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 Sep 17, 2026 05:28
- Payout network
- BASE
- 24 hours
- +5.64%
You get
USDC BASE
Start the order
USDC BASE
The figure is indicative; the exact amount is locked in the order.
The direction runs at 0.184668 USDC BASE per XLM, or 5.4151 XLM per USDC BASE. Market over 24 hours: XLM against USDC BASE plus 5.64%. The week added minus 0.85%.
The weekly corridor ran from 0.173355 to 0.196562 USDC BASE, a spread of 13.39%.
The payout leaves in the BASE network, so the receiving address has to belong to that network. By market cap Stellar sits 20th ($6.47 B) and USD Coin 6th ($73.61 B).
Who takes the XLM → USDC BASE route
- Sitting out the swingsUSDC tracks the dollar: after the swap the value of your funds 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 = 0.184668 USDC BASE
1 USDC BASE = 5.4151 XLM
Send XLM — receive USDC BASE
| XLM | USDC BASE |
|---|---|
| 100 | 18.4668 |
| 500 | 92.3338 |
| 2,000 | 369.335 |
| 20,000 | 3,693.35 |
| 100,000 | 18,466.75 |
| 500,000 | 92,333.76 |
Need USDC BASE — send this much XLM
| USDC BASE | XLM |
|---|---|
| 20 | 108.3027 |
| 100 | 541.5137 |
| 500 | 2,707.57 |
| 5,000 | 27,075.69 |
| 20,000 | 108,302.75 |
| 100,000 | 541,513.75 |
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) | 0.184668 | 1,043.46 XLM | ≈ $0.0087 | medium |
| Solana | 0.184668 | 1,043.46 XLM | ≈ $0.00049 | fast |
| Polygon | 0.184668 | 1,043.46 XLM | ≈ $0.0017 | fast |
| Arbitrum One | 0.184668 | — | ≈ $0.0032 | fast |
| BASE open now | 0.184668 | — | — | — |
| BNB Smart Chain (BEP20) | 0.184668 | — | ≈ $0.0024 | fast |
| Avalanche C-Chain | 0.184668 | — | ≈ < $0.0001 | fast |
| NEAR | 0.184668 | — | — | — |
| Optimism | 0.184668 | — | ≈ $0.00016 | fast |
| XLM | 0.184668 | — | — | — |
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.
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
high 0.196562 USDC BASElow 0.173355 USDC BASE
Sep 10, 2026 05:32Sep 17, 2026 05:32
- 24 hours
- +5.64%
- Week
- −0.85%
- Weekly high
- 0.196562 USDC BASE
- Weekly low
- 0.173355 USDC BASE
- Spread
- 13.39%
Market data from CoinGecko as of Sep 17, 2026 03:24; 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 | 0.181217 | 0.173355 | 0.176474 | +5.64% |
| Week | 0.196562 | 0.173355 | 0.181517 | −0.85% |
Figures are in USDC BASE per unit sent, from market data.
The numbers on XLM and USDC
Stellar XLM- Price
- $0.185863
- 24 hours
- +5.64%
- Week
- +2%
- Market cap
- $6.47 B
- 24-hour turnover
- $272.09 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
USD Coin USDC- Price
- $0.999642
- 24 hours
- −0.01%
- Week
- 0%
- Market cap
- $73.61 B
- 24-hour turnover
- $18.45 B
- Rank by cap
- #6
- In circulation
- 73.63 B USDC
- Record price
- $1.04
Source: CoinGecko, Sep 17, 2026 03:24.
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 | 34.85 B XLM | 73.63 B USDC |
| Market cap | $6.47 B | $73.61 B |
| Rank by cap | #20 | #6 |
| Network | — | BASE |
Common questions: XLM → USDC BASE
What rate does XLM to USDC BASE run at?
As of Sep 17, 2026 05:28 it is 1 XLM = 0.184668 USDC BASE. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.184601.
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.
Can I go back, USDC BASE to XLM?
Yes, the reverse direction is open: 1 USDC BASE = 5.4588 XLM. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send XLM, receive something else
XLM → USDS0.184142
XLM → USDT Arbitrum0.184698- XLM → USDT BEP200.184698
- XLM → USDT AVAX C0.184698
- XLM → USDT ERC200.184698
- XLM → USDT NEAR0.184698
- XLM → USDT OMNI0.184698
- XLM → USDT Optimism0.184698
