Convert REF to XLM
Swap Ref Finance (REF) to Stellar (XLM) at the best cross-chain rate. SwitchFi routes your REF → XLM exchange across the top DEXs and bridges and settles straight from your wallet — non-custodial, no account, no sign-up.
REF to XLM market data
| Metric | REF | XLM |
|---|---|---|
| Price | $0.04762 | $0.1819 |
| Market cap | $4.57M | $6.33B |
| 24h volume | $116 | $139.01M |
| 24h change | +10.07% | -1.15% |
| 7d change | +23.40% | +2.80% |
| 24h high / low | $0.04909 / $0.04166 | $0.1867 / $0.1776 |
| All-time high | $10.64 | $0.8756 |
| Market cap rank | #1686 | #20 |
What is the REF to XLM exchange rate?
At the current market price, 1 REF ≈ 0.26175387 XLM, and 1 XLM ≈ 3.8204 REF. The rate moves with the market; the exact amount you receive is quoted from live liquidity in your wallet before you sign.
In size terms Ref Finance is the junior asset: it is valued at $4.57M against Stellar's $6.33B, a gap of about 1385×. On the overall leaderboard they sit at #1686 and #20 respectively. The last 24 hours put REF at +10.07% against -1.15% for XLM — the REF/XLM rate has moved in REF's favour. Across the last 7 days the comparison reads +23.40% for REF versus +2.80% for XLM. Liquidity is ample on both legs — REF trades $116 a day and XLM trades $139.01M — so conversions execute at market rates. REF currently trades 99.6% below its all-time high, while XLM sits 79.2% under its own peak.
REF to XLM converter & price calculator
Indicative, based on current market prices. Get a live quote in the swap.
REF / XLM conversion tables
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Live quote, net of DEX/bridge/gas fees. The final amount is confirmed in your wallet at execution.
Indicative estimate — the exact amount is confirmed in your wallet at execution.
About Ref Finance and Stellar
Ref Finance (REF) ranks #1686 by market capitalisation at $4.57M. Compared with its $10.64 all-time peak, it currently trades 99.6% lower. Circulating supply stands at 96.00M REF. REF has moved +23.40% week-on-week and +22.60% over 30 days. Daily turnover comes to $116.
With a total market value of $6.33B, Stellar (XLM) sits at #20 among all cryptocurrencies. It is trading 79.2% below its all-time high of $0.8756. There are currently 34.80B XLM in circulation. Recent performance reads +2.80% over 7 days and +12.20% over the past month for XLM. Its 24-hour trading volume is $139.01M.
How to convert REF to XLM
- 1 Enter the amount of REF you want to convert — the swap widget on this page is prefilled with the REF → XLM pair.
- 2 Connect a compatible wallet: MetaMask, OKX, Trust Wallet, TokenPocket, TronLink, UniSat, Phantom and others.
- 3 Review the quoted route — the estimated and minimum amount of XLM you will receive, plus network, DEX and bridge fees, are all shown before you sign.
- 4 Confirm the transaction in your wallet and track the swap on the My transactions page until the funds arrive.
Other options to exchange XLM
Convert any other cryptocurrency from REF
REF to XLM FAQ
What is the REF to XLM exchange rate?
Right now 1 REF ≈ 0.26175387 XLM (and 1 XLM ≈ 3.8204 REF). Rates update continuously from live market data; the exact amount you receive is quoted in your wallet before you sign.
How to swap, exchange or convert REF to XLM on SwitchFi?
Type in how much REF you're converting, connect a wallet, check the quoted REF→XLM route and confirm in the wallet. The router compares DEX and bridge paths and settles without ever taking custody.
Is the REF to XLM swap instant?
Speed depends on the route: same-chain trades are near-instant, while bridged cross-chain paths usually complete in a few minutes. Progress is trackable the whole way.
Are there fees to convert REF to XLM?
The usual on-chain costs apply (network gas plus DEX/bridge fees), but they're disclosed inside the quote together with the minimum received. Nothing is charged for accounts or custody.
Do I need an account to exchange REF for XLM?
No account is needed. You connect a wallet, approve the swap and receive the funds directly — there is no registration or KYC step for on-chain swaps.
Market data by CoinGecko, cached server-side. Prices are informational — the exact swap rate is quoted at execution time.