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

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 09:44

Orders from: 1,043.46 XLM ≈ $176.24
Payout network: Solana
24 hours: −0.12%

You send

XLM

You get 3,394.1

USDC SOL

Start the order

Rate: 1 XLM = 0.169705 USDC SOL
From: 1,043.46 XLM
Up to: 59,200,000 XLM

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

The direction runs at 0.169705 USDC SOL per XLM, or 5.8926 XLM per USDC SOL. Market over 24 hours: XLM against USDC SOL minus 0.12%. The week added minus 1.24%.

The weekly corridor ran from 0.161088 to 0.173698 USDC SOL, a spread of 7.83%. A single order takes 1,043.46 to 59,200,000 XLM. In dollars that is roughly $176.24.

The payout leaves in the Solana network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.96 B) and USD Coin 6th ($71.71 B). Daily moves of XLM and USDC over 90 days line up at 0.06 (they travel apart).

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

XLM → USDC SOL rate and amounts

1 XLM = 0.169705 USDC SOL

1 USDC SOL = 5.8926 XLM

Send XLM — receive USDC SOL

XLM	USDC SOL
2,000	339.4102
5,000	848.5254
20,000	3,394.1
50,000	8,485.25
200,000	33,941.02
500,000	84,852.54

Need USDC SOL — send this much XLM

USDC SOL	XLM
200	1,178.52
1,000	5,892.58
2,000	11,785.15
10,000	58,925.76
20,000	117,851.51
100,000	589,257.57

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)	0.169705	1,043.46 XLM	≈ $0.0057	medium
Solana open now	0.169705	1,043.46 XLM	≈ $0.00048	fast
Polygon	0.169705	1,043.46 XLM	≈ $0.00018	fast
Arbitrum One	0.169705	—	≈ $0.003	fast
BASE	0.169705	—	—	—
BNB Smart Chain (BEP20)	0.169705	—	≈ $0.0023	fast
Avalanche C-Chain	0.169705	—	≈ $0.0015	fast
NEAR	0.169705	—	—	—
Optimism	0.169705	—	≈ $0.00015	fast
XLM	0.169705	—	—	—

XLM → USDC: compare all networks USDC network fees

How the XLM → USDC SOL order runs

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

Check this before sending XLM

The address network is Solana. 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 SOL rate has been

WeekMonthQuarterYear

high 0.173698 USDC SOLlow 0.161088 USDC SOL

Oct 25, 2026 09:44Nov 1, 2026 09:44

high 0.226419 USDC SOLlow 0.162261 USDC SOL

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

high 0.232226 USDC SOLlow 0.154767 USDC SOL

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

high 0.305109 USDC SOLlow 0.143382 USDC SOL

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

24 hours: −0.12%
Week: −1.24%
Weekly high: 0.173698 USDC SOL
Weekly low: 0.161088 USDC SOL
Spread: 7.83%

Market data from CoinGecko as of Nov 1, 2026 09:24; the exchange rate is calculated separately and differs. Where these numbers come from

How far XLM/USDC SOL travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.171797	0.168327	0.169351	−0.12%
Week	0.173698	0.161088	0.168976	−1.24%
Month	0.226419	0.162261	0.189455	−25.12%
Quarter	0.232226	0.154767	0.185147	−0.81%

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

Daily XLM → USDC SOL rate

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

Daily RubyCash rate: XLM → USDC SOL

Date	RubyCash rate	Market rate
Nov 1, 2026	0.169916 USDC SOL	0.168896
Oct 31, 2026	0.170781 USDC SOL	0.170242
Oct 30, 2026	0.169775 USDC SOL	0.167393
Oct 29, 2026	0.163853 USDC SOL	0.163779
Oct 28, 2026	0.173546 USDC SOL	0.17285
Oct 27, 2026	0.171123 USDC SOL	0.170305
Oct 26, 2026	0.168669 USDC SOL	0.168042
Oct 25, 2026	0.170359 USDC SOL	0.169569
Oct 24, 2026	0.171354 USDC SOL	0.170671
Oct 22, 2026	0.177317 USDC SOL	0.175915
Oct 21, 2026	0.18503 USDC SOL	0.185456
Oct 20, 2026	0.18333 USDC SOL	0.181753
Oct 19, 2026	0.178473 USDC SOL	0.176391
Oct 18, 2026	0.177659 USDC SOL	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: $0.168903
24 hours: −0.1%
Week: −1.66%
Market cap: $5.96 B
24-hour turnover: $71.65 M
Rank by cap: #19
In circulation: 35.25 B XLM
Record price: $0.875563

USD Coin USDC

Price: $1.00
24 hours: +0.02%
Week: +0.05%
Market cap: $71.71 B
24-hour turnover: $5.7 B
Rank by cap: #6
In circulation: 71.7 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 09:24.

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	71.7 B USDC
Market cap	$5.96 B	$71.71 B
Rank by cap	#19	#6
Network	—	Solana
Fees are paid in	—	SOL

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

Common questions: XLM → USDC SOL

What rate does XLM to USDC SOL run at?

As of Nov 1, 2026 09:44 it is 1 XLM = 0.169705 USDC SOL. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.169705.

What amounts does XLM → USDC SOL accept?

From 1,043.46 to 59,200,000 XLM per order. The lower limit is roughly $176.24.

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 SOL 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 SOL arrive in?

The payout leaves in Solana. 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 SOL rate do this month?

The month came in at minus 25.12%. Low 0.162261, high 0.226419, middle 0.189455 USDC SOL per XLM.

Can I go back, USDC SOL to XLM?

Yes, the reverse direction is open: 1 USDC SOL = 5.9401 XLM. The link sits right under the calculator.