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  1. Swap Tether (USDT Optimism) for USD Coin (USDC XLM)

Swap Tether (USDT Optimism) 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 2, 2026 01:09

Payout network
XLM
24 hours
−0.01%
You get 0.9995 USDC XLM
Start the order
Rate
1 USDT Optimism = 0.9995 USDC XLM
Up to
10,000,000 USDT Optimism

The figure is indicative; the exact amount is locked in the order.

The direction runs at 0.9995 USDC XLM per USDT Optimism, or 1.0005 USDT Optimism per USDC XLM. Market over 24 hours: USDT Optimism against USDC XLM minus 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 ($179.97 B) and USD Coin 6th ($71.5 B). Daily moves of USDT and USDC over 90 days line up at 0.11 (they travel apart).

Who takes the USDT Optimism → USDC XLM route

  • A road both waysThe USDC XLM → USDT Optimism direction is open too, so going back into USDT takes the same route.

USDT Optimism → USDC XLM rate and amounts

1 USDT Optimism = 0.9995 USDC XLM
1 USDC XLM = 1.0005 USDT Optimism

Send USDT Optimism — receive USDC XLM

USDT OptimismUSDC XLM
2019.99
10099.95
500499.7502
5,0004,997.5
20,00019,990.01
100,00099,950.03

Need USDC XLM — send this much USDT Optimism

USDC XLMUSDT Optimism
2020.01
100100.05
500500.25
5,0005,002.5
20,00020,010
100,000100,049.99

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.

NetworkPer USDT OptimismFromNetwork feeSpeed
Ethereum (ERC20)0.9995200 USDT Optimism≈ $0.0063medium
Solana0.9995200 USDT Optimism≈ $0.00047fast
Polygon0.9995200 USDT Optimism≈ $0.0016fast
Arbitrum One0.9995—≈ $0.003fast
BASE0.9995———
BNB Smart Chain (BEP20)0.9995—≈ $0.0023fast
Avalanche C-Chain0.9995—≈ $0.0014fast
NEAR0.9995———
Optimism0.9995—≈ $0.00015fast
XLM open now0.9995———

USDC network fees

How the USDT Optimism → USDC XLM order runs

  1. Work out the amount in the calculator and press the exchange button.
  2. Enter a USDC address in XLM and a way to reach you.
  3. Send USDT Optimism in Optimism for exactly the amount stated in the order.
  4. Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.

Swap USDT Optimism for USDC XLM

Check this before sending USDT Optimism

  • 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 Optimism to USDC XLM rate has been

high 0.999745 USDC XLMlow 0.998807 USDC XLM
Oct 26, 2026 01:11Nov 2, 2026 01:11
high 0.999991 USDC XLMlow 0.999117 USDC XLM
Oct 2, 2026 03:00Nov 1, 2026 03:00
high 1.0002 USDC XLMlow 0.999117 USDC XLM
Aug 3, 2026 03:00Nov 1, 2026 03:00
high 1.0031 USDC XLMlow 0.996801 USDC XLM
Nov 2, 2025 03:00Nov 1, 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 23:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far USDT Optimism/USDC XLM travelled, by period

PeriodHighLowMiddleNet move
24 hours0.9995320.9994020.999482−0.01%
Week0.9997450.9988070.9994250%
Month0.9999910.9991170.999544−0.03%
Quarter1.00020.9991170.999735−0.02%

Figures are in USDC XLM per unit sent, from market data.

Daily USDT Optimism → USDC XLM rate

DayCloseAgainst the day before
Nov 1, 20260.999471 USDC XLM+0.01%
Oct 31, 20260.999338 USDC XLM+0.02%
Oct 30, 20260.999176 USDC XLM−0.04%
Oct 29, 20260.999561 USDC XLM+0.01%
Oct 28, 20260.999478 USDC XLM+0.02%
Oct 27, 20260.999325 USDC XLM0%
Oct 26, 20260.999282 USDC XLM−0.03%

Daily RubyCash rate: USDT Optimism → USDC XLM

DateRubyCash rateMarket rate
Nov 1, 20260.9994 USDC XLM0.999432
Oct 31, 20260.998702 USDC XLM0.999476
Oct 30, 20260.998403 USDC XLM0.999365
Oct 29, 20260.998802 USDC XLM0.999407
Oct 28, 20260.999301 USDC XLM0.999585
Oct 27, 20260.998802 USDC XLM0.999479
Oct 26, 20260.998702 USDC XLM0.999358
Oct 25, 20260.999001 USDC XLM0.999502
Oct 24, 20260.998802 USDC XLM0.999553
Oct 22, 20260.999201 USDC XLM0.999452
Oct 21, 20260.999201 USDC XLM0.999671
Oct 20, 20260.9994 USDC XLM0.999452
Oct 19, 20260.999101 USDC XLM0.999297
Oct 18, 20260.998901 USDC XLM0.999412

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
$0.99916
24 hours
−0.04%
Week
+0.01%
Market cap
$179.97 B
24-hour turnover
$25.81 B
Rank by cap
#3
In circulation
180.12 B USDT
Record price
$1.32
USD Coin USDC
Price
$0.999728
24 hours
−0.03%
Week
+0.01%
Market cap
$71.5 B
24-hour turnover
$6.06 B
Rank by cap
#6
In circulation
71.52 B USDC
Record price
$1.04

Source: CoinGecko, Nov 1, 2026 23:54.

Tether against USD Coin

Tether (USDT)USD Coin (USDC)
TickerUSDTUSDC
Typetokentoken
NetworkOptimismXLM
Fees are paid inETH—
Launched20142018
Built byTether LimitedCircle
Supply capno capno cap
In circulation180.12 B USDT71.52 B USDC
Market cap$179.97 B$71.5 B
Rank by cap#3#6

Daily moves of USDT and USDC over 90 days line up at 0.11 — they travel apart.

Common questions: USDT Optimism → USDC XLM

What rate does USDT Optimism to USDC XLM run at?
As of Nov 2, 2026 01:09 it is 1 USDT Optimism = 0.9995 USDC XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.999228.
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 Optimism, and that one goes to the blockchain, not to us.
How long does USDT Optimism to USDC XLM take?
The clock starts with confirmations: the order goes into work once Optimism 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 Optimism to USDC XLM rate do this month?
The month came in at minus 0.03%. Low 0.999117, high 0.999991, middle 0.999544 USDC XLM per USDT Optimism.
Can I go back, USDC XLM to USDT Optimism?
Yes, the reverse direction is open: 1 USDC XLM = 1.0007 USDT Optimism. The link sits right under the calculator.

Worth reading

Where else this can go

The other way round

Send USDT Optimism, receive something else

Receive USDC XLM, send something else

USDT Optimism USDC XLM All directions All currencies

Tether (USDT) against USD Coin (USDC)

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