XLM wallet

Stellar wallet.
Your keys. Your device.

Stellar is a payments network, and XLM is its native asset.

THORWallet is a self-custody Stellar wallet for iOS, Android and the web. The table shows what works with XLM today.

Get THORWalletOpen the Web App

What works on Stellar in THORWallet

Hold, send and receiveSeed wallet and vault
Multi-device vaultSupported
Cross-chain swapsStellar assets only
Card top-upConverted to USDC
EarnBlend lending
AddressStarts with G
Network fee paid inXLM
Memo or tag when sendingMemo ID or memo text

Checked against the released app on 12 November 2026. Figures can change; the app shows the current ones.

Hold

Hold XLM your way.

Hold XLM on your own Stellar address.

  • Network fee paid in XLM
  • Your own address, starting with G
  • Blend lending in the Earn tab
Secure

Put XLM in a vault.

A multi-device vault needs several of your own devices to sign together, for example 2 of 3. No single device holds the whole key.

How vaults work → Spend

Spend it anywhere.

Top up the THORWallet Mastercard from your wallet and pay in 175+ countries, or use your Swiss IBAN and SEPA account.1

See the card →
FAQ

Stellar wallet, answered.

Is THORWallet a self-custody Stellar wallet?

Yes. THORWallet is non-custodial: the keys to your XLM are created on your own device and never leave it. There is no account with us and we cannot move your funds.

Can I keep XLM in a multisig vault?

Yes. Stellar is supported in multi-device vaults, where several of your own devices sign together, for example 2 of 3. Each device is backed up on its own.

Do I need a memo to send XLM?

Only when the recipient asks for one, as most exchanges do. The send screen has a field for a memo ID or a memo text.

Why can I not send my whole XLM balance?

The network keeps a small reserve in your own account, so you can send only the balance above it. A new address also needs a first deposit of at least 1 XLM before it is active.

Can I lend assets on Stellar in THORWallet?

Yes. Earn lists Blend lending for XLM and USDC on Stellar. Rates are variable and not guaranteed, and in the mobile app lending needs a seed wallet.

Which devices does THORWallet run on?

iPhone and Android, the web app in any modern browser, and THORWallet Terminal on Mac and Windows.

Learn more

Guides and answers.

Supported networks and tokensHelp How to receive cryptoHelp How to send cryptoHelp How to lend stablecoins in EarnHelp Multi-device vaultsHelp THORWallet Launches Stellar Cross-Chain Swaps Powered by NEAR IntentsBlog
More chains

Every major chain. One wallet.

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Your XLM. Your keys.

Self-custody, on your own device.

Get THORWalletOpen the Web App

The fine print

  1. Card and Swiss IBAN availability varies by jurisdiction and verification status. FX markups apply on top of network rates. Limits and fees are indicative.
  2. The THORWallet Card needs a seed wallet. Only USDC on Ethereum reaches the card with no top-up fee. Other assets are converted to USDC first, and the top-up form shows the fee.
  3. Earn rates are variable and not guaranteed. Returns come from third-party on-chain protocols, which carry smart-contract, market and counterparty risk. Not investment advice.
  4. THORWallet is self-custody software. We hold no keys and cannot recover funds for you.