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 Sep 17, 2026 19:53
- Orders from
- 1,043.46 XLM ≈ $194.06
- Payout network
- Ethereum (ERC20)
- 24 hours
- +6.94%
You get
USDC ERC20
Start the order
USDC ERC20
The figure is indicative; the exact amount is locked in the order.
One XLM buys 0.186679 USDC ERC20 right now; the other way round, 1 USDC ERC20 is 5.3568 XLM. Market over 24 hours: XLM against USDC ERC20 plus 6.94%. The week added plus 3.53%.
The weekly corridor ran from 0.173828 to 0.195926 USDC ERC20, a spread of 12.71%. A single order takes 1,043.46 to 53,800,000 XLM. In dollars that is roughly $194.06.
The payout leaves in the Ethereum (ERC20) network, so the receiving address has to belong to that network. By market cap Stellar sits 20th ($6.48 B) and USD Coin 6th ($73.56 B). Daily moves of XLM and USDC over 90 days line up at 0.03 (they travel apart).
Who takes the XLM → USDC ERC20 route
- Sitting out the swingsXLM moved +15.35% 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 = 0.186679 USDC ERC20
1 USDC ERC20 = 5.3568 XLM
Send XLM — receive USDC ERC20
| XLM | USDC ERC20 |
|---|---|
| 2,000 | 373.3572 |
| 5,000 | 933.393 |
| 20,000 | 3,733.57 |
| 50,000 | 9,333.93 |
| 200,000 | 37,335.72 |
| 500,000 | 93,339.3 |
Need USDC ERC20 — send this much XLM
| USDC ERC20 | XLM |
|---|---|
| 200 | 1,071.36 |
| 1,000 | 5,356.8 |
| 2,000 | 10,713.6 |
| 10,000 | 53,568 |
| 20,000 | 107,136.01 |
| 100,000 | 535,680.04 |
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 | 0.186679 | 1,043.46 XLM | ≈ $0.047 | medium |
| Solana | 0.186679 | 1,043.46 XLM | ≈ $0.00051 | fast |
| Polygon | 0.186679 | 1,043.46 XLM | ≈ $0.0018 | fast |
| Arbitrum One | 0.186679 | — | ≈ $0.0034 | fast |
| BASE | 0.186679 | — | — | — |
| BNB Smart Chain (BEP20) | 0.186679 | — | ≈ $0.0024 | fast |
| Avalanche C-Chain | 0.186679 | — | ≈ < $0.0001 | fast |
| NEAR | 0.186679 | — | — | — |
| Optimism | 0.186679 | — | ≈ $0.00017 | fast |
| XLM | 0.186679 | — | — | — |
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.
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
high 0.195926 USDC ERC20low 0.173828 USDC ERC20
Sep 10, 2026 19:57Sep 17, 2026 19:57
high 0.20183 USDC ERC20low 0.154767 USDC ERC20
Aug 18, 2026 03:00Sep 17, 2026 03:00
high 0.234515 USDC ERC20low 0.154767 USDC ERC20
Jun 19, 2026 03:00Sep 17, 2026 03:00
high 0.410094 USDC ERC20low 0.143382 USDC ERC20
Sep 18, 2025 03:00Sep 17, 2026 03:00
- 24 hours
- +6.94%
- Week
- +3.53%
- Weekly high
- 0.195926 USDC ERC20
- Weekly low
- 0.173828 USDC ERC20
- Spread
- 12.71%
Market data from CoinGecko as of Sep 17, 2026 18:54; 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 | 0.184689 | 0.173828 | 0.181263 | +6.94% |
| Week | 0.195926 | 0.173828 | 0.181836 | +3.53% |
| Month | 0.20183 | 0.154767 | 0.181661 | +15.36% |
| Quarter | 0.234515 | 0.154767 | 0.18191 | −22.23% |
Figures are in USDC ERC20 per unit sent, from market data.
Daily XLM → USDC ERC20 rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 17, 2026 | 0.182385 USDC ERC20 | +3.59% |
| Sep 16, 2026 | 0.176056 USDC ERC20 | −8.14% |
| Sep 15, 2026 | 0.191653 USDC ERC20 | +8.12% |
| Sep 14, 2026 | 0.177261 USDC ERC20 | −1.51% |
| Sep 13, 2026 | 0.17997 USDC ERC20 | +0.94% |
| Sep 12, 2026 | 0.178288 USDC ERC20 | +2.05% |
| Sep 11, 2026 | 0.174702 USDC ERC20 | −3.57% |
The numbers on XLM and USDC
Stellar XLM- Price
- $0.185974
- 24 hours
- +6.92%
- Week
- +3.7%
- Market cap
- $6.48 B
- 24-hour turnover
- $251.93 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
USD Coin USDC- Price
- $0.999605
- 24 hours
- −0.02%
- Week
- 0%
- Market cap
- $73.56 B
- 24-hour turnover
- $19.78 B
- Rank by cap
- #6
- In circulation
- 73.59 B USDC
- Record price
- $1.04
Source: CoinGecko, Sep 17, 2026 18:54.
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 | 73.59 B USDC |
| Market cap | $6.48 B | $73.56 B |
| Rank by cap | #20 | #6 |
| Network | — | Ethereum (ERC20) |
| Fees are paid in | — | ETH |
Daily moves of XLM and USDC over 90 days line up at 0.03 — they travel apart.
Common questions: XLM → USDC ERC20
What rate does XLM to USDC ERC20 run at?
As of Sep 17, 2026 19:53 it is 1 XLM = 0.186679 USDC ERC20. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.186605.
What amounts does XLM → USDC ERC20 accept?
From 1,043.46 to 53,800,000 XLM per order. The lower limit is roughly $194.06.
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 plus 15.36%. Low 0.154767, high 0.20183, middle 0.181661 USDC ERC20 per XLM.
Can I go back, USDC ERC20 to XLM?
Yes, the reverse direction is open: 1 USDC ERC20 = 5.4 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 → USDS0.185817
XLM → USDT Arbitrum0.186508- XLM → USDT BEP200.186508
- XLM → USDT AVAX C0.186508
- XLM → USDT ERC200.186508
- XLM → USDT NEAR0.186508
- XLM → USDT OMNI0.186508
- XLM → USDT Optimism0.186508
