Swap Tether (USDT ERC20) 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 02:23
- Payout network
- Stellar
- 24 hours
- −2.77%
One USDT ERC20 buys 5.492 XLM right now; the other way round, 1 XLM is 0.182083 USDT ERC20. Market over 24 hours: USDT ERC20 against XLM minus 2.77%. The week added plus 0.93%.
The weekly corridor ran from 5.1037 to 5.7512 XLM, a spread of 12.69%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap Tether sits 3th ($183.33 B) and Stellar 20th ($6.28 B).
Who takes the USDT ERC20 → XLM route
- Entering XLM from dollarsFrom USDT you step into Stellar directly, with no coin in between and no extra fees.
- Fast paymentsA block in Stellar closes in about 5 sec, which is why Stellar is used for moving money rather than holding it.
- Different basketsHolding part of the amount in Stellar loosens a portfolio's dependence on a single coin.
USDT ERC20 → XLM rate and amounts
1 USDT ERC20 = 5.492 XLM
1 XLM = 0.182083 USDT ERC20
Send USDT ERC20 — receive XLM
| USDT ERC20 | XLM |
|---|---|
| 20 | 109.84 |
| 100 | 549.2002 |
| 500 | 2,746 |
| 5,000 | 27,460.01 |
| 20,000 | 109,840.04 |
| 100,000 | 549,200.18 |
Need XLM — send this much USDT ERC20
| XLM | USDT ERC20 |
|---|---|
| 100 | 18.2083 |
| 500 | 91.0415 |
| 2,000 | 364.1659 |
| 20,000 | 3,641.66 |
| 100,000 | 18,208.3 |
| 500,000 | 91,041.49 |
How the USDT ERC20 → 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 USDT ERC20 in Ethereum (ERC20) 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 USDT ERC20
- 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 USDT ERC20 to XLM rate has been
high 5.7512 XLMlow 5.1037 XLM
Sep 10, 2026 02:24Sep 17, 2026 02:24
- 24 hours
- −2.77%
- Week
- +0.93%
- Weekly high
- 5.7512 XLM
- Weekly low
- 5.1037 XLM
- Spread
- 12.69%
Market data from CoinGecko as of Sep 17, 2026 00:54; the exchange rate is calculated separately and differs. Where these numbers come from
How far USDT ERC20/XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 5.7512 | 5.5159 | 5.6728 | −2.77% |
| Week | 5.7512 | 5.1037 | 5.5149 | +0.93% |
Figures are in XLM per unit sent, from market data.
The numbers on USDT and XLM
Tether USDT- Price
- $0.99939
- 24 hours
- −0.01%
- Week
- −0.1%
- Market cap
- $183.33 B
- 24-hour turnover
- $59.59 B
- Rank by cap
- #3
- In circulation
- 183.44 B USDT
- Record price
- $1.32
Stellar XLM- Price
- $0.180306
- 24 hours
- +2.84%
- Week
- +0.4%
- Market cap
- $6.28 B
- 24-hour turnover
- $259.01 M
- Rank by cap
- #20
- In circulation
- 34.84 B XLM
- Record price
- $0.875563
Source: CoinGecko, Sep 17, 2026 00:54.
Tether against Stellar
| Tether (USDT) | Stellar (XLM) | |
|---|---|---|
| Ticker | USDT | XLM |
| Type | token | coin of its own network |
| Network | Ethereum (ERC20) | — |
| Fees are paid in | ETH | — |
| Launched | 2014 | 2014 |
| Built by | Tether Limited | Jed McCaleb, Joyce Kim |
| Supply cap | no cap | 50 B XLM |
| In circulation | 183.44 B USDT | 34.84 B XLM |
| Market cap | $183.33 B | $6.28 B |
| Rank by cap | #3 | #20 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Common questions: USDT ERC20 → XLM
What rate does USDT ERC20 to XLM run at?
As of Sep 17, 2026 02:23 it is 1 USDT ERC20 = 5.492 XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.990241.
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 USDT ERC20, and that one goes to the blockchain, not to us.
How long does USDT ERC20 to XLM take?
The clock starts with confirmations: the order goes into work once Ethereum (ERC20) 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.
Can I go back, XLM to USDT ERC20?
Yes, the reverse direction is open: 1 XLM = 0.183551 USDT ERC20. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send USDT ERC20, receive something else
USDT ERC20 → XMR0.0020444
USDT ERC20 → XRP0.772587
USDT ERC20 → XTZ3.9976
USDT ERC20 → YFI0.000488303
USDT ERC20 → ZBT13.1047
USDT ERC20 → ZEC0.000750812
USDT ERC20 → ZRO1.0199
USDT ERC20 → ZRX9.3518
