Exchange Home credit RUB to Stellar XLM

You give Home credit RUB
Sberbank RUB
T-Bank (Tinkoff) RUB
Company account RUB
Raiffeisen RUB
Openbank RUB
Alfa-Bank RUB
RNCB RUB
Gazprombank RUB
Promsvyazbank RUB
Russian Standart RUB
Post Bank RUB
VTB RUB
Mir Card RUB
Visa / MasterCard RUB
Business account RUB
UnionPay Card RUB
Sovcombank RUB
MTS Bank RUB
Avangard RUB
RSHB RUB
MKB RUB
Kukuruza RUB
Rosbank RUB
Home credit RUB
Faster Payments System RUB
Cash RUB
T-Bank QR RUB
Sberbank QR RUB
Cash USD
Cash EUR
Tether USDT
Tether BEP20 USDT
Tether ARBITRUM USDT
Tether TON USDT
Tether Avalanche C-Chain USDT
Tether OPTIMISM USDT
Tether SOL USDT
Tether ERC20 USDT
Tether POLYGON USDT
USDCoin USDC
USDCoin SOL USDC
USDCoin BEP20 USDC
USDCOLD TRC20 USDC
USDCoin POLYGON USDC
USDCoin Arbitrum One USDC
USDCoin OPTIMISM USDC
Binance USD BEP20 BUSD
Binance USD ERC20 BUSD
DAI DAI
DAI BEP20 DAI
TrueUSD TUSD
TrueUSD BEP20 TUSD
Pax Dollar USDP
Paxos BEP20 USDP
Skrill USD
Skrill EUR
Payoneer USD
Payoneer EUR
Alipay CNY
WeChat CNY
Volet.com (ex. Advanced Cash) RUB
Volet.com (ex. Advanced Cash) USD
Volet.com (ex. Advanced Cash) EUR
Payeer RUB
Payeer USD
Payeer EUR
Neteller EUR
Neteller USD
YooMoney RUB
M10 AZN
Bitcoin BTC
Bitcoin ERC20 BTC
Bitcoin BEP20 BTC
Ethereum ETH
Official Trump TRUMP
Aptos APT
Optimism OP
Arbitrum ARB
Notcoin NOT
TON TON
Ethereum BEP20 (BSC) ETH
Ethereum Arbitrum One ETH
Ripple XRP
Ripple BEP20 (BSC) XRP
Algorand ALGO
Avalanche AVAX
Avalanche BEP20 AVAX
Terra LUNA
Decentraland MANA
Litecoin LTC
Litecoin BEP20 (BSC) LTC
Bitcoin Cash BCH
Bitcoin Cash BEP20 BCH
PancakeSwap CAKE
yearn.finance BEP20 YFI
Maker MKR
Maker BEP20 (BSC) MKR
Cardano ADA
Cardano BEP20 ADA
Uniswap UNI
Uniswap BEP20 UNI
Binance Coin BNB
Binance Coin BEP20 (BSC) BNB
Stellar XLM
Stellar BEP20 XLM
EOS EOS
EOS BEP20 EOS
ChainLink BEP20 LINK
Monero XMR
Tron TRX
Tron BEP20 TRX
Tezos XTZ
Tezos BEP20 XTZ
Neo NEO
Cosmos ATOM
Cosmos BEP20 ATOM
Dash DASH
IOTA IOTA
IOTA BEP20 IOTA
Waves WAVES
Zcash BEP20 ZEC
Ethereum Classic ETC
Ethereum Classic BEP20 ETC
Solana SOL
Dogecoin DOGE
Dogecoin BEP20 DOGE
The Graph GRT
Near NEAR
Near BEP20 NEAR
Terra ERC20 LUNA
0x ZRX
Qtum QTUM
Polkadot DOT
Polkadot BEP20 DOT
Polygon POL
Polygon BEP20 POL
Shiba Inu SHIB
Shiba Inu BEP20 SHIB
Cronos CRO
Everscale EVER
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You get Stellar XLM
Bitcoin BTC
Ethereum ETH
Monero XMR
Cronos CRO
Tron TRX
Cardano ADA
Litecoin LTC
Cosmos ATOM
Ripple XRP
Bitcoin Cash BCH
Ethereum Classic ETC
Dogecoin DOGE
Dash DASH
Polkadot DOT
Neo NEO
EOS EOS
IOTA IOTA
Polygon POL
Stellar XLM
Waves WAVES
Shiba Inu SHIB
0x ZRX
Terra LUNA
Solana SOL
Qtum QTUM
Tezos XTZ
Everscale EVER
The Graph GRT
Near NEAR
Bitcoin BEP20 BTC
Ethereum BEP20 (BSC) ETH
Ripple BEP20 (BSC) XRP
Litecoin BEP20 (BSC) LTC
Uniswap UNI
Binance Coin BEP20 (BSC) BNB
Bitcoin Cash BEP20 BCH
Cardano BEP20 ADA
Stellar BEP20 XLM
EOS BEP20 EOS
Uniswap BEP20 UNI
Tron BEP20 TRX
Tezos BEP20 XTZ
IOTA BEP20 IOTA
Cosmos BEP20 ATOM
Zcash BEP20 ZEC
Ethereum Classic BEP20 ETC
Dogecoin BEP20 DOGE
Near BEP20 NEAR
Terra ERC20 LUNA
Polkadot BEP20 DOT
Polygon BEP20 POL
Shiba Inu BEP20 SHIB
Bitcoin ERC20 BTC
Algorand ALGO
PancakeSwap CAKE
Maker BEP20 (BSC) MKR
Avalanche AVAX
Avalanche BEP20 AVAX
Decentraland MANA
TON TON
Notcoin NOT
Ethereum Arbitrum One ETH
Aptos APT
Optimism OP
Arbitrum ARB
Official Trump TRUMP
ATM QR-code THB
Tether ERC20 USDT
Tether USDT
USDCoin USDC
TrueUSD TUSD
Pax Dollar USDP
Tether BEP20 USDT
DAI DAI
DAI BEP20 DAI
Binance USD BEP20 BUSD
TrueUSD BEP20 TUSD
USDCoin BEP20 USDC
Paxos BEP20 USDP
Tether SOL USDT
USDCoin SOL USDC
USDCOLD TRC20 USDC
Tether POLYGON USDT
USDCoin POLYGON USDC
Tether ARBITRUM USDT
Tether TON USDT
Tether OPTIMISM USDT
Tether Avalanche C-Chain USDT
USDCoin Arbitrum One USDC
USDCoin OPTIMISM USDC
Volet.com (ex. Advanced Cash) RUB
Payeer RUB
Payeer USD
Neteller USD
Skrill USD
Volet.com (ex. Advanced Cash) USD
Idram AMD
Payeer EUR
Volet.com (ex. Advanced Cash) EUR
Skrill EUR
Alipay CNY
WeChat CNY
Neteller EUR
Payoneer USD
BLIK PLN
M10 AZN
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XLM    Stellar
No fee
BEP20    Binance Smart Chain
No fee
Network
Amount to get
To address
MEMO
Send without MEMO
I am sending the funds to
it is required to agree to the rules
I have read and agree with exchange rules and AML policy
it is necessary to give consent
I consent to the processing of my personal data and accept the terms of User Agreement.
We do AML checks on the funds we receive. Please read our AML policy carefully before paying for order.
Payment for the order can be made using the "Fast payment system" (FPS) to an account in another bank.

Commission for transfer of up to 100,000 rubles is absent, the transfer is instant.
The transfer should be made by phone number to the specified bank.

Please note! Check the bank carefully before sending funds via FPS. Incorrectly sent funds will be irrecoverably lost.

For more details on Faster Payments System and advantages of using them, read more on our website.
Instructions: Exchange Home credit RUB to Stellar XLM
To make the exchange you need to perform the following steps:
1.
Fill out all the fields in the form above ↑.
2.
Read our the Terms of Service, and if you accept them, check the appropriate box.
3.
Please read and accept the User Agreement and agree to the processing of your personal information by checking the appropriate box.
4.
Press the "Start Exchange" button.
i.
If the exchange rate of the received or given asset to the dollar on Binance changes by more than 5%, the service reserves the right to recalculate the exchange rate at the time of receipt of payment.
i.
The first exchange in this pair may require user verification (KYC — Know Your Client). Verification requires a picture of your plastic card in the background of the application page.
i.
The bank may charge a fee when transferring fund to you if your region and the region of the recipient of the payment (exchange office) are different. You can find out the amount of the fee from the bank's support service.
5.
Pay the order by transferring the exact amount to the credentials specified in the description.
i.
Rate is fixed when the order is created, if the customer has paid within 30 minutes after creation. If the payment is not received within 30 minutes → the order is automatically deleted. You can create a new order if you need.
i.
In this trading pair only internal bank (payment system) transfers are accepted, we do not accept payments from credit cards and third-party payment systems (aggregators).
6.
After making the payment → click the "I have paid" button.
i.
If the client has paid the order, but due to circumstances wants to cancel the exchange, the return of funds is minus 5% of the payment amount + commission within the payment system and the difference in the exchange rate.
7.
Wait for the transfer of funds from the service to the credentials you specified. All information and transfer status can be viewed on the page "Status of the request", which opens immediately after order was created.
i.
Note: The operator online status is required to perform the exchange (operator status is listed in the bottom right corner of the page). If you have any questions, please contact the operator with the Chat in the bottom right corner or at the addresses listed on the Contacts page.
*
The value specified in the field "Amount (including PS fee)" is approximate and may differ from the fee charged by payment system. Check the exact amount of transaction fee from the support service of the payment system.

More about currencies

Home credit RUB

Introduction

Home Credit RUB Bank has firmly established itself as a leading financial institution in the Russian banking landscape, offering a comprehensive suite of payment and transfer services tailored to meet the dynamic needs of individuals and businesses. With a focus on innovation, speed, and security, the bank provides a seamless digital experience that facilitates everyday transactions, cross-border operations, and advanced financial functionalities.

Core Payment Services

Home Credit RUB Bank offers a diverse array of core payment services designed to simplify the transfer of funds and enhance user convenience. These services include:

  • Internal Payments: Fast and secure transfers within the bank’s own network, enabling customers to move funds between their accounts instantly.
  • Inter-bank Transfers: Facilitating secure payments between different banks through national payment systems, supporting both domestic and international transactions.
  • P2P Payments: Peer-to-peer transfers allow users to send money directly to friends and family via mobile apps or online platforms, often with minimal fees and immediate processing.
  • QR Code Payments: A widely adopted method where customers scan QR codes at retail outlets or within apps to complete transactions swiftly and securely.
  • Instant Payments: Leveraging instant payment systems (such as Faster Payments), the bank ensures that funds are transferred and received in real time, ideal for urgent transactions.

Cross-Border Transfers

Recognizing the importance of international connectivity, Home Credit RUB Bank provides robust cross-border transfer services. Customers can send and receive money across borders quickly, securely, and at competitive rates. The bank integrates with global payment networks and currency exchanges, allowing for:

  • Global remittances with minimal delays and transparent fee structures.
  • Currency conversion at favorable rates, supporting transactions in multiple currencies.
  • Compliance with international regulations ensuring secure and authorized transfers.

This service caters to expatriates, international students, and companies engaged in foreign trade, emphasizing ease and safety.

Mobile & Online Banking

Home Credit RUB Bank's mobile and online banking platforms provide users with comprehensive tools to manage their finances conveniently. Key features include:

  • Real-Time Account Management: Check balances, review transaction history, and manage multiple accounts from a single interface.
  • Bill Payments & Fund Transfers: Pay utility bills, mobile top-ups, and transfer funds domestically or internationally.
  • Card Management: Block, unblock, set transaction limits, and request new cards instantly.
  • Personal Finance Tools: Budget tracking, savings goals, and spending analysis to help customers maintain financial health.
  • Secure Authentication: Multi-factor authentication ensures protection against unauthorized access.

The user-friendly interface and 24/7 availability make banking more accessible and efficient.

Crypto Operations

Innovating in the digital currency arena, Home Credit RUB Bank offers cryptocurrency-related services for modern investors. Their offerings include:

  • Crypto Transactions: Buying, selling, and exchanging cryptocurrencies through secure integrated platforms.
  • Wallet Services: Secure digital wallets to store, manage, and transfer digital assets.
  • Crypto Portfolio Management: Insights and analytics to optimize investments in digital currencies.

These services are designed with enhanced security measures and compliance with emerging regulations to protect customers' digital assets and facilitate smooth crypto operations.

Additional Services

Beyond standard payments, Home Credit RUB Bank offers value-added services such as:

  • Payment scheduling for future-dated transfers.
  • Recurring payments for subscriptions and installments.
  • Contactless payments via NFC-enabled cards and mobile devices.
  • Virtual cards for online shopping without exposing primary card details.

Security & Compliance

Security is at the core of Home Credit RUB Bank’s payment and transfer services. The bank employs advanced encryption, multi-factor authentication, and continuous fraud monitoring to safeguard transactions. Compliance with international standards and local regulations ensures that customer data and funds are protected against cyber threats and unauthorized access.

Competitor Comparison

Compared to other major Russian banks like Sberbank and VTB, Home Credit RUB Bank distinguishes itself with:

  • Innovative digital solutions tailored for a seamless user experience.
  • Competitive transfer fees especially in P2P and cross-border transactions.
  • Strong focus on crypto and digital assets an emerging niche in the Russian banking sector.
  • Enhanced security protocols ensuring customer trust in digital payments.

While traditional banks may have broader branch networks, Home Credit RUB Bank’s digital-first approach provides agility and convenience that resonate with tech-savvy users.

Conclusion

Home Credit RUB Bank has positioned itself as a forward-thinking financial institution with a comprehensive suite of payment and transfer services that cater to the digital age. Its emphasis on secure, fast, and innovative solutions—from internal payments to advanced crypto operations—reflects its commitment to modern banking needs. As the financial landscape continues to evolve, the bank’s focus on integrating new technologies and maintaining high security standards ensures it remains a trusted choice for customers seeking efficient and reliable payment services in Russia and beyond.


Stellar XLM

Introduction to Stellar (XLM)

Stellar (XLM) is a cutting-edge cryptocurrency designed to facilitate fast, low-cost cross-border transactions. Developed by the Stellar Development Foundation, Stellar aims to bridge the gap between traditional financial systems and the digital economy. Its unique architecture enables it to process thousands of transactions per second with minimal fees, positioning itself as a leading solution for financial inclusion and international remittances.

Unique Selling Proposition (USP)

The core USP of Stellar (XLM) lies in its ability to combine high transaction speed, ultra-low fees, and broad scalability. Unlike many cryptocurrencies that struggle with scalability or high transaction costs, Stellar leverages the Stellar Consensus Protocol to provide a decentralized, secure, and efficient network. This makes it especially attractive for institutional use, remittance services, and developing economies seeking affordable financial services.

Target Audience

Stellar's primary target audiences include financial institutions, remittance companies, startups, and underserved populations in emerging markets. Financial institutions seeking to reduce the costs of international transfers benefit from Stellar's fast settlement times. Remittance firms utilize Stellar for affordable cross-border payments, while fintech startups incorporate Stellar to develop innovative financial products. Additionally, unbanked populations in developing countries gain access to basic financial services through Stellar-powered solutions.

Competition and Market Landscape

In the competitive landscape, Stellar faces rivalry from cryptocurrencies like Ripple (XRP), which also focuses on cross-border payments, and traditional banking systems attempting to modernize with digital solutions. Unlike Ripple, Stellar emphasizes wider financial inclusion and decentralized governance, which appeals to a broader range of stakeholders. Other competitors include stablecoins, CBDCs (Central Bank Digital Currencies), and payment platforms like PayPal or MoneyGram integrating blockchain tech. While Stellar maintains a niche due to its focus on accessibility and scalability, the rapid evolution of the digital currency sector continually reshapes competitive dynamics.

Perception and Reputation

Stellar enjoys a positive perception within the blockchain community, recognized for its technological innovation and commitment to social impact. Its transparency and partnerships with organizations such as IBM and Deloitte bolster its credibility. However, in wider financial sectors, perceptions are mixed; some stakeholders remain cautious about adopting new blockchain-based systems over traditional methods. Overall, Stellar is regarded as a reliable, purpose-driven platform committed to financial democratization.

Advantages of Stellar (XLM)

  • High transaction throughput: Capable of processing thousands of transactions per second, ensuring scalability for global use.
  • Minimal fees: Transaction costs are typically a fraction of a cent, making microtransactions feasible.
  • Speed: Transactions settle in seconds, facilitating quick remittances and real-time payments.
  • Decentralization and security: Utilizes the Stellar Consensus Protocol for a secure, decentralized network.
  • Focus on inclusion: Designed to serve unbanked populations and promote financial inclusion globally.
  • Strong partnerships: Collaborations with major corporations and non-profits enhance credibility and adoption prospects.

Risks and Challenges

Despite its advantages, Stellar faces several risks, including regulatory uncertainty across different jurisdictions, which could impact its deployment and growth. Market competition remains fierce, with many projects vying for dominance in cross-border payments. Additionally, technological vulnerabilities or network security breaches could undermine user confidence. The reliance on the Stellar Consensus Protocol, while innovative, is still relatively new compared to traditional proof-of-work or proof-of-stake systems, posing certain operational risks.

Use Cases and Applications

Stellar's versatility enables a wide range of use cases, including:

  • Cross-border remittances: Providing affordable and instantaneous international money transfers.
  • Financial inclusion initiatives: Facilitating banking access for unbanked populations via mobile wallets and local financial services.
  • Token issuance and asset transfer: Supporting the creation and transfer of digital assets and stablecoins.
  • Payment integrations: Partnering with firms to embed Stellar payments into existing financial platforms and mobile apps.
  • Enterprise solutions: Enabling corporations to streamline international transactions and reduce settlement times.

Prospects and Future Outlook

The future of Stellar (XLM) appears promising, especially as the global demand for fast, affordable, and inclusive financial services grows. With ongoing development, strategic partnerships, and increasing adoption in emerging markets, Stellar aims to solidify its position as a backbone of international digital payments. Advancements in blockchain technology, evolving regulatory landscapes, and expanding awareness of digital currencies are likely to drive its growth.

Furthermore, the increasing integration of Stellar within the remittance industry and central bank digital currencies (CBDCs) indicates a broader acceptance of its technology. While challenges such as market competition and regulatory hurdles remain, Stellar’s focus on decentralized finance and social impact projects could catalyze significant expansion in the coming years.