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

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 2, 2026 03:59

Payout network: XLM
24 hours: −1%

You send

XLM

You get 0.168649

USDC XLM

Start the order

Rate: 1 XLM = 0.168649 USDC XLM
Up to: 59,700,000 XLM

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

One XLM buys 0.168649 USDC XLM right now; the other way round, 1 USDC XLM is 5.9295 XLM. Market over 24 hours: XLM against USDC XLM minus 1%. The week added minus 0.54%.

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

The payout leaves in the XLM network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.9 B) and USD Coin 6th ($71.51 B). Daily moves of XLM and USDC over 90 days line up at 0.06 (they travel apart).

Who takes the XLM → USDC XLM route

Sitting out the swingsXLM moved −23.08% over the past month. USDC tracks the dollar, so after the swap the value stops following XLM.
A road both waysThe USDC XLM → XLM direction is open too, so going back into XLM takes the same route.

XLM → USDC XLM rate and amounts

1 XLM = 0.168649 USDC XLM

1 USDC XLM = 5.9295 XLM

Send XLM — receive USDC XLM

XLM	USDC XLM
100	16.8649
500	84.3246
2,000	337.2985
20,000	3,372.99
100,000	16,864.93
500,000	84,324.63

Need USDC XLM — send this much XLM

USDC XLM	XLM
20	118.5893
100	592.9466
500	2,964.73
5,000	29,647.33
20,000	118,589.32
100,000	592,946.58

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)	0.168649	1,043.46 XLM	≈ $0.006	medium
Solana	0.168649	1,043.46 XLM	≈ $0.00047	fast
Polygon	0.168649	1,043.46 XLM	≈ $0.0017	fast
Arbitrum One	0.168649	—	≈ $0.003	fast
BASE	0.168649	—	—	—
BNB Smart Chain (BEP20)	0.168649	—	≈ $0.0023	fast
Avalanche C-Chain	0.168649	—	≈ $0.0014	fast
NEAR	0.168649	—	—	—
Optimism	0.168649	—	≈ $0.00015	fast
XLM open now	0.168649	—	—	—

XLM → USDC: compare all networks USDC network fees

How the XLM → USDC XLM order runs

Work out the amount in the calculator and press the exchange button.
Enter a USDC address in XLM 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 XLM

Check this before sending XLM

The address network is XLM. 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 XLM rate has been

WeekMonthQuarterYear

high 0.173698 USDC XLMlow 0.161088 USDC XLM

Oct 26, 2026 03:59Nov 2, 2026 03:59

high 0.223947 USDC XLMlow 0.162261 USDC XLM

Oct 2, 2026 03:00Nov 1, 2026 03:00

high 0.232226 USDC XLMlow 0.154767 USDC XLM

Aug 3, 2026 03:00Nov 1, 2026 03:00

high 0.305109 USDC XLMlow 0.143382 USDC XLM

Nov 2, 2025 03:00Nov 1, 2026 03:00

24 hours: −1%
Week: −0.54%
Weekly high: 0.173698 USDC XLM
Weekly low: 0.161088 USDC XLM
Spread: 7.83%

Market data from CoinGecko as of Nov 2, 2026 03:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far XLM/USDC XLM travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.169509	0.167136	0.16843	−1%
Week	0.173698	0.161088	0.168866	−0.54%
Month	0.223947	0.162261	0.187629	−23.07%
Quarter	0.232226	0.154767	0.185134	−3.22%

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

Daily XLM → USDC XLM rate

Day	Close	Against the day before
Nov 1, 2026	0.168537 USDC XLM	−1.34%
Oct 31, 2026	0.17082 USDC XLM	+5.28%
Oct 30, 2026	0.162261 USDC XLM	−5.89%
Oct 29, 2026	0.172409 USDC XLM	+1.18%
Oct 28, 2026	0.170405 USDC XLM	+0.67%
Oct 27, 2026	0.169271 USDC XLM	+0.73%
Oct 26, 2026	0.168039 USDC XLM	−2.01%

Daily RubyCash rate: XLM → USDC XLM

Date	RubyCash rate	Market rate
Nov 2, 2026	0.169253 USDC XLM	0.167589
Nov 1, 2026	0.168659 USDC XLM	0.167589
Oct 31, 2026	0.170781 USDC XLM	0.170242
Oct 30, 2026	0.169775 USDC XLM	0.167393
Oct 29, 2026	0.163853 USDC XLM	0.163779
Oct 28, 2026	0.173546 USDC XLM	0.17285
Oct 27, 2026	0.171123 USDC XLM	0.170305
Oct 26, 2026	0.168669 USDC XLM	0.168042
Oct 25, 2026	0.170359 USDC XLM	0.169569
Oct 24, 2026	0.171354 USDC XLM	0.170671
Oct 22, 2026	0.177317 USDC XLM	0.175915
Oct 21, 2026	0.18503 USDC XLM	0.185456
Oct 20, 2026	0.18333 USDC XLM	0.181753
Oct 19, 2026	0.178473 USDC XLM	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: $0.167531
24 hours: −1.02%
Week: −0.13%
Market cap: $5.9 B
24-hour turnover: $81.07 M
Rank by cap: #19
In circulation: 35.25 B XLM
Record price: $0.875563

USD Coin USDC

Price: $0.999757
24 hours: −0.02%
Week: +0.01%
Market cap: $71.51 B
24-hour turnover: $6.79 B
Rank by cap: #6
In circulation: 71.53 B USDC
Record price: $1.04

Source: CoinGecko, Nov 2, 2026 03:54.

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	71.53 B USDC
Market cap	$5.9 B	$71.51 B
Rank by cap	#19	#6
Network	—	XLM

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

Common questions: XLM → USDC XLM

What rate does XLM to USDC XLM run at?

As of Nov 2, 2026 03:59 it is 1 XLM = 0.168649 USDC XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.168608.

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 XLM 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 XLM arrive in?

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

The month came in at minus 23.07%. Low 0.162261, high 0.223947, middle 0.187629 USDC XLM per XLM.

Can I go back, USDC XLM to XLM?

Yes, the reverse direction is open: 1 USDC XLM = 5.9773 XLM. The link sits right under the calculator.