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 Nov 1, 2026 13:09

Payout network: NEAR
24 hours: −0.01%

You send

XLM

You get 0.170027

USDC NEAR

Start the order

Rate: 1 XLM = 0.170027 USDC NEAR
Up to: 59,000,000 XLM

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

One XLM buys 0.170027 USDC NEAR right now; the other way round, 1 USDC NEAR is 5.8814 XLM. Market over 24 hours: XLM against USDC NEAR minus 0.01%. The week added minus 0.41%.

The weekly corridor ran from 0.161088 to 0.173698 USDC NEAR, a spread of 7.83%.

The payout leaves in the NEAR network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.97 B) and USD Coin 6th ($71.65 B). Daily moves of XLM and USDC over 90 days line up at 0.06 (they travel apart).

Who takes the XLM → USDC NEAR 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 NEAR → XLM direction is open too, so going back into XLM takes the same route.

XLM → USDC NEAR rate and amounts

1 XLM = 0.170027 USDC NEAR

1 USDC NEAR = 5.8814 XLM

Send XLM — receive USDC NEAR

XLM	USDC NEAR
100	17.0027
500	85.0134
2,000	340.0537
20,000	3,400.54
100,000	17,002.68
500,000	85,013.42

Need USDC NEAR — send this much XLM

USDC NEAR	XLM
10	58.8142
50	294.0712
500	2,940.71
2,000	11,762.85
20,000	117,628.48
100,000	588,142.41

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)	0.170027	1,043.46 XLM	≈ $0.0072	medium
Solana	0.170027	1,043.46 XLM	≈ $0.00048	fast
Polygon	0.170027	1,043.46 XLM	≈ $0.00017	fast
Arbitrum One	0.170027	—	≈ $0.003	fast
BASE	0.170027	—	—	—
BNB Smart Chain (BEP20)	0.170027	—	≈ $0.0023	fast
Avalanche C-Chain	0.170027	—	≈ $0.0014	fast
NEAR open now	0.170027	—	—	—
Optimism	0.170027	—	≈ $0.00015	fast
XLM	0.170027	—	—	—

XLM → USDC: compare all networks USDC network fees

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.

Swap XLM for USDC NEAR

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

WeekMonthQuarterYear

high 0.173698 USDC NEARlow 0.161088 USDC NEAR

Oct 25, 2026 13:12Nov 1, 2026 13:12

high 0.226419 USDC NEARlow 0.162261 USDC NEAR

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

high 0.232226 USDC NEARlow 0.154767 USDC NEAR

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

high 0.305109 USDC NEARlow 0.143382 USDC NEAR

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

24 hours: −0.01%
Week: −0.41%
Weekly high: 0.173698 USDC NEAR
Weekly low: 0.161088 USDC NEAR
Spread: 7.83%

Market data from CoinGecko as of Nov 1, 2026 11:54; 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	0.171797	0.168754	0.169438	−0.01%
Week	0.173698	0.161088	0.168971	−0.41%
Month	0.226419	0.162261	0.189455	−25.12%
Quarter	0.232226	0.154767	0.185147	−0.81%

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

Daily XLM → USDC NEAR rate

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

Daily RubyCash rate: XLM → USDC NEAR

Date	RubyCash rate	Market rate
Nov 1, 2026	0.169605 USDC NEAR	0.169445
Oct 31, 2026	0.170781 USDC NEAR	0.170242
Oct 30, 2026	0.169775 USDC NEAR	0.167393
Oct 29, 2026	0.163853 USDC NEAR	0.163779
Oct 28, 2026	0.173546 USDC NEAR	0.17285
Oct 27, 2026	0.171123 USDC NEAR	0.170305
Oct 26, 2026	0.168669 USDC NEAR	0.168042
Oct 25, 2026	0.170359 USDC NEAR	0.169569
Oct 24, 2026	0.171354 USDC NEAR	0.170671
Oct 22, 2026	0.177317 USDC NEAR	0.175915
Oct 21, 2026	0.18503 USDC NEAR	0.185456
Oct 20, 2026	0.18333 USDC NEAR	0.181753
Oct 19, 2026	0.178473 USDC NEAR	0.176391
Oct 18, 2026	0.177659 USDC NEAR	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: $0.169445
24 hours: −0.01%
Week: −0.13%
Market cap: $5.97 B
24-hour turnover: $74.3 M
Rank by cap: #19
In circulation: 35.25 B XLM
Record price: $0.875563

USD Coin USDC

Price: $1.00
24 hours: +0.01%
Week: +0.05%
Market cap: $71.65 B
24-hour turnover: $5.88 B
Rank by cap: #6
In circulation: 71.65 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 11:54.

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	35.25 B XLM	71.65 B USDC
Market cap	$5.97 B	$71.65 B
Rank by cap	#19	#6
Network	—	NEAR

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

Common questions: XLM → USDC NEAR

What rate does XLM to USDC NEAR run at?

As of Nov 1, 2026 13:09 it is 1 XLM = 0.170027 USDC NEAR. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.170027.

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 minus 25.12%. Low 0.162261, high 0.226419, middle 0.189455 USDC NEAR per XLM.

Can I go back, USDC NEAR to XLM?

Yes, the reverse direction is open: 1 USDC NEAR = 5.9289 XLM. The link sits right under the calculator.