Swap Stellar (XLM) for USD Coin (USDC BASE)

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 06:59

Payout network: BASE
24 hours: −0.16%

You send

XLM

You get 0.169092

USDC BASE

Start the order

Rate: 1 XLM = 0.169092 USDC BASE
Up to: 59,200,000 XLM

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

The direction runs at 0.169092 USDC BASE per XLM, or 5.914 XLM per USDC BASE. Market over 24 hours: XLM against USDC BASE minus 0.16%. The week added minus 1.71%.

The weekly corridor ran from 0.161206 to 0.173397 USDC BASE, a spread of 7.56%.

The payout leaves in the BASE network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.95 B) and USD Coin 6th ($71.71 B). Daily moves of XLM and USDC over 90 days line up at 0.06 (they travel apart).

Who takes the XLM → USDC BASE route

Sitting out the swingsXLM moved −25.1% over the past month. USDC tracks the dollar, so after the swap the value stops following XLM.
A road both waysThe USDC BASE → XLM direction is open too, so going back into XLM takes the same route.

XLM → USDC BASE rate and amounts

1 XLM = 0.169092 USDC BASE

1 USDC BASE = 5.914 XLM

Send XLM — receive USDC BASE

XLM	USDC BASE
100	16.9092
500	84.5458
2,000	338.1834
20,000	3,381.83
100,000	16,909.17
500,000	84,545.85

Need USDC BASE — send this much XLM

USDC BASE	XLM
10	59.1395
50	295.6976
500	2,956.98
2,000	11,827.9
20,000	118,279.02
100,000	591,395.1

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 XLM	From	Network fee	Speed
Ethereum (ERC20)	0.169092	1,043.46 XLM	≈ $0.0059	medium
Solana	0.169092	1,043.46 XLM	≈ $0.00048	fast
Polygon	0.169092	1,043.46 XLM	≈ $0.00065	fast
Arbitrum One	0.169092	—	≈ $0.0029	fast
BASE open now	0.169092	—	—	—
BNB Smart Chain (BEP20)	0.169092	—	≈ $0.0023	fast
Avalanche C-Chain	0.169092	—	≈ $0.0014	fast
NEAR	0.169092	—	—	—
Optimism	0.169092	—	≈ $0.00015	fast
XLM	0.169092	—	—	—

XLM → USDC: compare all networks USDC network fees

How the XLM → USDC BASE order runs

Work out the amount in the calculator and press the exchange button.
Enter a USDC address in BASE and a way to reach you.
Send XLM in Stellar 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.

Swap XLM for USDC BASE

Check this before sending XLM

The address network is BASE. 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 XLM to USDC BASE rate has been

WeekMonthQuarterYear

high 0.173397 USDC BASElow 0.161206 USDC BASE

Oct 25, 2026 07:00Nov 1, 2026 07:00

high 0.226419 USDC BASElow 0.162261 USDC BASE

Oct 1, 2026 03:00Oct 31, 2026 03:00

high 0.232226 USDC BASElow 0.154767 USDC BASE

Aug 2, 2026 03:00Oct 31, 2026 03:00

high 0.305109 USDC BASElow 0.143382 USDC BASE

Nov 1, 2025 03:00Oct 31, 2026 03:00

24 hours: −0.16%
Week: −1.71%
Weekly high: 0.173397 USDC BASE
Weekly low: 0.161206 USDC BASE
Spread: 7.56%

Market data from CoinGecko as of Nov 1, 2026 06:24; the exchange rate is calculated separately and differs. Where these numbers come from

How far XLM/USDC BASE travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.170445	0.168605	0.169316	−0.16%
Week	0.173397	0.161206	0.16896	−1.71%
Month	0.226419	0.162261	0.189455	−25.12%
Quarter	0.232226	0.154767	0.185147	−0.81%

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

Daily XLM → USDC BASE rate

Day	Close	Against the day before
Oct 31, 2026	0.169543 USDC BASE	+4.49%
Oct 30, 2026	0.162261 USDC BASE	−5.89%
Oct 29, 2026	0.172409 USDC BASE	+1.18%
Oct 28, 2026	0.170405 USDC BASE	+0.67%
Oct 27, 2026	0.169271 USDC BASE	+0.73%
Oct 26, 2026	0.168039 USDC BASE	−2.01%
Oct 25, 2026	0.171486 USDC BASE	−1.02%

Daily RubyCash rate: XLM → USDC BASE

Date	RubyCash rate	Market rate
Nov 1, 2026	0.169584 USDC BASE	0.168798
Oct 31, 2026	0.170781 USDC BASE	0.170242
Oct 30, 2026	0.169775 USDC BASE	0.167393
Oct 29, 2026	0.163853 USDC BASE	0.163779
Oct 28, 2026	0.173546 USDC BASE	0.17285
Oct 27, 2026	0.171123 USDC BASE	0.170305
Oct 26, 2026	0.168669 USDC BASE	0.168042
Oct 25, 2026	0.170359 USDC BASE	0.169569
Oct 24, 2026	0.171354 USDC BASE	0.170671
Oct 22, 2026	0.177317 USDC BASE	0.175915
Oct 21, 2026	0.18503 USDC BASE	0.185456
Oct 20, 2026	0.18333 USDC BASE	0.181753
Oct 19, 2026	0.178473 USDC BASE	0.176391
Oct 18, 2026	0.177659 USDC BASE	0.176644

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 XLM and USDC

Stellar XLM

Price: $0.168896
24 hours: −0.14%
Week: −1.92%
Market cap: $5.95 B
24-hour turnover: $60.43 M
Rank by cap: #19
In circulation: 35.25 B XLM
Record price: $0.875563

USD Coin USDC

Price: $0.999999
24 hours: +0.02%
Week: +0.05%
Market cap: $71.71 B
24-hour turnover: $5.85 B
Rank by cap: #6
In circulation: 71.71 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 06:24.

Stellar against USD Coin

	Stellar (XLM)	USD Coin (USDC)
Ticker	XLM	USDC
Type	coin of its own network	token
Launched	2014	2018
Built by	Jed McCaleb, Joyce Kim	Circle
Consensus	Stellar Consensus Protocol	—
Block	~5 sec	—
Supply cap	50 B XLM	no cap
Privacy	transfers are public	—
In circulation	35.25 B XLM	71.71 B USDC
Market cap	$5.95 B	$71.71 B
Rank by cap	#19	#6
Network	—	BASE

Daily moves of XLM and USDC over 90 days line up at 0.06 — they travel apart.

Common questions: XLM → USDC BASE

What rate does XLM to USDC BASE run at?

As of Nov 1, 2026 06:59 it is 1 XLM = 0.169092 USDC BASE. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.169092.

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 XLM, and that one goes to the blockchain, not to us.

How long does XLM to USDC BASE take?

The clock starts with confirmations: the order goes into work once Stellar confirms your transfer. After that it comes down to how busy the network is. A block in Stellar closes in about 5 sec.

Which network will USDC BASE arrive in?

The payout leaves in BASE. 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 XLM to USDC BASE rate do this month?

The month came in at minus 25.12%. Low 0.162261, high 0.226419, middle 0.189455 USDC BASE per XLM.

Can I go back, USDC BASE to XLM?

Yes, the reverse direction is open: 1 USDC BASE = 5.9616 XLM. The link sits right under the calculator.