Swap USD Coin (USDC Polygon) 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 3, 2026 00:09
- Payout network
- Stellar
- 24 hours
- +1.19%
Today USDC Polygon goes for 6.1047 XLM, and XLM goes for 0.163809 USDC Polygon. Market over 24 hours: USDC Polygon against XLM plus 1.19%. The week added plus 1.63%.
The weekly corridor ran from 5.7571 to 6.2078 XLM, a spread of 7.83%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap USD Coin sits 6th ($71.15 B) and Stellar 19th ($5.82 B). Daily moves of USDC and XLM over 90 days line up at 0.06 (they travel apart).
Who takes the USDC Polygon → XLM route
- Entering XLM from dollarsFrom USDC you step into Stellar directly, with no coin in between: over the past month XLM moved −22.38%.
- 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 0.06 (they travel apart) — the looser the link, the less a portfolio depends on one coin.
USDC Polygon → XLM rate and amounts
1 USDC Polygon = 6.1047 XLM
1 XLM = 0.163809 USDC Polygon
Send USDC Polygon — receive XLM
| USDC Polygon | XLM |
|---|---|
| 20 | 122.0935 |
| 100 | 610.4677 |
| 500 | 3,052.34 |
| 5,000 | 30,523.38 |
| 20,000 | 122,093.53 |
| 100,000 | 610,467.67 |
Need XLM — send this much USDC Polygon
| XLM | USDC Polygon |
|---|---|
| 100 | 16.3809 |
| 500 | 81.9044 |
| 2,000 | 327.6177 |
| 20,000 | 3,276.18 |
| 100,000 | 16,380.88 |
| 500,000 | 81,904.42 |
How the USDC Polygon → 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 Polygon in Polygon 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 Polygon
- 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 Polygon to XLM rate has been
high 6.2078 XLMlow 5.7571 XLM
Oct 27, 2026 00:12Nov 3, 2026 00:12
high 6.1629 XLMlow 4.4653 XLM
Oct 3, 2026 03:00Nov 2, 2026 03:00
high 6.4613 XLMlow 4.3062 XLM
Aug 4, 2026 03:00Nov 2, 2026 03:00
high 6.9744 XLMlow 3.2786 XLM
Nov 3, 2025 03:00Nov 2, 2026 03:00
- 24 hours
- +1.19%
- Week
- +1.63%
- Weekly high
- 6.2078 XLM
- Weekly low
- 5.7571 XLM
- Spread
- 7.83%
Market data from CoinGecko as of Nov 2, 2026 23:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far USDC Polygon/XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 6.0466 | 5.9022 | 5.9682 | +1.19% |
| Week | 6.2078 | 5.7571 | 5.9266 | +1.63% |
| Month | 6.1629 | 4.4653 | 5.4183 | +28.77% |
| Quarter | 6.4613 | 4.3062 | 5.4586 | +2.38% |
Figures are in XLM per unit sent, from market data.
Daily USDC Polygon → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Nov 2, 2026 | 5.9776 XLM | +1.33% |
| Nov 1, 2026 | 5.8994 XLM | +0.77% |
| Oct 31, 2026 | 5.8541 XLM | −5.01% |
| Oct 30, 2026 | 6.1629 XLM | +6.25% |
| Oct 29, 2026 | 5.8002 XLM | −1.16% |
| Oct 28, 2026 | 5.8684 XLM | −0.67% |
| Oct 27, 2026 | 5.9077 XLM | −0.73% |
Daily RubyCash rate: USDC Polygon → XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 2, 2026 | 6.1039 XLM | 6.0551 |
| Nov 1, 2026 | 5.9769 XLM | 5.967 |
| Oct 31, 2026 | 5.9027 XLM | 5.874 |
| Oct 30, 2026 | 5.9376 XLM | 5.974 |
| Oct 29, 2026 | 6.1523 XLM | 6.1058 |
| Oct 28, 2026 | 5.8086 XLM | 5.7854 |
| Oct 27, 2026 | 5.8909 XLM | 5.8718 |
| Oct 26, 2026 | 5.9766 XLM | 5.9509 |
| Oct 25, 2026 | 5.9173 XLM | 5.8973 |
| Oct 24, 2026 | 5.8829 XLM | 5.8592 |
| Oct 22, 2026 | 5.6851 XLM | 5.6846 |
| Oct 21, 2026 | 5.4481 XLM | 5.3921 |
| Oct 20, 2026 | 5.4986 XLM | 5.502 |
| Oct 19, 2026 | 5.6483 XLM | 5.6692 |
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 USDC and XLM
USD Coin USDC- Price
- $0.999339
- 24 hours
- −0.04%
- Week
- 0%
- Market cap
- $71.15 B
- 24-hour turnover
- $13.88 B
- Rank by cap
- #6
- In circulation
- 71.19 B USDC
- Record price
- $1.04
Stellar XLM- Price
- $0.165041
- 24 hours
- −1.22%
- Week
- −2.26%
- Market cap
- $5.82 B
- 24-hour turnover
- $101.1 M
- Rank by cap
- #19
- In circulation
- 35.25 B XLM
- Record price
- $0.875563
Source: CoinGecko, Nov 2, 2026 23:24.
USD Coin against Stellar
| USD Coin (USDC) | Stellar (XLM) | |
|---|---|---|
| Ticker | USDC | XLM |
| Type | token | coin of its own network |
| Network | Polygon | — |
| Fees are paid in | POL | — |
| Launched | 2018 | 2014 |
| Built by | Circle | Jed McCaleb, Joyce Kim |
| Supply cap | no cap | 50 B XLM |
| In circulation | 71.19 B USDC | 35.25 B XLM |
| Market cap | $71.15 B | $5.82 B |
| Rank by cap | #6 | #19 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Daily moves of USDC and XLM over 90 days line up at 0.06 — they travel apart.
Common questions: USDC Polygon → XLM
What rate does USDC Polygon to XLM run at?
As of Nov 3, 2026 00:09 it is 1 USDC Polygon = 6.1047 XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.01.
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 Polygon, and that one goes to the blockchain, not to us.
How long does USDC Polygon to XLM take?
The clock starts with confirmations: the order goes into work once Polygon 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 Polygon to XLM rate do this month?
The month came in at plus 28.77%. Low 4.4653, high 6.1629, middle 5.4183 XLM per USDC Polygon.
Can I go back, XLM to USDC Polygon?
Yes, the reverse direction is open: 1 XLM = 0.16513 USDC Polygon. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send USDC Polygon, receive something else
USDC Polygon → XMR0.00164131
USDC Polygon → XRP0.802834
USDC Polygon → XTZ4.1108
USDC Polygon → YFI0.000523958
USDC Polygon → ZBT15.0271
USDC Polygon → ZEC0.000873965
USDC Polygon → ZRO0.587986
USDC Polygon → ZRX10.6675
