Swap Stellar (XLM) for Tether (USDT NEAR)
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 01:48
- Payout network
- NEAR
- 24 hours
- +2.24%
You get
USDT NEAR
Start the order
USDT NEAR
The figure is indicative; the exact amount is locked in the order.
One XLM buys 0.184778 USDT NEAR right now; the other way round, 1 USDT NEAR is 5.4119 XLM. Market over 24 hours: XLM against USDT NEAR plus 2.24%. The week added plus 4.97%.
The weekly corridor ran from 0.173399 to 0.196565 USDT NEAR, a spread of 13.36%.
The payout leaves in the NEAR network, so the receiving address has to belong to that network. By market cap Stellar sits 20th ($6.38 B) and Tether 3th ($183.32 B). Daily moves of XLM and USDT over 90 days line up at 0.13 (they travel apart).
Who takes the XLM → USDT NEAR route
- Sitting out the swingsXLM moved +15.35% over the past month. USDT tracks the dollar, so after the swap the value stops following XLM.
- A road both waysThe USDT NEAR → XLM direction is open too, so going back into XLM takes the same route.
XLM → USDT NEAR rate and amounts
1 XLM = 0.184778 USDT NEAR
1 USDT NEAR = 5.4119 XLM
Send XLM — receive USDT NEAR
| XLM | USDT NEAR |
|---|---|
| 100 | 18.4778 |
| 500 | 92.3891 |
| 2,000 | 369.5563 |
| 20,000 | 3,695.56 |
| 100,000 | 18,477.81 |
| 500,000 | 92,389.06 |
Need USDT NEAR — send this much XLM
| USDT NEAR | XLM |
|---|---|
| 20 | 108.2379 |
| 100 | 541.1896 |
| 500 | 2,705.95 |
| 5,000 | 27,059.48 |
| 20,000 | 108,237.92 |
| 100,000 | 541,189.6 |
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 | 0.184778 | — | — | — |
| Ethereum (ERC20) | 0.184778 | 1,043.46 XLM | ≈ $0.0083 | medium |
| TRON (TRC20) | 0.184778 | 1,043.46 XLM | ≈ $2.3 | fast |
| BNB Smart Chain (BEP20) | 0.184778 | 1,043.46 XLM | ≈ $0.0024 | fast |
| Solana | 0.184778 | 1,043.46 XLM | ≈ $0.0005 | fast |
| Polygon | 0.184778 | 1,043.46 XLM | ≈ $0.0017 | fast |
| Arbitrum One | 0.184778 | 1,043.46 XLM | ≈ $0.0032 | fast |
| TON | 0.184778 | 1,043.46 XLM | low | fast |
| Avalanche C-Chain | 0.184778 | — | ≈ < $0.0001 | fast |
| NEAR open now | 0.184778 | — | — | — |
| Optimism | 0.184778 | — | ≈ $0.00016 | fast |
How the XLM → USDT NEAR order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDT address in NEAR 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.
Check this before sending XLM
- The address network is NEAR. 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 USDT NEAR rate has been
high 0.196565 USDT NEARlow 0.173399 USDT NEAR
Sep 11, 2026 01:49Sep 18, 2026 01:49
high 0.201848 USDT NEARlow 0.15482 USDT NEAR
Aug 18, 2026 03:00Sep 17, 2026 03:00
high 0.234611 USDT NEARlow 0.15482 USDT NEAR
Jun 19, 2026 03:00Sep 17, 2026 03:00
high 0.409854 USDT NEARlow 0.143473 USDT NEAR
Sep 18, 2025 03:00Sep 17, 2026 03:00
- 24 hours
- +2.24%
- Week
- +4.97%
- Weekly high
- 0.196565 USDT NEAR
- Weekly low
- 0.173399 USDT NEAR
- Spread
- 13.36%
Market data from CoinGecko as of Sep 18, 2026 01:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far XLM/USDT NEAR travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 0.186494 | 0.18093 | 0.183818 | +2.24% |
| Week | 0.196565 | 0.173399 | 0.18222 | +4.97% |
| Month | 0.201848 | 0.15482 | 0.181676 | +15.36% |
| Quarter | 0.234611 | 0.15482 | 0.181963 | −22.23% |
Figures are in USDT NEAR per unit sent, from market data.
Daily XLM → USDT NEAR rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 17, 2026 | 0.182459 USDT NEAR | +3.61% |
| Sep 16, 2026 | 0.176104 USDT NEAR | −8.11% |
| Sep 15, 2026 | 0.191656 USDT NEAR | +8.1% |
| Sep 14, 2026 | 0.177288 USDT NEAR | −1.5% |
| Sep 13, 2026 | 0.179979 USDT NEAR | +0.95% |
| Sep 12, 2026 | 0.178294 USDT NEAR | +2.04% |
| Sep 11, 2026 | 0.174735 USDT NEAR | −3.57% |
The numbers on XLM and USDT
Stellar XLM- Price
- $0.183194
- 24 hours
- +2.23%
- Week
- +3.5%
- Market cap
- $6.38 B
- 24-hour turnover
- $170.88 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
Tether USDT- Price
- $0.999311
- 24 hours
- −0.01%
- Week
- 0%
- Market cap
- $183.32 B
- 24-hour turnover
- $50.47 B
- Rank by cap
- #3
- In circulation
- 183.44 B USDT
- Record price
- $1.32
Source: CoinGecko, Sep 18, 2026 01:24.
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 | 34.85 B XLM | 183.44 B USDT |
| Market cap | $6.38 B | $183.32 B |
| Rank by cap | #20 | #3 |
| Network | — | NEAR |
Daily moves of XLM and USDT over 90 days line up at 0.13 — they travel apart.
Common questions: XLM → USDT NEAR
What rate does XLM to USDT NEAR run at?
As of Sep 18, 2026 01:48 it is 1 XLM = 0.184778 USDT NEAR. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.184651.
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 NEAR 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 NEAR arrive in?
The payout leaves in NEAR. 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 NEAR rate do this month?
The month came in at plus 15.36%. Low 0.15482, high 0.201848, middle 0.181676 USDT NEAR per XLM.
Can I go back, USDT NEAR to XLM?
Yes, the reverse direction is open: 1 USDT NEAR = 5.4555 XLM. The link sits right under the calculator.
Worth reading
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