Swap USD Coin (USDC NEAR) 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 Sep 17, 2026 09:58
- Payout network
- Stellar
- 24 hours
- −3.08%
The direction runs at 5.4911 XLM per USDC NEAR, or 0.182113 USDC NEAR per XLM. Market over 24 hours: USDC NEAR against XLM minus 3.08%. The week added minus 1.52%.
The weekly corridor ran from 5.104 to 5.7528 XLM, a spread of 12.71%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap USD Coin sits 6th ($73.69 B) and Stellar 20th ($6.35 B). Daily moves of USDC and XLM over 90 days line up at 0.03 (they travel apart).
Who takes the USDC NEAR → XLM route
- Entering XLM from dollarsFrom USDC you step into Stellar directly, with no coin in between: over the past month XLM moved +15.35%.
- 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 USDC and XLM over 90 days line up at 0.03 (they travel apart) — the looser the link, the less a portfolio depends on one coin.
USDC NEAR → XLM rate and amounts
1 USDC NEAR = 5.4911 XLM
1 XLM = 0.182113 USDC NEAR
Send USDC NEAR — receive XLM
| USDC NEAR | XLM |
|---|---|
| 20 | 109.822 |
| 100 | 549.1099 |
| 500 | 2,745.55 |
| 5,000 | 27,455.5 |
| 20,000 | 109,821.99 |
| 100,000 | 549,109.93 |
Need XLM — send this much USDC NEAR
| XLM | USDC NEAR |
|---|---|
| 100 | 18.2113 |
| 500 | 91.0564 |
| 2,000 | 364.2258 |
| 20,000 | 3,642.26 |
| 100,000 | 18,211.29 |
| 500,000 | 91,056.45 |
How the USDC NEAR → 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 USDC NEAR in NEAR 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 USDC NEAR
- 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 USDC NEAR to XLM rate has been
high 5.7528 XLMlow 5.104 XLM
Sep 10, 2026 09:58Sep 17, 2026 09:58
high 6.4613 XLMlow 4.9547 XLM
Aug 18, 2026 03:00Sep 17, 2026 03:00
high 6.4613 XLMlow 4.2641 XLM
Jun 19, 2026 03:00Sep 17, 2026 03:00
high 6.9744 XLMlow 2.4385 XLM
Sep 18, 2025 03:00Sep 17, 2026 03:00
- 24 hours
- −3.08%
- Week
- −1.52%
- Weekly high
- 5.7528 XLM
- Weekly low
- 5.104 XLM
- Spread
- 12.71%
Market data from CoinGecko as of Sep 17, 2026 08:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far USDC NEAR/XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 5.7528 | 5.4145 | 5.6088 | −3.08% |
| Week | 5.7528 | 5.104 | 5.5123 | −1.52% |
| Month | 6.4613 | 4.9547 | 5.5222 | −13.32% |
| Quarter | 6.4613 | 4.2641 | 5.5316 | +28.58% |
Figures are in XLM per unit sent, from market data.
Daily USDC NEAR → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 17, 2026 | 5.4829 XLM | −3.47% |
| Sep 16, 2026 | 5.68 XLM | +8.86% |
| Sep 15, 2026 | 5.2178 XLM | −7.51% |
| Sep 14, 2026 | 5.6414 XLM | +1.53% |
| Sep 13, 2026 | 5.5565 XLM | −0.93% |
| Sep 12, 2026 | 5.6089 XLM | −2.01% |
| Sep 11, 2026 | 5.724 XLM | +3.7% |
The numbers on USDC and XLM
USD Coin USDC- Price
- $0.999596
- 24 hours
- −0.01%
- Week
- 0%
- Market cap
- $73.69 B
- 24-hour turnover
- $18.44 B
- Rank by cap
- #6
- In circulation
- 73.72 B USDC
- Record price
- $1.04
Stellar XLM- Price
- $0.182244
- 24 hours
- +3.16%
- Week
- +1.4%
- Market cap
- $6.35 B
- 24-hour turnover
- $267.34 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
Source: CoinGecko, Sep 17, 2026 08:24.
USD Coin against Stellar
| USD Coin (USDC) | Stellar (XLM) | |
|---|---|---|
| Ticker | USDC | XLM |
| Type | token | coin of its own network |
| Network | NEAR | — |
| Launched | 2018 | 2014 |
| Built by | Circle | Jed McCaleb, Joyce Kim |
| Supply cap | no cap | 50 B XLM |
| In circulation | 73.72 B USDC | 34.85 B XLM |
| Market cap | $73.69 B | $6.35 B |
| Rank by cap | #6 | #20 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Daily moves of USDC and XLM over 90 days line up at 0.03 — they travel apart.
Common questions: USDC NEAR → XLM
What rate does USDC NEAR to XLM run at?
As of Sep 17, 2026 09:58 it is 1 USDC NEAR = 5.4911 XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.00.
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 USDC NEAR, and that one goes to the blockchain, not to us.
How long does USDC NEAR to XLM take?
The clock starts with confirmations: the order goes into work once NEAR 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 USDC NEAR to XLM rate do this month?
The month came in at minus 13.32%. Low 4.9547, high 6.4613, middle 5.5222 XLM per USDC NEAR.
Can I go back, XLM to USDC NEAR?
Yes, the reverse direction is open: 1 XLM = 0.183582 USDC NEAR. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send USDC NEAR, receive something else
USDC NEAR → XMR0.00203305
USDC NEAR → XRP0.771024
USDC NEAR → XTZ4.0393
USDC NEAR → YFI0.000485336
USDC NEAR → ZBT13.0287
USDC NEAR → ZEC0.00073987
USDC NEAR → ZRO0.974263
USDC NEAR → ZRX9.3846
