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 Nov 1, 2026 20:19
- Payout network
- Stellar
- 24 hours
- +0.9%
One USDT Polygon buys 5.9627 XLM right now; the other way round, 1 XLM is 0.167709 USDT Polygon. Market over 24 hours: USDT Polygon against XLM plus 0.9%. The week added plus 0.21%.
The weekly corridor ran from 5.7655 to 6.1991 XLM, a spread of 7.52%.
Exchange wallets usually ask for a Memo — copy it from the recipient side before you start. By market cap Tether sits 3th ($180.01 B) and Stellar 19th ($5.92 B). Daily moves of USDT and XLM over 90 days line up at 0.17 (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 −23.08%.
- 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 0.17 (they travel apart) — the looser the link, the less a portfolio depends on one coin.
USDT Polygon → XLM rate and amounts
1 USDT Polygon = 5.9627 XLM
1 XLM = 0.167709 USDT Polygon
Send USDT Polygon — receive XLM
| USDT Polygon | XLM |
|---|---|
| 20 | 119.2541 |
| 100 | 596.2707 |
| 500 | 2,981.35 |
| 5,000 | 29,813.54 |
| 20,000 | 119,254.15 |
| 100,000 | 596,270.74 |
Need XLM — send this much USDT Polygon
| XLM | USDT Polygon |
|---|---|
| 100 | 16.7709 |
| 500 | 83.8545 |
| 2,000 | 335.4181 |
| 20,000 | 3,354.18 |
| 100,000 | 16,770.91 |
| 500,000 | 83,854.53 |
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 6.1991 XLMlow 5.7655 XLM
Oct 25, 2026 20:20Nov 1, 2026 20:20
high 6.1578 XLMlow 4.4649 XLM
Oct 2, 2026 03:00Nov 1, 2026 03:00
high 6.4591 XLMlow 4.3053 XLM
Aug 3, 2026 03:00Nov 1, 2026 03:00
high 6.9778 XLMlow 3.2777 XLM
Nov 2, 2025 03:00Nov 1, 2026 03:00
- 24 hours
- +0.9%
- Week
- +0.21%
- Weekly high
- 6.1991 XLM
- Weekly low
- 5.7655 XLM
- Spread
- 7.52%
Market data from CoinGecko as of Nov 1, 2026 16:54; 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 | 5.9377 | 5.8636 | 5.9054 | +0.9% |
| Week | 6.1991 | 5.7655 | 5.9186 | +0.21% |
| Month | 6.1578 | 4.4649 | 5.3712 | +29.95% |
| Quarter | 6.4591 | 4.3053 | 5.4549 | +3.31% |
Figures are in XLM per unit sent, from market data.
Daily USDT Polygon → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Nov 1, 2026 | 5.9303 XLM | +1.37% |
| Oct 31, 2026 | 5.8502 XLM | −5% |
| Oct 30, 2026 | 6.1578 XLM | +6.21% |
| Oct 29, 2026 | 5.7976 XLM | −1.15% |
| Oct 28, 2026 | 5.8653 XLM | −0.65% |
| Oct 27, 2026 | 5.9037 XLM | −0.72% |
| Oct 26, 2026 | 5.9467 XLM | +2.02% |
Daily RubyCash rate: USDT Polygon → XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 1, 2026 | 5.9627 XLM | 5.9496 |
| Oct 31, 2026 | 5.8975 XLM | 5.8709 |
| Oct 30, 2026 | 5.9317 XLM | 5.9702 |
| Oct 29, 2026 | 6.1338 XLM | 6.1021 |
| Oct 28, 2026 | 5.8079 XLM | 5.783 |
| Oct 27, 2026 | 5.8853 XLM | 5.8688 |
| Oct 26, 2026 | 5.978 XLM | 5.9471 |
| Oct 25, 2026 | 5.9187 XLM | 5.8944 |
| Oct 24, 2026 | 5.8719 XLM | 5.8566 |
| Oct 22, 2026 | 5.6919 XLM | 5.6814 |
| Oct 21, 2026 | 5.4407 XLM | 5.3903 |
| Oct 20, 2026 | 5.4959 XLM | 5.499 |
| Oct 19, 2026 | 5.6368 XLM | 5.6652 |
| Oct 18, 2026 | 5.6607 XLM | 5.6578 |
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 XLM
Tether USDT- Price
- $0.999452
- 24 hours
- +0.02%
- Week
- +0.03%
- Market cap
- $180.01 B
- 24-hour turnover
- $26.83 B
- Rank by cap
- #3
- In circulation
- 180.12 B USDT
- Record price
- $1.32
Stellar XLM- Price
- $0.167986
- 24 hours
- −0.88%
- Week
- −0.92%
- Market cap
- $5.92 B
- 24-hour turnover
- $78.85 M
- Rank by cap
- #19
- In circulation
- 35.25 B XLM
- Record price
- $0.875563
Source: CoinGecko, Nov 1, 2026 16:54.
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 | 180.12 B USDT | 35.25 B XLM |
| Market cap | $180.01 B | $5.92 B |
| Rank by cap | #3 | #19 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Daily moves of USDT and XLM over 90 days line up at 0.17 — they travel apart.
Common questions: USDT Polygon → XLM
What rate does USDT Polygon to XLM run at?
As of Nov 1, 2026 20:19 it is 1 USDT Polygon = 5.9627 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 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 plus 29.95%. Low 4.4649, high 6.1578, middle 5.3712 XLM per USDT Polygon.
Can I go back, XLM to USDT Polygon?
Yes, the reverse direction is open: 1 XLM = 0.169062 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 → XMR0.00168636
USDT Polygon → XRP0.802129
USDT Polygon → XTZ3.9564
USDT Polygon → YFI0.000497776
USDT Polygon → ZBT14.2605
USDT Polygon → ZEC0.000812689
USDT Polygon → ZRO0.528753
USDT Polygon → ZRX10.2611
