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 Nov 2, 2026 05:04

Payout network: NEAR
24 hours: −0.99%

You send

XLM

You get 0.169705

USDT NEAR

Start the order

Rate: 1 XLM = 0.169705 USDT NEAR
Up to: 59,700,000 XLM

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

One XLM buys 0.169705 USDT NEAR right now; the other way round, 1 USDT NEAR is 5.8926 XLM. Market over 24 hours: XLM against USDT NEAR minus 0.99%. The week added minus 0.55%.

The weekly corridor ran from 0.161193 to 0.173762 USDT NEAR, a spread of 7.8%.

The payout leaves in the NEAR network, so the receiving address has to belong to that network. By market cap Stellar sits 19th ($5.9 B) and Tether 3th ($179.97 B). Daily moves of XLM and USDT over 90 days line up at 0.17 (they travel apart).

Who takes the XLM → USDT NEAR route

Sitting out the swingsXLM moved −23.08% 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 = 0.169705 USDT NEAR

1 USDT NEAR = 5.8926 XLM

Send XLM — receive USDT NEAR

XLM	USDT NEAR
100	16.9705
500	84.8525
2,000	339.4102
20,000	3,394.1
100,000	16,970.51
500,000	84,852.54

Need USDT NEAR — send this much XLM

USDT NEAR	XLM
20	117.8515
100	589.2576
500	2,946.29
5,000	29,462.88
20,000	117,851.51
100,000	589,257.57

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	0.169705	—	—	—
Ethereum (ERC20)	0.169705	1,043.46 XLM	≈ $0.0053	medium
TRON (TRC20)	0.169705	1,043.46 XLM	≈ $2.1	fast
BNB Smart Chain (BEP20)	0.169705	1,043.46 XLM	≈ $0.0023	fast
Solana	0.169705	1,043.46 XLM	≈ $0.00047	fast
Polygon	0.169705	1,043.46 XLM	≈ $0.0017	fast
Arbitrum One	0.169705	1,043.46 XLM	≈ $0.003	fast
TON	0.169705	1,043.46 XLM	low	fast
Avalanche C-Chain	0.169705	—	≈ $0.0014	fast
NEAR open now	0.169705	—	—	—
Optimism	0.169705	—	≈ $0.00015	fast

XLM → USDT: compare all networks USDT network fees

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.

Swap XLM for USDT NEAR

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

WeekMonthQuarterYear

high 0.173762 USDT NEARlow 0.161193 USDT NEAR

Oct 26, 2026 05:09Nov 2, 2026 05:09

high 0.223967 USDT NEARlow 0.162395 USDT NEAR

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

high 0.232273 USDT NEARlow 0.15482 USDT NEAR

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

high 0.305088 USDT NEARlow 0.143312 USDT NEAR

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

24 hours: −0.99%
Week: −0.55%
Weekly high: 0.173762 USDT NEAR
Weekly low: 0.161193 USDT NEAR
Spread: 7.8%

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/USDT NEAR travelled, by period

Period	High	Low	Middle	Net move
24 hours	0.169596	0.167229	0.168524	−0.99%
Week	0.173762	0.161193	0.168964	−0.55%
Month	0.223967	0.162395	0.187712	−23.05%
Quarter	0.232273	0.15482	0.185181	−3.2%

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

Daily XLM → USDT NEAR rate

Day	Close	Against the day before
Nov 1, 2026	0.168626 USDT NEAR	−1.35%
Oct 31, 2026	0.170934 USDT NEAR	+5.26%
Oct 30, 2026	0.162395 USDT NEAR	−5.85%
Oct 29, 2026	0.172485 USDT NEAR	+1.17%
Oct 28, 2026	0.170494 USDT NEAR	+0.65%
Oct 27, 2026	0.169386 USDT NEAR	+0.73%
Oct 26, 2026	0.16816 USDT NEAR	−1.98%

Daily RubyCash rate: XLM → USDT NEAR

Date	RubyCash rate	Market rate
Nov 2, 2026	0.169705 USDT NEAR	0.167673
Nov 1, 2026	0.16875 USDT NEAR	0.167684
Oct 31, 2026	0.170932 USDT NEAR	0.170331
Oct 30, 2026	0.169946 USDT NEAR	0.1675
Oct 29, 2026	0.164346 USDT NEAR	0.163877
Oct 28, 2026	0.173566 USDT NEAR	0.172922
Oct 27, 2026	0.171284 USDT NEAR	0.170394
Oct 26, 2026	0.168629 USDT NEAR	0.168151
Oct 25, 2026	0.170318 USDT NEAR	0.169653
Oct 24, 2026	0.171676 USDT NEAR	0.170748
Oct 22, 2026	0.177106 USDT NEAR	0.176012
Oct 21, 2026	0.185281 USDT NEAR	0.185517
Oct 20, 2026	0.183421 USDT NEAR	0.181853
Oct 19, 2026	0.178835 USDT NEAR	0.176515

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: $0.167531
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

Tether USDT

Price: $0.999154
24 hours: −0.03%
Week: 0%
Market cap: $179.97 B
24-hour turnover: $27.4 B
Rank by cap: #3
In circulation: 180.12 B USDT
Record price: $1.32

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

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	$5.9 B	$179.97 B
Rank by cap	#19	#3
Network	—	NEAR

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

Common questions: XLM → USDT NEAR

What rate does XLM to USDT NEAR run at?

As of Nov 2, 2026 05:04 it is 1 XLM = 0.169705 USDT NEAR. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.169562.

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 minus 23.05%. Low 0.162395, high 0.223967, middle 0.187712 USDT NEAR per XLM.

Can I go back, USDT NEAR to XLM?

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