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 Sep 18, 2026 22:03

Orders from: 1,043.46 XLM ≈ $200.13
Payout network: Polygon
24 hours: +3.62%

You send

XLM

You get 3,861.07

USDC Polygon

Start the order

Rate: 1 XLM = 0.193054 USDC Polygon
From: 1,043.46 XLM
Up to: 52,100,000 XLM

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

Today XLM goes for 0.193054 USDC Polygon, and USDC Polygon goes for 5.1799 XLM. Market over 24 hours: XLM against USDC Polygon plus 3.62%. The week added plus 6.88%.

The weekly corridor ran from 0.173355 to 0.196562 USDC Polygon, a spread of 13.39%. A single order takes 1,043.46 to 52,100,000 XLM. In dollars that is roughly $200.13.

The payout leaves in the Polygon network, so the receiving address has to belong to that network. By market cap Stellar sits 20th ($6.69 B) and USD Coin 6th ($73.94 B). Daily moves of XLM and USDC over 90 days line up at 0.03 (they travel apart).

Who takes the XLM → USDC Polygon route

Sitting out the swingsXLM moved +18.54% 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 = 0.193054 USDC Polygon

1 USDC Polygon = 5.1799 XLM

Send XLM — receive USDC Polygon

XLM	USDC Polygon
2,000	386.1075
5,000	965.2686
20,000	3,861.07
50,000	9,652.69
200,000	38,610.75
500,000	96,526.86

Need USDC Polygon — send this much XLM

USDC Polygon	XLM
500	2,589.95
1,000	5,179.91
5,000	25,899.53
10,000	51,799.05
50,000	258,995.26
100,000	517,990.52

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)	0.193054	1,043.46 XLM	≈ $0.054	medium
Solana	0.193054	1,043.46 XLM	≈ $0.00056	fast
Polygon open now	0.193054	1,043.46 XLM	≈ $0.0019	fast
Arbitrum One	0.193054	—	≈ $0.0035	fast
BASE	0.193054	—	—	—
BNB Smart Chain (BEP20)	0.193054	—	≈ $0.0025	fast
Avalanche C-Chain	0.193054	—	≈ $0.00027	fast
NEAR	0.193054	—	—	—
Optimism	0.193054	—	≈ $0.00019	fast
XLM	0.193054	—	—	—

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 0.196562 USDC Polygonlow 0.173355 USDC Polygon

Sep 11, 2026 22:04Sep 18, 2026 22:04

high 0.20183 USDC Polygonlow 0.154767 USDC Polygon

Aug 19, 2026 03:00Sep 18, 2026 03:00

high 0.218146 USDC Polygonlow 0.154767 USDC Polygon

Jun 20, 2026 03:00Sep 18, 2026 03:00

high 0.410094 USDC Polygonlow 0.143382 USDC Polygon

Sep 19, 2025 03:00Sep 18, 2026 03:00

24 hours: +3.62%
Week: +6.88%
Weekly high: 0.196562 USDC Polygon
Weekly low: 0.173355 USDC Polygon
Spread: 13.39%

Market data from CoinGecko as of Sep 18, 2026 21:54; 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	0.192264	0.183429	0.187321	+3.62%
Week	0.196562	0.173355	0.183447	+6.88%
Month	0.20183	0.154767	0.182525	+18.56%
Quarter	0.218146	0.154767	0.181365	−15.89%

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

Daily XLM → USDC Polygon rate

Day	Close	Against the day before
Sep 18, 2026	0.183485 USDC Polygon	−0.17%
Sep 17, 2026	0.183795 USDC Polygon	+4.4%
Sep 16, 2026	0.176056 USDC Polygon	−8.14%
Sep 15, 2026	0.191653 USDC Polygon	+8.12%
Sep 14, 2026	0.177261 USDC Polygon	−1.51%
Sep 13, 2026	0.17997 USDC Polygon	+0.94%
Sep 12, 2026	0.178288 USDC Polygon	+2.05%

Daily RubyCash rate: XLM → USDC Polygon

Date	RubyCash rate	Market rate
Sep 18, 2026	0.193054 USDC Polygon	0.191841
Sep 17, 2026	0.184587 USDC Polygon	0.183259
Sep 16, 2026	0.180585 USDC Polygon	0.180356

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: $0.191791
24 hours: +3.64%
Week: +6.1%
Market cap: $6.69 B
24-hour turnover: $242.1 M
Rank by cap: #20
In circulation: 34.85 B XLM
Record price: $0.875563

USD Coin USDC

Price: $0.999741
24 hours: +0.02%
Week: 0%
Market cap: $73.94 B
24-hour turnover: $21.2 B
Rank by cap: #6
In circulation: 73.96 B USDC
Record price: $1.04

Source: CoinGecko, Sep 18, 2026 21:54.

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	73.96 B USDC
Market cap	$6.69 B	$73.94 B
Rank by cap	#20	#6
Network	—	Polygon
Fees are paid in	—	POL

Daily moves of XLM and USDC over 90 days line up at 0.03 — they travel apart.

Common questions: XLM → USDC Polygon

What rate does XLM to USDC Polygon run at?

As of Sep 18, 2026 22:03 it is 1 XLM = 0.193054 USDC Polygon. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.193004.

What amounts does XLM → USDC Polygon accept?

From 1,043.46 to 52,100,000 XLM per order. The lower limit is roughly $200.13.

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 plus 18.56%. Low 0.154767, high 0.20183, middle 0.182525 USDC Polygon per XLM.

Can I go back, USDC Polygon to XLM?

Yes, the reverse direction is open: 1 USDC Polygon = 5.2217 XLM. The link sits right under the calculator.