Swap USDS for USD Coin (USDC 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 04:24
- Payout network
- XLM
- 24 hours
- −0.02%
One USDS buys 1.0014 USDC XLM right now; the other way round, 1 USDC XLM is 0.998604 USDS. Market over 24 hours: USDS against USDC XLM minus 0.02%. The week added minus 0.02%.
The weekly corridor ran from 0.997404 to 1.0012 USDC XLM, a spread of 0.38%.
The payout leaves in the XLM network, so the receiving address has to belong to that network. By market cap USDS sits 14th ($9.58 B) and USD Coin 6th ($71.72 B). Daily moves of USDS and USDC over 90 days line up at 0.22 (they travel apart).
Who takes the USDS → USDC XLM route
- A road both waysThe USDC XLM → USDS direction is open too, so going back into USDS takes the same route.
USDS → USDC XLM rate and amounts
1 USDS = 1.0014 USDC XLM
1 USDC XLM = 0.998604 USDS
Send USDS — receive USDC XLM
| USDS | USDC XLM |
|---|---|
| 10 | 10.014 |
| 50 | 50.0699 |
| 200 | 200.2797 |
| 2,000 | 2,002.8 |
| 10,000 | 10,013.98 |
| 50,000 | 50,069.92 |
Need USDC XLM — send this much USDS
| USDC XLM | USDS |
|---|---|
| 10 | 9.986 |
| 50 | 49.9302 |
| 500 | 499.3018 |
| 2,000 | 1,997.21 |
| 20,000 | 19,972.07 |
| 100,000 | 99,860.36 |
Payout network for USDC
The same USDC goes out in several networks. Rates and lower limits differ, and the fee is charged by the network itself.
| Network | Per USDS | From | Network fee | Speed |
|---|---|---|---|---|
| Ethereum (ERC20) | 1.0014 | 200 USDS | ≈ $0.0047 | medium |
| Solana | 1.0014 | 200 USDS | ≈ $0.00048 | fast |
| Polygon | 1.0014 | 200 USDS | ≈ $0.0012 | fast |
| Arbitrum One | 1.0014 | — | ≈ $0.0029 | fast |
| BASE | 1.0014 | — | — | — |
| BNB Smart Chain (BEP20) | 1.0014 | — | ≈ $0.0023 | fast |
| Avalanche C-Chain | 1.0014 | — | ≈ $0.0014 | fast |
| NEAR | 1.0014 | — | — | — |
| Optimism | 1.0014 | — | ≈ $0.00015 | fast |
| XLM open now | 1.0014 | — | — | — |
How the USDS → USDC XLM order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDC address in XLM and a way to reach you.
- Send USDS in USDS for exactly the amount stated in the order.
- Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.
Check this before sending USDS
- The address network is XLM. Sending through another network usually means losing the transfer.
- 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 USDS to USDC XLM rate has been
high 1.0012 USDC XLMlow 0.997404 USDC XLM
Oct 25, 2026 04:28Nov 1, 2026 04:28
high 1.0011 USDC XLMlow 0.997755 USDC XLM
Oct 1, 2026 03:00Oct 31, 2026 03:00
high 1.0011 USDC XLMlow 0.997755 USDC XLM
Aug 2, 2026 03:00Oct 31, 2026 03:00
high 1.0011 USDC XLMlow 0.99745 USDC XLM
Nov 1, 2025 03:00Oct 31, 2026 03:00
- 24 hours
- −0.02%
- Week
- −0.02%
- Weekly high
- 1.0012 USDC XLM
- Weekly low
- 0.997404 USDC XLM
- Spread
- 0.38%
Market data from CoinGecko as of Nov 1, 2026 02:54; the exchange rate is calculated separately and differs. Where these numbers come from
How far USDS/USDC XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 1.0008 | 1.0006 | 1.0006 | −0.02% |
| Week | 1.0012 | 0.997404 | 1.0003 | −0.02% |
| Month | 1.0011 | 0.997755 | 1.0001 | +0.05% |
| Quarter | 1.0011 | 0.997755 | 1.0001 | −0.01% |
Figures are in USDC XLM per unit sent, from market data.
Daily USDS → USDC XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Oct 31, 2026 | 1.0003 USDC XLM | +0.26% |
| Oct 30, 2026 | 0.997755 USDC XLM | −0.25% |
| Oct 29, 2026 | 1.0002 USDC XLM | −0.02% |
| Oct 28, 2026 | 1.0004 USDC XLM | −0.03% |
| Oct 27, 2026 | 1.0007 USDC XLM | +0.03% |
| Oct 26, 2026 | 1.0004 USDC XLM | −0.03% |
| Oct 25, 2026 | 1.0007 USDC XLM | +0.04% |
Daily RubyCash rate: USDS → USDC XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 1, 2026 | 1.0015 USDC XLM | 1.001 |
| Oct 31, 2026 | 1.0003 USDC XLM | 1.001 |
| Oct 30, 2026 | 0.999601 USDC XLM | 1.0014 |
| Oct 29, 2026 | 0.997104 USDC XLM | 0.998757 |
| Oct 28, 2026 | 0.9996 USDC XLM | 1.0003 |
| Oct 27, 2026 | 0.999101 USDC XLM | 1.0004 |
| Oct 26, 2026 | 1.0001 USDC XLM | 1.0006 |
| Oct 25, 2026 | 0.9999 USDC XLM | 1.0004 |
| Oct 24, 2026 | 1.0004 USDC XLM | 1.0004 |
| Oct 22, 2026 | 1.0005 USDC XLM | 1.0005 |
| Oct 21, 2026 | 0.999301 USDC XLM | 1.0003 |
| Oct 20, 2026 | 0.9997 USDC XLM | 1.0002 |
| Oct 19, 2026 | 1.0003 USDC XLM | 1.0001 |
| Oct 18, 2026 | 0.9999 USDC XLM | 1.0002 |
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 USDS and USDC
USDS USDS- Price
- $1.00
- 24 hours
- 0%
- Week
- +0.04%
- Market cap
- $9.58 B
- 24-hour turnover
- $199.84 M
- Rank by cap
- #14
- In circulation
- 9.57 B USDS
- Record price
- $1.06
USD Coin USDC- Price
- $1.00
- 24 hours
- +0.02%
- Week
- +0.05%
- Market cap
- $71.72 B
- 24-hour turnover
- $5.96 B
- Rank by cap
- #6
- In circulation
- 71.72 B USDC
- Record price
- $1.04
Source: CoinGecko, Nov 1, 2026 02:54.
USDS against USD Coin
| USDS (USDS) | USD Coin (USDC) | |
|---|---|---|
| Ticker | USDS | USDC |
| In circulation | 9.57 B USDS | 71.72 B USDC |
| Market cap | $9.58 B | $71.72 B |
| Rank by cap | #14 | #6 |
| Type | — | token |
| Network | — | XLM |
| Launched | — | 2018 |
| Built by | — | Circle |
| Supply cap | — | no cap |
Daily moves of USDS and USDC over 90 days line up at 0.22 — they travel apart.
Common questions: USDS → USDC XLM
What rate does USDS to USDC XLM run at?
As of Nov 1, 2026 04:24 it is 1 USDS = 1.0014 USDC 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 USDS, and that one goes to the blockchain, not to us.
How long does USDS to USDC XLM take?
The clock starts with confirmations: the order goes into work once USDS confirms your transfer. After that it comes down to how busy the network is.
Which network will USDC XLM arrive in?
The payout leaves in XLM. Make sure the receiving wallet works with that network.
Where is receiving USDC cheaper?
The cheapest is usually USDC SOL, USDC Polygon, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC Optimism. Still, the network is chosen by what the recipient supports, not by the fee.
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 USDS to USDC XLM rate do this month?
The month came in at plus 0.05%. Low 0.997755, high 1.0011, middle 1.0001 USDC XLM per USDS.
Can I go back, USDC XLM to USDS?
Yes, the reverse direction is open: 1 USDC XLM = 0.998803 USDS. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send USDS, receive something else
USDS → USDT Arbitrum1.0028- USDS → USDT BEP201.0028
- USDS → USDT AVAX C1.0028
- USDS → USDT ERC201.0028
- USDS → USDT NEAR1.0028
- USDS → USDT OMNI1.0028
- USDS → USDT Optimism1.0028
- USDS → USDT Polygon1.0028
