Swap Stellar (XLM) for Tether (USDT ERC20)

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 12:34

Orders from: 1,043.46 XLM ≈ $176.81
Payout network: Ethereum (ERC20)
24 hours: −0.03%

You send

XLM

You get 3,389.07

USDT ERC20

Start the order

Rate: 1 XLM = 0.169454 USDT ERC20
From: 1,043.46 XLM
Up to: 59,000,000 XLM

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

One XLM buys 0.169454 USDT ERC20 right now; the other way round, 1 USDT ERC20 is 5.9013 XLM. Market over 24 hours: XLM against USDT ERC20 minus 0.03%. The week added minus 0.41%.

The weekly corridor ran from 0.161193 to 0.173762 USDT ERC20, a spread of 7.8%. A single order takes 1,043.46 to 59,000,000 XLM. In dollars that is roughly $176.81.

The payout leaves in the Ethereum (ERC20) network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.97 B) and Tether 3th ($180.04 B). Daily moves of XLM and USDT over 90 days line up at 0.17 (they travel apart).

Who takes the XLM → USDT ERC20 route

Sitting out the swingsXLM moved −25.1% over the past month. USDT tracks the dollar, so after the swap the value stops following XLM.
A road both waysThe USDT ERC20 → XLM direction is open too, so going back into XLM takes the same route.

XLM → USDT ERC20 rate and amounts

1 XLM = 0.169454 USDT ERC20

1 USDT ERC20 = 5.9013 XLM

Send XLM — receive USDT ERC20

XLM	USDT ERC20
2,000	338.9074
5,000	847.2684
20,000	3,389.07
50,000	8,472.68
200,000	33,890.74
500,000	84,726.84

Need USDT ERC20 — send this much XLM

USDT ERC20	XLM
200	1,180.26
1,000	5,901.32
2,000	11,802.63
10,000	59,013.17
20,000	118,026.35
100,000	590,131.74

Payout network for USDT

The same USDT 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
OMNI	0.169454	—	—	—
Ethereum (ERC20) open now	0.169454	1,043.46 XLM	≈ $0.0066	medium
TRON (TRC20)	0.169454	1,043.46 XLM	≈ $2.1	fast
BNB Smart Chain (BEP20)	0.169454	1,043.46 XLM	≈ $0.0023	fast
Solana	0.169454	1,043.46 XLM	≈ $0.00048	fast
Polygon	0.169454	1,043.46 XLM	≈ $0.00017	fast
Arbitrum One	0.169454	1,043.46 XLM	≈ $0.003	fast
TON	0.169454	1,043.46 XLM	low	fast
Avalanche C-Chain	0.169454	—	≈ $0.0014	fast
NEAR	0.169454	—	—	—
Optimism	0.169454	—	≈ $0.00015	fast

XLM → USDT: compare all networks USDT network fees

How the XLM → USDT ERC20 order runs

Work out the amount in the calculator: orders start at 1,043.46 XLM.
Enter a USDT address in Ethereum (ERC20) and a way to reach you.
Send XLM in Stellar for exactly the amount stated in the order.
Once the network confirms your transfer, Tether leaves for your address. The order page tracks every step.

Swap XLM for USDT ERC20

Check this before sending XLM

The address network is Ethereum (ERC20). 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 USDT ERC20 rate has been

WeekMonthQuarterYear

high 0.173762 USDT ERC20low 0.161193 USDT ERC20

Oct 25, 2026 12:34Nov 1, 2026 12:34

high 0.226474 USDT ERC20low 0.162395 USDT ERC20

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

high 0.232273 USDT ERC20low 0.15482 USDT ERC20

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

high 0.305088 USDT ERC20low 0.143312 USDT ERC20

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

24 hours: −0.03%
Week: −0.41%
Weekly high: 0.173762 USDT ERC20
Weekly low: 0.161193 USDT ERC20
Spread: 7.8%

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/USDT ERC20 travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.171905	0.168872	0.169533	−0.03%
Week	0.173762	0.161193	0.169068	−0.41%
Month	0.226474	0.162395	0.189536	−25.09%
Quarter	0.232273	0.15482	0.185193	−0.78%

Figures are in USDT ERC20 per unit sent, from market data.

Daily XLM → USDT ERC20 rate

Day	Close	Against the day before
Oct 31, 2026	0.169646 USDT ERC20	+4.47%
Oct 30, 2026	0.162395 USDT ERC20	−5.85%
Oct 29, 2026	0.172485 USDT ERC20	+1.17%
Oct 28, 2026	0.170494 USDT ERC20	+0.65%
Oct 27, 2026	0.169386 USDT ERC20	+0.73%
Oct 26, 2026	0.16816 USDT ERC20	−1.98%
Oct 25, 2026	0.171563 USDT ERC20	−1.04%

Daily RubyCash rate: XLM → USDT ERC20

Date	RubyCash rate	Market rate
Nov 1, 2026	0.170318 USDT ERC20	0.169523
Oct 31, 2026	0.170932 USDT ERC20	0.170331
Oct 30, 2026	0.169946 USDT ERC20	0.1675
Oct 29, 2026	0.164346 USDT ERC20	0.163877
Oct 28, 2026	0.173566 USDT ERC20	0.172922
Oct 27, 2026	0.171284 USDT ERC20	0.170394
Oct 26, 2026	0.168629 USDT ERC20	0.168151
Oct 25, 2026	0.170318 USDT ERC20	0.169653
Oct 24, 2026	0.171676 USDT ERC20	0.170748
Oct 22, 2026	0.177106 USDT ERC20	0.176012
Oct 21, 2026	0.185281 USDT ERC20	0.185517
Oct 20, 2026	0.183421 USDT ERC20	0.181853
Oct 19, 2026	0.178835 USDT ERC20	0.176515
Oct 18, 2026	0.178081 USDT ERC20	0.176748

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 USDT

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

Tether USDT

Price: $0.999538
24 hours: +0.02%
Week: +0.05%
Market cap: $180.04 B
24-hour turnover: $25.75 B
Rank by cap: #3
In circulation: 180.12 B USDT
Record price: $1.32

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

Stellar against Tether

	Stellar (XLM)	Tether (USDT)
Ticker	XLM	USDT
Type	coin of its own network	token
Launched	2014	2014
Built by	Jed McCaleb, Joyce Kim	Tether Limited
Consensus	Stellar Consensus Protocol	—
Block	~5 sec	—
Supply cap	50 B XLM	no cap
Privacy	transfers are public	—
In circulation	35.25 B XLM	180.12 B USDT
Market cap	$5.97 B	$180.04 B
Rank by cap	#19	#3
Network	—	Ethereum (ERC20)
Fees are paid in	—	ETH

Daily moves of XLM and USDT over 90 days line up at 0.17 — they travel apart.

Common questions: XLM → USDT ERC20

What rate does XLM to USDT ERC20 run at?

As of Nov 1, 2026 12:34 it is 1 XLM = 0.169454 USDT ERC20. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.169375.

What amounts does XLM → USDT ERC20 accept?

From 1,043.46 to 59,000,000 XLM per order. The lower limit is roughly $176.81.

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 USDT ERC20 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 USDT ERC20 arrive in?

The payout leaves in Ethereum (ERC20). Make sure the receiving wallet works with that network.

Where is receiving USDT cheaper?

The cheapest is usually USDT BEP20, USDT SOL, USDT Polygon, USDT Arbitrum, USDT TON, USDT AVAX C, USDT 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 USDT ERC20 rate do this month?

The month came in at minus 25.09%. Low 0.162395, high 0.226474, middle 0.189536 USDT ERC20 per XLM.

Can I go back, USDT ERC20 to XLM?

Yes, the reverse direction is open: 1 USDT ERC20 = 5.9489 XLM. The link sits right under the calculator.