Stellar Casinos
Stellar is a payments network running since 2014, and its coin, the lumen, trades as XLM. It is one of the rarest coins in casino cashiers: only 4 of the casinos with reviews here list it, 3 of them crypto-native. Much of its design is shared with XRP: no mining, a ledger that closes about every 5 seconds, a memo for shared addresses and a minimum balance that every account must keep.
With so few casinos the list is short, so most of this page concerns the deposit itself: the memo and the M-address that can replace it, the balance a wallet holds back, and how much the lumen's price moved over October 2025 to October 2026.
4 casinos
Every figure comes from the casino's own terms. Some Visit links earn us a commission; partners are listed first and marked, and that never changes what a row says. 18+.
Withdrawals
KYC on request
44 currencies · 16 game studios · SEPA, Google Pay, OXXO +23 · 70 restricted countries
From the termsInactive-account fee 50 USDT a month after 12 monthsWithdrawals
No cap stated
Risk-based KYC
Deposit wagering
1×
29 currencies · 24 game studios · AirTM, GG Bank, Bidget Pay · 10 restricted countries
From the termsNo dispute body namedInactive accounts blocked after 3 monthsWithdrawals
No cap stated
KYC above USD 2,200 cumulative deposits
Deposit wagering
1×
30 currencies · 31 game studios · Credit Cards, Digital Wallet · 26 restricted countries
From the termsInactive-account fee USD 5 a month after 12 monthsWithdrawal fees at the casino's discretionLicence
Withdrawals
No cap stated
KYC on request
Deposit wagering
1×
42 currencies · 1 game studios · Apple Pay, Credit Cards, Google Pay +5
From the termsNo dispute body named
Memo or Muxed Address
A Stellar account address begins with G. A casino that receives lumens at one shared G address tells players apart by the memo, a short value shown beside the address, often a number. Send without it and the lumens land in the casino's account carrying no sign of whose they are; the casino then decides whether, and how, to trace them.
Stellar has a tidier answer to the same problem, the muxed account. Its address begins with M and carries your player number inside it, so one string does the work of address and memo together. A wallet that supports M-addresses sends to the shared account and attaches the identifier itself. One that does not will refuse the M-address, and the fallback is the G address with the memo typed separately.
The rule: A G address with its memo and an M-address on its own reach the same balance; a G address without the memo does not.
Settlement is quick enough not to matter: a payment is final when the ledger closes, about 5 seconds after it is sent, with no confirmations to count. A lumen deposit that has not appeared after a few minutes is almost always missing its memo or waiting on the casino.
A Lumen Balance From Four Hours to a Year
All figures are in US dollars over October 2025 to October 2026. Lumens were among the three wildest coins on these pages, behind only Cardano and Toncoin, and their strongest week was the second-largest seven-day rise of any coin here. How every coin compares, stablecoins included, is on the stablecoins page.
The Minimum Balance Every Account Keeps
A Stellar account cannot be emptied completely. It must hold a minimum balance made of a base reserve plus a further reserve for each extra entry it keeps on the ledger, such as a trustline to a token or an open offer. That amount cannot be sent, which is why a new wallet shows lumens it will not let you withdraw in full.
The rule also shapes a withdrawal to a wallet that has never held lumens. The first payment has to be large enough to create the account on the ledger, and one below the minimum balance is rejected. Withdrawing to a wallet that is already funded avoids the question entirely.
The network fee, by contrast, is a tiny flat charge per operation that rises only when the ledger is congested, so the cost of moving lumens is set almost entirely by the casino's own withdrawal terms, explained in the guide to withdrawals.
Stellar and XRP Compared
The two networks share an origin and a good deal of design, which is why the same habits carry over: copy the identifier as carefully as the address, and expect part of a wallet's balance to stay put. The details differ enough that a value meant for one never works on the other; the XRP page covers its side in full.
Stellar Casinos FAQ
The exchange's G address and the memo it assigns you, each copied into its own field of the casino's withdrawal form. Exchanges receive lumens at shared accounts too, so a withdrawal without the memo strands the coins there. If the casino form has no memo field, withdraw to a personal wallet instead.
Not unless the cashier lists that token on Stellar as its own deposit option. A lumen deposit address is set up to credit XLM, and a token sent to it may never reach your balance. Pick the coin and network in the cashier first, then copy the address it gives.
No. The network once had an inflation mechanism that created new lumens, but it was switched off, and a large part of the original supply was later destroyed. The supply is now fixed, so a casino balance in XLM is never diluted by newly issued coins.
Your wallet shows your own account, which always begins with G. The casino's M-address is its shared account with your player number folded in. You send from your G address to the M-address, and the two never need to match.