Swap Stellar (XLM) for USD Coin (USDC ERC20)

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 11:24

Orders from: 1,043.46 XLM ≈ $174.47
Payout network: Ethereum (ERC20)
24 hours: −1.05%

You send

XLM

You get 3,362.73

USDC ERC20

Start the order

Rate: 1 XLM = 0.168136 USDC ERC20
From: 1,043.46 XLM
Up to: 59,800,000 XLM

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

One XLM buys 0.168136 USDC ERC20 right now; the other way round, 1 USDC ERC20 is 5.9476 XLM. Market over 24 hours: XLM against USDC ERC20 minus 1.05%. The week added minus 0.52%.

The weekly corridor ran from 0.161088 to 0.173698 USDC ERC20, a spread of 7.83%. A single order takes 1,043.46 to 59,800,000 XLM. In dollars that is roughly $174.47.

The payout leaves in the Ethereum (ERC20) network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.89 B) and USD Coin 6th ($71.29 B). Daily moves of XLM and USDC over 90 days line up at 0.06 (they travel apart).

Who takes the XLM → USDC ERC20 route

Sitting out the swingsXLM moved −22.38% over the past month. USDC tracks the dollar, so after the swap the value stops following XLM.
A road both waysThe USDC ERC20 → XLM direction is open too, so going back into XLM takes the same route.

XLM → USDC ERC20 rate and amounts

1 XLM = 0.168136 USDC ERC20

1 USDC ERC20 = 5.9476 XLM

Send XLM — receive USDC ERC20

XLM	USDC ERC20
2,000	336.2729
5,000	840.6822
20,000	3,362.73
50,000	8,406.82
200,000	33,627.29
500,000	84,068.22

Need USDC ERC20 — send this much XLM

USDC ERC20	XLM
200	1,189.51
1,000	5,947.55
2,000	11,895.1
10,000	59,475.51
20,000	118,951.02
100,000	594,755.1

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) open now	0.168136	1,043.46 XLM	≈ $0.0061	medium
Solana	0.168136	1,043.46 XLM	≈ $0.00047	fast
Polygon	0.168136	1,043.46 XLM	≈ $0.0016	fast
Arbitrum One	0.168136	—	≈ $0.003	fast
BASE	0.168136	—	—	—
BNB Smart Chain (BEP20)	0.168136	—	≈ $0.0023	fast
Avalanche C-Chain	0.168136	—	≈ $0.0014	fast
NEAR	0.168136	—	—	—
Optimism	0.168136	—	≈ $0.00015	fast
XLM	0.168136	—	—	—

XLM → USDC: compare all networks USDC network fees

How the XLM → USDC ERC20 order runs

Work out the amount in the calculator: orders start at 1,043.46 XLM.
Enter a USDC address in Ethereum (ERC20) 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 ERC20

Check this before sending XLM

The address network is Ethereum (ERC20). Sending through another network usually means losing the transfer.
The transfer must not be smaller than 1,043.46 XLM.
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 ERC20 rate has been

WeekMonthQuarterYear

high 0.173698 USDC ERC20low 0.161088 USDC ERC20

Oct 26, 2026 11:27Nov 2, 2026 11:27

high 0.223947 USDC ERC20low 0.162261 USDC ERC20

Oct 3, 2026 03:00Nov 2, 2026 03:00

high 0.232226 USDC ERC20low 0.154767 USDC ERC20

Aug 4, 2026 03:00Nov 2, 2026 03:00

high 0.30501 USDC ERC20low 0.143382 USDC ERC20

Nov 3, 2025 03:00Nov 2, 2026 03:00

24 hours: −1.05%
Week: −0.52%
Weekly high: 0.173698 USDC ERC20
Weekly low: 0.161088 USDC ERC20
Spread: 7.83%

Market data from CoinGecko as of Nov 2, 2026 11:24; the exchange rate is calculated separately and differs. Where these numbers come from

How far XLM/USDC ERC20 travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.169428	0.167139	0.168314	−1.05%
Week	0.173698	0.161088	0.168902	−0.52%
Month	0.223947	0.162261	0.18599	−22.34%
Quarter	0.232226	0.154767	0.18507	−2.33%

Figures are in USDC ERC20 per unit sent, from market data.

Daily XLM → USDC ERC20 rate

Day	Close	Against the day before
Nov 2, 2026	0.16729 USDC ERC20	−1.31%
Nov 1, 2026	0.169509 USDC ERC20	−0.77%
Oct 31, 2026	0.17082 USDC ERC20	+5.28%
Oct 30, 2026	0.162261 USDC ERC20	−5.89%
Oct 29, 2026	0.172409 USDC ERC20	+1.18%
Oct 28, 2026	0.170405 USDC ERC20	+0.67%
Oct 27, 2026	0.169271 USDC ERC20	+0.73%

Daily RubyCash rate: XLM → USDC ERC20

Date	RubyCash rate	Market rate
Nov 2, 2026	0.168227 USDC ERC20	0.167259
Nov 1, 2026	0.168659 USDC ERC20	0.167589
Oct 31, 2026	0.170781 USDC ERC20	0.170242
Oct 30, 2026	0.169775 USDC ERC20	0.167393
Oct 29, 2026	0.163853 USDC ERC20	0.163779
Oct 28, 2026	0.173546 USDC ERC20	0.17285
Oct 27, 2026	0.171123 USDC ERC20	0.170305
Oct 26, 2026	0.168669 USDC ERC20	0.168042
Oct 25, 2026	0.170359 USDC ERC20	0.169569
Oct 24, 2026	0.171354 USDC ERC20	0.170671
Oct 22, 2026	0.177317 USDC ERC20	0.175915
Oct 21, 2026	0.18503 USDC ERC20	0.185456
Oct 20, 2026	0.18333 USDC ERC20	0.181753
Oct 19, 2026	0.178473 USDC ERC20	0.176391

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: $0.167208
24 hours: −1.09%
Week: −0.73%
Market cap: $5.89 B
24-hour turnover: $79.32 M
Rank by cap: #19
In circulation: 35.25 B XLM
Record price: $0.875563

USD Coin USDC

Price: $0.999573
24 hours: −0.05%
Week: −0.03%
Market cap: $71.29 B
24-hour turnover: $8.02 B
Rank by cap: #6
In circulation: 71.32 B USDC
Record price: $1.04

Source: CoinGecko, Nov 2, 2026 11:24.

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	71.32 B USDC
Market cap	$5.89 B	$71.29 B
Rank by cap	#19	#6
Network	—	Ethereum (ERC20)
Fees are paid in	—	ETH

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

Common questions: XLM → USDC ERC20

What rate does XLM to USDC ERC20 run at?

As of Nov 2, 2026 11:24 it is 1 XLM = 0.168136 USDC ERC20. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.168065.

What amounts does XLM → USDC ERC20 accept?

From 1,043.46 to 59,800,000 XLM per order. The lower limit is roughly $174.47.

Where does the 1,043.46 XLM floor come from?

Network fees and order handling eat a small transfer alive — below 1,043.46 XLM the swap stops making sense for either side.

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 ERC20 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 ERC20 arrive in?

The payout leaves in Ethereum (ERC20). 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 ERC20 rate do this month?

The month came in at minus 22.34%. Low 0.162261, high 0.223947, middle 0.18599 USDC ERC20 per XLM.

Can I go back, USDC ERC20 to XLM?

Yes, the reverse direction is open: 1 USDC ERC20 = 5.9955 XLM. The link sits right under the calculator.