Stellar casinos: XLM deposits, memos and the minimum balance

Stellar lumens (XLM) cost almost nothing to send: the base fee is 100 stroops (0.00001 XLM) per operation, and a new ledger closed every 5 seconds when we checked on 6 Oct 2026. Few of the casinos we list take XLM, so check the cashier before you buy any.

Below are the casinos that do, the costs with sources, and the memo and reserve rules that decide whether a deposit arrives.

18+ only Fees dated 6 Oct 2026 Memo often required

By Natasha Fernandez Updated Oct 6, 2026

Base fee: <$0.01 100 stroops
Ledger close: 5 s measured 6 Oct
Minimum balance: 1 XLM 2 base reserves
XLM price: $0.213 6 Oct 2026
30-day range: 33% $0.175–$0.232

Short answer

Is XLM worth using at a crypto casino?

As a transfer, yes: 100 stroops per operation is a fraction of a cent, and ledgers close in about 5 seconds. The catches are availability, since few of the casinos we list take XLM, and the memo: if the cashier shows one, the deposit needs it to be credited to you.

Fee 0.00001 XLM

100 stroops per operation

Memo Copy it

when the cashier shows one

Minimum balance 1 XLM

stays in your wallet

Ledger close 5 s

Horizon, 6 Oct 2026

Each trust line you add, for example to hold USDC on Stellar, locks another 0.5 XLM.

Worked example Example data

XLM vs XRP vs TRC-20 USDT for one deposit

What one transfer cost on 6 Oct 2026, with sources.

Stellar XLM

Network fee, one transfer: <$0.01
Paid in: 0.00001 XLM
Block time: 5 s ledgers

XRP Ledger XRP

Network fee, one transfer: <$0.01
Paid in: 0.00001 XRP
Block time: 3–5 s ledgers

TRON (TRC-20) USDT

Network fee, one transfer: $2.16
Paid in: 6.43 TRX
Block time: 3 s blocks

What it means

XLM and XRP both cost a fraction of a cent. Both use a tag or memo for shared addresses, and both lock a small reserve in your wallet.

An exchange withdrawal fee usually costs more than the network fee.

6 Oct 2026. Stellar: base fee 100 stroops per operation, base reserve 0.5 XLM, minimum balance two base reserves (developers.stellar.org); ledger close from the last 30 ledgers on Horizon (5.0 s). XRP: xrpl.org. TRON: TronGrid chain parameters. Prices: CoinGecko.

Volatility Example data

What an XLM price move does to a bankroll

Holding the bankroll in XLM adds a bet on its price. These rows use a $500 bankroll.

Held in	Price move	Bankroll after	Change	What it means
XLM, −10%	-10%	$450	−$50	XLM's largest fall from a high in the 30 days to 6 Oct 2026 was 9.7%.
XLM, −25%	-25%	$375	−$125	An illustration; ranges are not forecasts.
USDT	0%	$500	$0	No price risk.
XLM, +14%	+14%	$570	+$70	XLM's change over the same 30 days.

Illustration: bankroll after = bankroll × (1 + move). Price range: CoinGecko daily prices, 30 days to 6 Oct 2026.

How to deposit

Depositing XLM, step by step

XLM deposit

Open the XLM cashier Copy the address, which starts with G.
Copy the memo If one is shown, paste it into the memo field and match its type (text or ID).
Keep the minimum Your wallet must keep 1 XLM plus 0.5 XLM per trust line.
Send a test amount It should arrive within seconds.
Send the rest Keep the transaction hash.

A deposit sent without a required memo depends on the casino's support to be matched to you.

Coin vs coin

XLM vs XRP for casino play

	XLM	XRP
Network fee	100 stroops	10 drops
Ledger close	about 5 s	3–5 s
Wallet reserve	1 XLM + 0.5 per entry	1 XRP + 0.2 per object
Shared-address field	Memo	Destination tag
30-day range to 6 Oct 2026	33%	22%