Swap Tether (USDT NEAR) 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 01:44
- Payout network
- XLM
- 24 hours
- +0.01%
One USDT NEAR buys 0.998702 USDC XLM right now; the other way round, 1 USDC XLM is 1.0013 USDT NEAR. Market over 24 hours: USDT NEAR against USDC XLM plus 0.01%. The week added a move of 0%.
The weekly corridor ran from 0.998807 to 0.999745 USDC XLM, a spread of 0.09%.
The payout leaves in the XLM network, so the receiving address has to belong to that network. By market cap Tether sits 3th ($180.03 B) and USD Coin 6th ($71.72 B). Daily moves of USDT and USDC over 90 days line up at 0.12 (they travel apart).
Who takes the USDT NEAR → USDC XLM route
- A road both waysThe USDC XLM → USDT NEAR direction is open too, so going back into USDT takes the same route.
USDT NEAR → USDC XLM rate and amounts
1 USDT NEAR = 0.998702 USDC XLM
1 USDC XLM = 1.0013 USDT NEAR
Send USDT NEAR — receive USDC XLM
| USDT NEAR | USDC XLM |
|---|---|
| 20 | 19.974 |
| 100 | 99.8702 |
| 500 | 499.3509 |
| 5,000 | 4,993.51 |
| 20,000 | 19,974.04 |
| 100,000 | 99,870.18 |
Need USDC XLM — send this much USDT NEAR
| USDC XLM | USDT NEAR |
|---|---|
| 10 | 10.013 |
| 50 | 50.065 |
| 500 | 500.6499 |
| 2,000 | 2,002.6 |
| 20,000 | 20,026 |
| 100,000 | 100,129.99 |
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 USDT NEAR | From | Network fee | Speed |
|---|---|---|---|---|
| Ethereum (ERC20) | 0.998702 | 200 USDT NEAR | ≈ $0.0058 | medium |
| Solana | 0.998702 | 200 USDT NEAR | ≈ $0.00048 | fast |
| Polygon | 0.998702 | 200 USDT NEAR | ≈ $0.0019 | fast |
| Arbitrum One | 0.998702 | — | ≈ $0.0029 | fast |
| BASE | 0.998702 | — | — | — |
| BNB Smart Chain (BEP20) | 0.998702 | — | ≈ $0.0023 | fast |
| Avalanche C-Chain | 0.998702 | — | ≈ $0.0014 | fast |
| NEAR | 0.998702 | — | — | — |
| Optimism | 0.998702 | — | ≈ $0.00015 | fast |
| XLM open now | 0.998702 | — | — | — |
How the USDT NEAR → 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 USDT NEAR in NEAR 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 USDT NEAR
- 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 USDT NEAR to USDC XLM rate has been
high 0.999745 USDC XLMlow 0.998807 USDC XLM
Oct 25, 2026 01:45Nov 1, 2026 01:45
high 0.999991 USDC XLMlow 0.999117 USDC XLM
Oct 1, 2026 03:00Oct 31, 2026 03:00
high 1.0002 USDC XLMlow 0.999117 USDC XLM
Aug 2, 2026 03:00Oct 31, 2026 03:00
high 1.0031 USDC XLMlow 0.996801 USDC XLM
Nov 1, 2025 03:00Oct 31, 2026 03:00
- 24 hours
- +0.01%
- Week
- 0%
- Weekly high
- 0.999745 USDC XLM
- Weekly low
- 0.998807 USDC XLM
- Spread
- 0.09%
Market data from CoinGecko as of Nov 1, 2026 01:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far USDT NEAR/USDC XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 0.999532 | 0.999299 | 0.99938 | +0.01% |
| Week | 0.999745 | 0.998807 | 0.999428 | 0% |
| Month | 0.999991 | 0.999117 | 0.999555 | −0.04% |
| Quarter | 1.0002 | 0.999117 | 0.999738 | −0.03% |
Figures are in USDC XLM per unit sent, from market data.
Daily USDT NEAR → USDC XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Oct 31, 2026 | 0.99938 USDC XLM | +0.02% |
| Oct 30, 2026 | 0.999176 USDC XLM | −0.04% |
| Oct 29, 2026 | 0.999561 USDC XLM | +0.01% |
| Oct 28, 2026 | 0.999478 USDC XLM | +0.02% |
| Oct 27, 2026 | 0.999325 USDC XLM | 0% |
| Oct 26, 2026 | 0.999282 USDC XLM | −0.03% |
| Oct 25, 2026 | 0.99955 USDC XLM | +0.01% |
Daily RubyCash rate: USDT NEAR → USDC XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Oct 31, 2026 | 0.998702 USDC XLM | 0.999516 |
| Oct 30, 2026 | 0.998403 USDC XLM | 0.999365 |
| Oct 29, 2026 | 0.998802 USDC XLM | 0.999407 |
| Oct 28, 2026 | 0.999301 USDC XLM | 0.999585 |
| Oct 27, 2026 | 0.998802 USDC XLM | 0.999479 |
| Oct 26, 2026 | 0.998702 USDC XLM | 0.999358 |
| Oct 25, 2026 | 0.999001 USDC XLM | 0.999502 |
| Oct 24, 2026 | 0.998802 USDC XLM | 0.999553 |
| Oct 22, 2026 | 0.999201 USDC XLM | 0.999452 |
| Oct 21, 2026 | 0.999201 USDC XLM | 0.999671 |
| Oct 20, 2026 | 0.9994 USDC XLM | 0.999452 |
| Oct 19, 2026 | 0.999101 USDC XLM | 0.999297 |
| Oct 18, 2026 | 0.998901 USDC XLM | 0.999412 |
| Oct 17, 2026 | 0.998602 USDC XLM | 0.999301 |
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 USDT and USDC
Tether USDT- Price
- $0.999476
- 24 hours
- +0.04%
- Week
- +0.03%
- Market cap
- $180.03 B
- 24-hour turnover
- $27.63 B
- Rank by cap
- #3
- In circulation
- 180.12 B USDT
- Record price
- $1.32
USD Coin USDC- Price
- $1.00
- 24 hours
- +0.03%
- Week
- +0.04%
- Market cap
- $71.72 B
- 24-hour turnover
- $6.1 B
- Rank by cap
- #6
- In circulation
- 71.72 B USDC
- Record price
- $1.04
Source: CoinGecko, Nov 1, 2026 01:24.
Tether against USD Coin
| Tether (USDT) | USD Coin (USDC) | |
|---|---|---|
| Ticker | USDT | USDC |
| Type | token | token |
| Network | NEAR | XLM |
| Launched | 2014 | 2018 |
| Built by | Tether Limited | Circle |
| Supply cap | no cap | no cap |
| In circulation | 180.12 B USDT | 71.72 B USDC |
| Market cap | $180.03 B | $71.72 B |
| Rank by cap | #3 | #6 |
Daily moves of USDT and USDC over 90 days line up at 0.12 — they travel apart.
Common questions: USDT NEAR → USDC XLM
What rate does USDT NEAR to USDC XLM run at?
As of Nov 1, 2026 01:44 it is 1 USDT NEAR = 0.998702 USDC XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.998702.
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 NEAR, and that one goes to the blockchain, not to us.
How long does USDT NEAR to USDC 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 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 USDT NEAR to USDC XLM rate do this month?
The month came in at minus 0.04%. Low 0.999117, high 0.999991, middle 0.999555 USDC XLM per USDT NEAR.
Can I go back, USDC XLM to USDT NEAR?
Yes, the reverse direction is open: 1 USDC XLM = 1.0015 USDT NEAR. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send USDT NEAR, receive something else
USDT NEAR → USDS0.998502- USDT NEAR → USDT Arbitrum1.0001
- USDT NEAR → USDT BEP201.0001
- USDT NEAR → USDT AVAX C1.0001
- USDT NEAR → USDT ERC201.0001
- USDT NEAR → USDT OMNI1.0001
- USDT NEAR → USDT Optimism1.0001
- USDT NEAR → USDT Polygon1.0001
Receive USDC XLM, send something else
- USDT OMNI → USDC XLM0.998702
- USDT Optimism → USDC XLM0.998702
- USDT Polygon → USDC XLM0.998702
- USDT SOL → USDC XLM0.998702
- USDT TON → USDC XLM0.998702
- USDT TRC20 → USDC XLM0.998702
WIF → USDC XLM0.175541
XAI → USDC XLM0.00706787
