How the swap works
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Type the ZEC amount and paste your Stellar payout address on Stellar mainnet.
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Press Exchange to open the live quote and the deposit address for this order.
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Broadcast ZEC to that deposit. After the required confirmations, XLM is sent to your wallet.
Check these before you send
- Zcash confirmations follow mainnet block times β usually a few minutes.
- Transparent (t-) and shielded (z-) addresses are not interchangeable β use the type your order specifies.
- Shielded payouts may take longer to appear depending on wallet support.
- If XLM has not appeared yet, wait a few minutes and refresh the wallet. When the order already shows a payout tx, contact support with your order ID.
Zcash β shielded privacy is optional
ZEC supports transparent and shielded addresses β use the receive format your wallet actually supports.
Transparent vs shielded ZEC
Sending to the wrong address type is a common failure mode.
If unsure, ask support which format your order uses before broadcasting.
Stellar β fast payments network
XLM (Stellar Lumens) powers the Stellar network β built for low-cost cross-border transfers and tokenized assets.
XLM not visible yet?
Resync your Stellar wallet. If the order shows a sent transaction, verify the address and memo match your wallet.
When will XLM arrive?
Stellar settlements are usually very quick once your deposit confirms.
- Check Stellar Expert or a similar explorer with the payout tx hash.
- Confirm whether your wallet needs a destination memo for incoming funds.
- Keep a small XLM reserve if your wallet requires a minimum balance.
Read before you send
Wrong-network deposits and address mistakes are the usual failure modes β start with these notes.
Coin swap hubs
More no-KYC swap pairs and guides for each asset.
Frequently asked questions
Does ZEC to XLM require KYC or an account?
No. PeakSwap does not ask for a profile, ID documents, or a hosted balance for Zcash to Stellar.
How long until XLM arrives?
Many orders finish in a few minutes. Zcash mainnet deposit confirmations and Stellar mainnet payout time set the wait.
Do you hold ZEC or XLM for me?
No. You send ZEC from a wallet you control and XLM is paid to the address you provide β PeakSwap does not keep a user wallet.
What if I send ZEC on the wrong chain?
Use Zcash mainnet exactly as shown on the order. A wrong-network send may not be credited β read the swap safety notes first.