Swap Stellar (XLM) for USD Coin (USDC NEAR)
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 09:58
- Payout network
- NEAR
- 24 hours
- +3.17%
You get
USDC NEAR
Start the order
USDC NEAR
The figure is indicative; the exact amount is locked in the order.
One XLM buys 0.183582 USDC NEAR right now; the other way round, 1 USDC NEAR is 5.4472 XLM. Market over 24 hours: XLM against USDC NEAR plus 3.17%. The week added plus 1.55%.
The weekly corridor ran from 0.173828 to 0.195926 USDC NEAR, a spread of 12.71%.
The payout leaves in the NEAR network, so the receiving address has to belong to that network. By market cap Stellar sits 20th ($6.35 B) and USD Coin 6th ($73.69 B). Daily moves of XLM and USDC over 90 days line up at 0.03 (they travel apart).
Who takes the XLM → USDC NEAR 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 NEAR → XLM direction is open too, so going back into XLM takes the same route.
XLM → USDC NEAR rate and amounts
1 XLM = 0.183582 USDC NEAR
1 USDC NEAR = 5.4472 XLM
Send XLM — receive USDC NEAR
| XLM | USDC NEAR |
|---|---|
| 100 | 18.3582 |
| 500 | 91.7908 |
| 2,000 | 367.1631 |
| 20,000 | 3,671.63 |
| 100,000 | 18,358.15 |
| 500,000 | 91,790.77 |
Need USDC NEAR — send this much XLM
| USDC NEAR | XLM |
|---|---|
| 20 | 108.9434 |
| 100 | 544.7171 |
| 500 | 2,723.59 |
| 5,000 | 27,235.85 |
| 20,000 | 108,943.42 |
| 100,000 | 544,717.1 |
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) | 0.183582 | 1,043.46 XLM | ≈ $0.0075 | medium |
| Solana | 0.183582 | 1,043.46 XLM | ≈ $0.0005 | fast |
| Polygon | 0.183582 | 1,043.46 XLM | ≈ $0.0016 | fast |
| Arbitrum One | 0.183582 | — | ≈ $0.0032 | fast |
| BASE | 0.183582 | — | — | — |
| BNB Smart Chain (BEP20) | 0.183582 | — | ≈ $0.0024 | fast |
| Avalanche C-Chain | 0.183582 | — | ≈ < $0.0001 | fast |
| NEAR open now | 0.183582 | — | — | — |
| Optimism | 0.183582 | — | ≈ $0.00016 | fast |
| XLM | 0.183582 | — | — | — |
How the XLM → USDC NEAR order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDC address in NEAR 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 NEAR. 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 NEAR rate has been
high 0.195926 USDC NEARlow 0.173828 USDC NEAR
Sep 10, 2026 09:58Sep 17, 2026 09:58
high 0.20183 USDC NEARlow 0.154767 USDC NEAR
Aug 18, 2026 03:00Sep 17, 2026 03:00
high 0.234515 USDC NEARlow 0.154767 USDC NEAR
Jun 19, 2026 03:00Sep 17, 2026 03:00
high 0.410094 USDC NEARlow 0.143382 USDC NEAR
Sep 18, 2025 03:00Sep 17, 2026 03:00
- 24 hours
- +3.17%
- Week
- +1.55%
- Weekly high
- 0.195926 USDC NEAR
- Weekly low
- 0.173828 USDC NEAR
- Spread
- 12.71%
Market data from CoinGecko as of Sep 17, 2026 08:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far XLM/USDC NEAR travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 0.184689 | 0.173828 | 0.178375 | +3.17% |
| Week | 0.195926 | 0.173828 | 0.181608 | +1.55% |
| Month | 0.20183 | 0.154767 | 0.181661 | +15.36% |
| Quarter | 0.234515 | 0.154767 | 0.18191 | −22.23% |
Figures are in USDC NEAR per unit sent, from market data.
Daily XLM → USDC NEAR rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 17, 2026 | 0.182385 USDC NEAR | +3.59% |
| Sep 16, 2026 | 0.176056 USDC NEAR | −8.14% |
| Sep 15, 2026 | 0.191653 USDC NEAR | +8.12% |
| Sep 14, 2026 | 0.177261 USDC NEAR | −1.51% |
| Sep 13, 2026 | 0.17997 USDC NEAR | +0.94% |
| Sep 12, 2026 | 0.178288 USDC NEAR | +2.05% |
| Sep 11, 2026 | 0.174702 USDC NEAR | −3.57% |
The numbers on XLM and USDC
Stellar XLM- Price
- $0.182244
- 24 hours
- +3.16%
- Week
- +1.4%
- Market cap
- $6.35 B
- 24-hour turnover
- $267.34 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
USD Coin USDC- Price
- $0.999596
- 24 hours
- −0.01%
- Week
- 0%
- Market cap
- $73.69 B
- 24-hour turnover
- $18.44 B
- Rank by cap
- #6
- In circulation
- 73.72 B USDC
- Record price
- $1.04
Source: CoinGecko, Sep 17, 2026 08:24.
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 | 73.72 B USDC |
| Market cap | $6.35 B | $73.69 B |
| Rank by cap | #20 | #6 |
| Network | — | NEAR |
Daily moves of XLM and USDC over 90 days line up at 0.03 — they travel apart.
Common questions: XLM → USDC NEAR
What rate does XLM to USDC NEAR run at?
As of Sep 17, 2026 09:58 it is 1 XLM = 0.183582 USDC NEAR. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.183507.
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 NEAR 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 NEAR arrive in?
The payout leaves in NEAR. 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 NEAR rate do this month?
The month came in at plus 15.36%. Low 0.154767, high 0.20183, middle 0.181661 USDC NEAR per XLM.
Can I go back, USDC NEAR to XLM?
Yes, the reverse direction is open: 1 USDC NEAR = 5.4911 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 → USDS0.18332
XLM → USDT Arbitrum0.183873- XLM → USDT BEP200.183873
- XLM → USDT AVAX C0.183873
- XLM → USDT ERC200.183873
- XLM → USDT NEAR0.183873
- XLM → USDT OMNI0.183873
- XLM → USDT Optimism0.183873
