Swap Tether (USDT 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 Sep 17, 2026 17:53
- Payout network
- Stellar
- 24 hours
- −4.82%
One USDT Polygon buys 5.4181 XLM right now; the other way round, 1 XLM is 0.184567 USDT Polygon. Market over 24 hours: USDT Polygon against XLM minus 4.82%. The week added minus 1.08%.
The weekly corridor ran from 5.0874 to 5.7671 XLM, a spread of 13.36%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap Tether sits 3th ($183.29 B) and Stellar 20th ($6.41 B). Daily moves of USDT and XLM over 90 days line up at 0.13 (they travel apart).
Who takes the USDT Polygon → XLM route
- Entering XLM from dollarsFrom USDT you step into Stellar directly, with no coin in between: over the past month XLM moved +15.35%.
- 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 USDT and XLM over 90 days line up at 0.13 (they travel apart) — the looser the link, the less a portfolio depends on one coin.
USDT Polygon → XLM rate and amounts
1 USDT Polygon = 5.4181 XLM
1 XLM = 0.184567 USDT Polygon
Send USDT Polygon — receive XLM
| USDT Polygon | XLM |
|---|---|
| 20 | 108.3619 |
| 100 | 541.8094 |
| 500 | 2,709.05 |
| 5,000 | 27,090.47 |
| 20,000 | 108,361.89 |
| 100,000 | 541,809.44 |
Need XLM — send this much USDT Polygon
| XLM | USDT Polygon |
|---|---|
| 100 | 18.4567 |
| 500 | 92.2834 |
| 2,000 | 369.1335 |
| 20,000 | 3,691.33 |
| 100,000 | 18,456.67 |
| 500,000 | 92,283.37 |
How the USDT 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 USDT 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 USDT 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 USDT Polygon to XLM rate has been
high 5.7671 XLMlow 5.0874 XLM
Sep 10, 2026 17:56Sep 17, 2026 17:56
high 6.4591 XLMlow 4.9542 XLM
Aug 18, 2026 03:00Sep 17, 2026 03:00
high 6.4591 XLMlow 4.2624 XLM
Jun 19, 2026 03:00Sep 17, 2026 03:00
high 6.97 XLMlow 2.4399 XLM
Sep 18, 2025 03:00Sep 17, 2026 03:00
- 24 hours
- −4.82%
- Week
- −1.08%
- Weekly high
- 5.7671 XLM
- Weekly low
- 5.0874 XLM
- Spread
- 13.36%
Market data from CoinGecko as of Sep 17, 2026 15:54; the exchange rate is calculated separately and differs. Where these numbers come from
How far USDT Polygon/XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 5.7671 | 5.4277 | 5.5574 | −4.82% |
| Week | 5.7671 | 5.0874 | 5.5074 | −1.08% |
| Month | 6.4591 | 4.9542 | 5.5217 | −13.32% |
| Quarter | 6.4591 | 4.2624 | 5.53 | +28.58% |
Figures are in XLM per unit sent, from market data.
Daily USDT Polygon → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 17, 2026 | 5.4807 XLM | −3.48% |
| Sep 16, 2026 | 5.6785 XLM | +8.83% |
| Sep 15, 2026 | 5.2177 XLM | −7.5% |
| Sep 14, 2026 | 5.6405 XLM | +1.52% |
| Sep 13, 2026 | 5.5562 XLM | −0.94% |
| Sep 12, 2026 | 5.6087 XLM | −2% |
| Sep 11, 2026 | 5.7229 XLM | +3.7% |
The numbers on USDT and XLM
Tether USDT- Price
- $0.999175
- 24 hours
- −0.02%
- Week
- 0%
- Market cap
- $183.29 B
- 24-hour turnover
- $60.77 B
- Rank by cap
- #3
- In circulation
- 183.44 B USDT
- Record price
- $1.32
Stellar XLM- Price
- $0.183918
- 24 hours
- +5.05%
- Week
- +1.5%
- Market cap
- $6.41 B
- 24-hour turnover
- $237.91 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
Source: CoinGecko, Sep 17, 2026 15:54.
Tether against Stellar
| Tether (USDT) | Stellar (XLM) | |
|---|---|---|
| Ticker | USDT | XLM |
| Type | token | coin of its own network |
| Network | Polygon | — |
| Fees are paid in | POL | — |
| Launched | 2014 | 2014 |
| Built by | Tether Limited | Jed McCaleb, Joyce Kim |
| Supply cap | no cap | 50 B XLM |
| In circulation | 183.44 B USDT | 34.85 B XLM |
| Market cap | $183.29 B | $6.41 B |
| Rank by cap | #3 | #20 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Daily moves of USDT and XLM over 90 days line up at 0.13 — they travel apart.
Common questions: USDT Polygon → XLM
What rate does USDT Polygon to XLM run at?
As of Sep 17, 2026 17:53 it is 1 USDT Polygon = 5.4181 XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.996485.
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 Polygon, and that one goes to the blockchain, not to us.
How long does USDT 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 USDT Polygon to XLM rate do this month?
The month came in at minus 13.32%. Low 4.9542, high 6.4591, middle 5.5217 XLM per USDT Polygon.
Can I go back, XLM to USDT Polygon?
Yes, the reverse direction is open: 1 XLM = 0.186055 USDT Polygon. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send USDT Polygon, receive something else
USDT Polygon → XMR0.00198081
USDT Polygon → XRP0.768589
USDT Polygon → XTZ4.0473
USDT Polygon → YFI0.000481819
USDT Polygon → ZBT12.9189
USDT Polygon → ZEC0.000701306
USDT Polygon → ZRO0.97521
USDT Polygon → ZRX9.3605
