For card or mobile-wallet payment, confirm the eligible funding card and review any issuer charge.
- For ACH, check account ownership and authorization separately from settlement and final crypto delivery.
- For PayPal, Venmo or Revolut, follow the provider’s current payment prompt and keep its order reference.
Prepare delivery on Stellar
Keep any hosted-platform memo with the Stellar receiving address. For an issued asset such as USDC, confirm the correct issuer and whether the receiving account needs a trustline.
Stellar accounts use XLM for fees and reserve requirements. The total asset balance and spendable balance can differ when reserves or receiving conditions apply.
How should I compare a USD quote?
Compare the full US dollar charge with the XLM estimated to arrive on Stellar. Check the receiving asset first, then the provider fee and any funding-source cost. The number of tokens can change with the quote. A bank authorization does not establish the final amount delivered.
Continue with the buying guide
Compare Stellar (XLM) buying options
- XLM with Visa or Mastercard
- XLM with ACH bank transfer
- XLM with Apple Pay
- XLM with Google Pay
- XLM with PayPal
- XLM with Venmo
- XLM with Revolut
Sources and review
Reviewed by the Crypto Dispensers team on November 12, 2026. Project references explain asset and network behavior; they do not establish buying eligibility through your account.