Swap Polygon (POL) for Stellar (XLM)
The calculator does the maths at the live rate, the page lists the limits and the timing. Your rate is locked the moment the order is created.
Rate as of Nov 1, 2026 11:49
- Payout network
- Stellar
- 24 hours
- +0.83%
The direction runs at 0.547612 XLM per POL, or 1.8261 POL per XLM. Market over 24 hours: POL against XLM plus 0.83%. The week added plus 5.25%.
The weekly corridor ran from 0.521795 to 0.562496 XLM, a spread of 7.8%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap Polygon sits 75th ($987.12 M) and Stellar 19th ($5.96 B). Daily moves of POL and XLM over 90 days line up at 0.43 (they travel alike).
Who takes the POL → XLM route
- Fast paymentsA block in Stellar closes in about 5 sec, which is why Stellar is used for moving money rather than holding it.
- Different basketsDaily moves of POL and XLM over 90 days line up at 0.43 (they travel alike) — the looser the link, the less a portfolio depends on one coin.
- A road both waysThe XLM → POL direction is open too, so going back into POL takes the same route.
POL → XLM rate and amounts
1 POL = 0.547612 XLM
1 XLM = 1.8261 POL
Send POL — receive XLM
| POL | XLM | ≈ USD |
|---|---|---|
| 200 | 109.5225 | $18.55 |
| 1,000 | 547.6124 | $92.75 |
| 5,000 | 2,738.06 | $463.74 |
| 50,000 | 27,380.62 | $4,637.35 |
| 200,000 | 109,522.49 | $18,549.40 |
| 1,000,000 | 547,612.44 | $92,747.00 |
Need XLM — send this much POL
| XLM | POL | ≈ USD |
|---|---|---|
| 100 | 182.6109 | $16.94 |
| 500 | 913.0545 | $84.68 |
| 2,000 | 3,652.22 | $338.73 |
| 20,000 | 36,522.18 | $3,387.32 |
| 100,000 | 182,610.9 | $16,936.61 |
| 500,000 | 913,054.5 | $84,683.07 |
How the POL → XLM order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a XLM address in Stellar and a way to reach you. Receiving to an exchange? Add the Memo, or the payment will hang.
- Send POL in Polygon PoS for exactly the amount stated in the order.
- Once the network confirms your transfer, Stellar leaves for your address. The order page tracks every step.
Check this before sending POL
- The address network is Stellar. Sending through another network usually means losing the transfer.
- If the receiving wallet asks for a Memo, put it in the order.
- Copy the address whole, then compare the first and last characters after pasting.
- Coins go through an AML check: a flagged transfer can be held until the check is finished.
Where the POL to XLM rate has been
high 0.562496 XLMlow 0.521795 XLM
Oct 25, 2026 11:51Nov 1, 2026 11:51
high 0.544534 XLMlow 0.491547 XLM
Oct 1, 2026 03:00Oct 31, 2026 03:00
high 0.67128 XLMlow 0.418821 XLM
Aug 2, 2026 03:00Oct 31, 2026 03:00
high 0.787249 XLMlow 0.331449 XLM
Nov 1, 2025 03:00Oct 31, 2026 03:00
- 24 hours
- +0.83%
- Week
- +5.25%
- Weekly high
- 0.562496 XLM
- Weekly low
- 0.521795 XLM
- Spread
- 7.8%
Market data from CoinGecko as of Nov 1, 2026 09:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far POL/XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 0.549754 | 0.539499 | 0.544315 | +0.83% |
| Week | 0.562496 | 0.521795 | 0.538039 | +5.25% |
| Month | 0.544534 | 0.491547 | 0.518745 | +8.11% |
| Quarter | 0.67128 | 0.418821 | 0.515536 | +29.85% |
Figures are in XLM per unit sent, from market data.
Daily POL → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Oct 31, 2026 | 0.544534 XLM | +0.92% |
| Oct 30, 2026 | 0.53959 XLM | +1.17% |
| Oct 29, 2026 | 0.53336 XLM | −1.55% |
| Oct 28, 2026 | 0.541732 XLM | +0.51% |
| Oct 27, 2026 | 0.538968 XLM | +1.5% |
| Oct 26, 2026 | 0.530983 XLM | +1.45% |
| Oct 25, 2026 | 0.523405 XLM | +1.08% |
Daily RubyCash rate: POL → XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 1, 2026 | 0.549235 XLM | 0.549114 |
| Oct 31, 2026 | 0.541332 XLM | 0.541341 |
| Oct 30, 2026 | 0.561198 XLM | 0.555683 |
| Oct 29, 2026 | 0.544318 XLM | 0.544557 |
| Oct 28, 2026 | 0.533289 XLM | 0.532607 |
| Oct 27, 2026 | 0.543633 XLM | 0.539991 |
| Oct 26, 2026 | 0.540653 XLM | 0.541617 |
| Oct 25, 2026 | 0.531621 XLM | 0.525201 |
| Oct 24, 2026 | 0.525245 XLM | 0.524604 |
| Oct 22, 2026 | 0.514264 XLM | 0.513985 |
| Oct 21, 2026 | 0.516547 XLM | 0.517562 |
| Oct 20, 2026 | 0.522335 XLM | 0.523959 |
| Oct 19, 2026 | 0.52265 XLM | 0.520871 |
| Oct 18, 2026 | 0.51575 XLM | 0.513083 |
Our own rate is written down every hour; the table keeps the last entry of each day. The market column is the ratio of the same two coins on CoinGecko at that moment. Where these numbers come from
The numbers on POL and XLM
Polygon POL- Price
- $0.092747
- 24 hours
- +0.73%
- Week
- +3.67%
- Market cap
- $987.12 M
- 24-hour turnover
- $36.44 M
- Rank by cap
- #75
- In circulation
- 10.64 B POL
- Record price
- $1.29
Stellar XLM- Price
- $0.168903
- 24 hours
- −0.1%
- Week
- −1.66%
- Market cap
- $5.96 B
- 24-hour turnover
- $71.65 M
- Rank by cap
- #19
- In circulation
- 35.25 B XLM
- Record price
- $0.875563
Source: CoinGecko, Nov 1, 2026 09:24.
Polygon against Stellar
| Polygon (POL) | Stellar (XLM) | |
|---|---|---|
| Ticker | POL | XLM |
| Type | coin of its own network | coin of its own network |
| Launched | 2017 | 2014 |
| Built by | Polygon Labs | Jed McCaleb, Joyce Kim |
| Consensus | Proof of Stake | Stellar Consensus Protocol |
| Privacy | transfers are public | transfers are public |
| In circulation | 10.64 B POL | 35.25 B XLM |
| Market cap | $987.12 M | $5.96 B |
| Rank by cap | #75 | #19 |
| Block | — | ~5 sec |
| Supply cap | — | 50 B XLM |
Daily moves of POL and XLM over 90 days line up at 0.43 — they travel alike.
Common questions: POL → XLM
What rate does POL to XLM run at?
As of Nov 1, 2026 11:49 it is 1 POL = 0.547612 XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.0924934.
What else is taken on top of the rate?
The payout is already calculated at the rate in the calculator. On top of it you only pay the network fee for sending POL, and that one goes to the blockchain, not to us.
How long does POL to XLM take?
The clock starts with confirmations: the order goes into work once Polygon PoS confirms your transfer. After that it comes down to how busy the network is.
Which network will XLM arrive in?
Stellar leaves in its own Stellar network — a plain XLM address is all you need. Some exchanges and wallets also need a Memo.
What if the rate moves while I am paying?
The rate is pinned to the order and does not move while the order is alive. It can be recalculated if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.
What did the POL to XLM rate do this month?
The month came in at plus 8.11%. Low 0.491547, high 0.544534, middle 0.518745 XLM per POL.
Can I go back, XLM to POL?
Yes, the reverse direction is open: 1 XLM = 1.8353 POL. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send POL, receive something else
POL → XMR0.000153722
POL → XRP0.0740046
POL → XTZ0.363751
POL → YFI0.0000455922
POL → ZBT1.296
POL → ZEC0.0000741282
POL → ZRO0.0509012
POL → ZRX0.936356
