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

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 3, 2026 00:09

Orders from: 1,043.46 XLM ≈ $172.21
Payout network: Polygon
24 hours: −1.18%

You send

XLM

You get 3,302.6

USDC Polygon

Start the order

Rate: 1 XLM = 0.16513 USDC Polygon
From: 1,043.46 XLM
Up to: 60,600,000 XLM

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

Today XLM goes for 0.16513 USDC Polygon, and USDC Polygon goes for 6.0558 XLM. Market over 24 hours: XLM against USDC Polygon minus 1.18%. The week added minus 1.6%.

The weekly corridor ran from 0.161088 to 0.173698 USDC Polygon, a spread of 7.83%. A single order takes 1,043.46 to 60,600,000 XLM. In dollars that is roughly $172.21.

The payout leaves in the Polygon network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.82 B) and USD Coin 6th ($71.15 B). Daily moves of XLM and USDC over 90 days line up at 0.06 (they travel apart).

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

XLM → USDC Polygon rate and amounts

1 XLM = 0.16513 USDC Polygon

1 USDC Polygon = 6.0558 XLM

Send XLM — receive USDC Polygon

XLM	USDC Polygon
2,000	330.2597
5,000	825.6493
20,000	3,302.6
50,000	8,256.49
200,000	33,025.97
500,000	82,564.93

Need USDC Polygon — send this much XLM

USDC Polygon	XLM
200	1,211.17
1,000	6,055.84
2,000	12,111.68
10,000	60,558.4
20,000	121,116.79
100,000	605,583.97

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)	0.16513	1,043.46 XLM	≈ $0.017	medium
Solana	0.16513	1,043.46 XLM	≈ $0.00046	fast
Polygon open now	0.16513	1,043.46 XLM	≈ $0.0016	fast
Arbitrum One	0.16513	—	≈ $0.0029	fast
BASE	0.16513	—	—	—
BNB Smart Chain (BEP20)	0.16513	—	≈ $0.0023	fast
Avalanche C-Chain	0.16513	—	≈ $0.0014	fast
NEAR	0.16513	—	—	—
Optimism	0.16513	—	≈ $0.00015	fast
XLM	0.16513	—	—	—

XLM → USDC: compare all networks USDC network fees

How the XLM → USDC Polygon order runs

Work out the amount in the calculator: orders start at 1,043.46 XLM.
Enter a USDC address in Polygon 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 Polygon

Check this before sending XLM

The address network is Polygon. 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 Polygon rate has been

WeekMonthQuarterYear

high 0.173698 USDC Polygonlow 0.161088 USDC Polygon

Oct 27, 2026 00:12Nov 3, 2026 00:12

high 0.223947 USDC Polygonlow 0.162261 USDC Polygon

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

high 0.232226 USDC Polygonlow 0.154767 USDC Polygon

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

high 0.30501 USDC Polygonlow 0.143382 USDC Polygon

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

24 hours: −1.18%
Week: −1.6%
Weekly high: 0.173698 USDC Polygon
Weekly low: 0.161088 USDC Polygon
Spread: 7.83%

Market data from CoinGecko as of Nov 2, 2026 23:24; the exchange rate is calculated separately and differs. Where these numbers come from

How far XLM/USDC Polygon travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.169428	0.165383	0.167562	−1.18%
Week	0.173698	0.161088	0.168761	−1.6%
Month	0.223947	0.162261	0.18599	−22.34%
Quarter	0.232226	0.154767	0.18507	−2.33%

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

Daily XLM → USDC Polygon rate

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

Daily RubyCash rate: XLM → USDC Polygon

Date	RubyCash rate	Market rate
Nov 2, 2026	0.16515 USDC Polygon	0.16515
Nov 1, 2026	0.168659 USDC Polygon	0.167589
Oct 31, 2026	0.170781 USDC Polygon	0.170242
Oct 30, 2026	0.169775 USDC Polygon	0.167393
Oct 29, 2026	0.163853 USDC Polygon	0.163779
Oct 28, 2026	0.173546 USDC Polygon	0.17285
Oct 27, 2026	0.171123 USDC Polygon	0.170305
Oct 26, 2026	0.168669 USDC Polygon	0.168042
Oct 25, 2026	0.170359 USDC Polygon	0.169569
Oct 24, 2026	0.171354 USDC Polygon	0.170671
Oct 22, 2026	0.177317 USDC Polygon	0.175915
Oct 21, 2026	0.18503 USDC Polygon	0.185456
Oct 20, 2026	0.18333 USDC Polygon	0.181753
Oct 19, 2026	0.178473 USDC Polygon	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: $0.165041
24 hours: −1.22%
Week: −2.26%
Market cap: $5.82 B
24-hour turnover: $101.1 M
Rank by cap: #19
In circulation: 35.25 B XLM
Record price: $0.875563

USD Coin USDC

Price: $0.999339
24 hours: −0.04%
Week: 0%
Market cap: $71.15 B
24-hour turnover: $13.88 B
Rank by cap: #6
In circulation: 71.19 B USDC
Record price: $1.04

Source: CoinGecko, Nov 2, 2026 23:24.

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	71.19 B USDC
Market cap	$5.82 B	$71.15 B
Rank by cap	#19	#6
Network	—	Polygon
Fees are paid in	—	POL

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

Common questions: XLM → USDC Polygon

What rate does XLM to USDC Polygon run at?

As of Nov 3, 2026 00:09 it is 1 XLM = 0.16513 USDC Polygon. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.165021.

What amounts does XLM → USDC Polygon accept?

From 1,043.46 to 60,600,000 XLM per order. The lower limit is roughly $172.21.

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 Polygon 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 Polygon arrive in?

The payout leaves in Polygon. 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 Polygon rate do this month?

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

Can I go back, USDC Polygon to XLM?

Yes, the reverse direction is open: 1 USDC Polygon = 6.1047 XLM. The link sits right under the calculator.