Swap Stellar (XLM) for Tether (USDT Polygon)

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 04:34

Orders from: 1,043.46 XLM ≈ $174.81
Payout network: Polygon
24 hours: −0.99%

You send

XLM

You get 3,399.13

USDT Polygon

Start the order

Rate: 1 XLM = 0.169956 USDT Polygon
From: 1,043.46 XLM
Up to: 59,700,000 XLM

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

One XLM buys 0.169956 USDT Polygon right now; the other way round, 1 USDT Polygon is 5.8839 XLM. Market over 24 hours: XLM against USDT Polygon minus 0.99%. The week added minus 0.55%.

The weekly corridor ran from 0.161193 to 0.173762 USDT Polygon, a spread of 7.8%. A single order takes 1,043.46 to 59,700,000 XLM. In dollars that is roughly $174.81.

The payout leaves in the Polygon 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 Polygon 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 Polygon → XLM direction is open too, so going back into XLM takes the same route.

XLM → USDT Polygon rate and amounts

1 XLM = 0.169956 USDT Polygon

1 USDT Polygon = 5.8839 XLM

Send XLM — receive USDT Polygon

XLM	USDT Polygon
2,000	339.9129
5,000	849.7823
20,000	3,399.13
50,000	8,497.82
200,000	33,991.29
500,000	84,978.23

Need USDT Polygon — send this much XLM

USDT Polygon	XLM
200	1,176.77
1,000	5,883.86
2,000	11,767.72
10,000	58,838.6
20,000	117,677.2
100,000	588,385.99

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	0.169956	—	—	—
Ethereum (ERC20)	0.169956	1,043.46 XLM	≈ $0.0062	medium
TRON (TRC20)	0.169956	1,043.46 XLM	≈ $2.1	fast
BNB Smart Chain (BEP20)	0.169956	1,043.46 XLM	≈ $0.0023	fast
Solana	0.169956	1,043.46 XLM	≈ $0.00047	fast
Polygon open now	0.169956	1,043.46 XLM	≈ $0.0016	fast
Arbitrum One	0.169956	1,043.46 XLM	≈ $0.003	fast
TON	0.169956	1,043.46 XLM	low	fast
Avalanche C-Chain	0.169956	—	≈ $0.0014	fast
NEAR	0.169956	—	—	—
Optimism	0.169956	—	≈ $0.00015	fast

XLM → USDT: compare all networks USDT network fees

How the XLM → USDT Polygon order runs

Work out the amount in the calculator: orders start at 1,043.46 XLM.
Enter a USDT address in Polygon 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 Polygon

Check this before sending XLM

The address network is Polygon. 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 Polygon rate has been

WeekMonthQuarterYear

high 0.173762 USDT Polygonlow 0.161193 USDT Polygon

Oct 26, 2026 04:37Nov 2, 2026 04:37

high 0.223967 USDT Polygonlow 0.162395 USDT Polygon

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

high 0.232273 USDT Polygonlow 0.15482 USDT Polygon

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

high 0.305088 USDT Polygonlow 0.143312 USDT Polygon

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

24 hours: −0.99%
Week: −0.55%
Weekly high: 0.173762 USDT Polygon
Weekly low: 0.161193 USDT Polygon
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 Polygon 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 Polygon per unit sent, from market data.

Daily XLM → USDT Polygon rate

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

Daily RubyCash rate: XLM → USDT Polygon

Date	RubyCash rate	Market rate
Nov 2, 2026	0.168951 USDT Polygon	0.167673
Nov 1, 2026	0.16875 USDT Polygon	0.167684
Oct 31, 2026	0.170932 USDT Polygon	0.170331
Oct 30, 2026	0.169946 USDT Polygon	0.1675
Oct 29, 2026	0.164346 USDT Polygon	0.163877
Oct 28, 2026	0.173566 USDT Polygon	0.172922
Oct 27, 2026	0.171284 USDT Polygon	0.170394
Oct 26, 2026	0.168629 USDT Polygon	0.168151
Oct 25, 2026	0.170318 USDT Polygon	0.169653
Oct 24, 2026	0.171676 USDT Polygon	0.170748
Oct 22, 2026	0.177106 USDT Polygon	0.176012
Oct 21, 2026	0.185281 USDT Polygon	0.185517
Oct 20, 2026	0.183421 USDT Polygon	0.181853
Oct 19, 2026	0.178835 USDT Polygon	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	—	Polygon
Fees are paid in	—	POL

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

Common questions: XLM → USDT Polygon

What rate does XLM to USDT Polygon run at?

As of Nov 2, 2026 04:34 it is 1 XLM = 0.169956 USDT Polygon. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.169813.

What amounts does XLM → USDT Polygon accept?

From 1,043.46 to 59,700,000 XLM per order. The lower limit is roughly $174.81.

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 Polygon 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 Polygon arrive in?

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

The month came in at minus 23.05%. Low 0.162395, high 0.223967, middle 0.187712 USDT Polygon per XLM.

Can I go back, USDT Polygon to XLM?

Yes, the reverse direction is open: 1 USDT Polygon = 5.9313 XLM. The link sits right under the calculator.