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 Sep 17, 2026 17:53
- Orders from
- 1,043.46 XLM ≈ $191.91
- Payout network
- Polygon
- 24 hours
- +5.07%
You get
USDT Polygon
Start the order
USDT Polygon
The figure is indicative; the exact amount is locked in the order.
One XLM buys 0.186055 USDT Polygon right now; the other way round, 1 USDT Polygon is 5.3748 XLM. Market over 24 hours: XLM against USDT Polygon plus 5.07%. The week added plus 1.09%.
The weekly corridor ran from 0.173399 to 0.196565 USDT Polygon, a spread of 13.36%. A single order takes 1,043.46 to 54,400,000 XLM. In dollars that is roughly $191.91.
The payout leaves in the Polygon network, so the receiving address has to belong to that network. By market cap Stellar sits 20th ($6.41 B) and Tether 3th ($183.29 B). Daily moves of XLM and USDT over 90 days line up at 0.13 (they travel apart).
Who takes the XLM → USDT Polygon 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 Polygon → XLM direction is open too, so going back into XLM takes the same route.
XLM → USDT Polygon rate and amounts
1 XLM = 0.186055 USDT Polygon
1 USDT Polygon = 5.3748 XLM
Send XLM — receive USDT Polygon
| XLM | USDT Polygon |
|---|---|
| 2,000 | 372.1103 |
| 5,000 | 930.2758 |
| 20,000 | 3,721.1 |
| 50,000 | 9,302.76 |
| 200,000 | 37,211.03 |
| 500,000 | 93,027.58 |
Need USDT Polygon — send this much XLM
| USDT Polygon | XLM |
|---|---|
| 200 | 1,074.95 |
| 1,000 | 5,374.75 |
| 2,000 | 10,749.5 |
| 10,000 | 53,747.5 |
| 20,000 | 107,495 |
| 100,000 | 537,475 |
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 | 0.186055 | — | — | — |
| Ethereum (ERC20) | 0.186055 | 1,043.46 XLM | ≈ $0.069 | medium |
| TRON (TRC20) | 0.186055 | 1,043.46 XLM | ≈ $2.3 | fast |
| BNB Smart Chain (BEP20) | 0.186055 | 1,043.46 XLM | ≈ $0.0024 | fast |
| Solana | 0.186055 | 1,043.46 XLM | ≈ $0.0005 | fast |
| Polygon open now | 0.186055 | 1,043.46 XLM | ≈ $0.0018 | fast |
| Arbitrum One | 0.186055 | 1,043.46 XLM | ≈ $0.0033 | fast |
| TON | 0.186055 | 1,043.46 XLM | low | fast |
| Avalanche C-Chain | 0.186055 | — | ≈ < $0.0001 | fast |
| NEAR | 0.186055 | — | — | — |
| Optimism | 0.186055 | — | ≈ $0.00018 | fast |
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.
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
high 0.196565 USDT Polygonlow 0.173399 USDT Polygon
Sep 10, 2026 17:56Sep 17, 2026 17:56
high 0.201848 USDT Polygonlow 0.15482 USDT Polygon
Aug 18, 2026 03:00Sep 17, 2026 03:00
high 0.234611 USDT Polygonlow 0.15482 USDT Polygon
Jun 19, 2026 03:00Sep 17, 2026 03:00
high 0.409854 USDT Polygonlow 0.143473 USDT Polygon
Sep 18, 2025 03:00Sep 17, 2026 03:00
- 24 hours
- +5.07%
- Week
- +1.09%
- Weekly high
- 0.196565 USDT Polygon
- Weekly low
- 0.173399 USDT Polygon
- Spread
- 13.36%
Market data from CoinGecko as of Sep 17, 2026 15:54; 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 | 0.184238 | 0.173399 | 0.180018 | +5.07% |
| Week | 0.196565 | 0.173399 | 0.181774 | +1.09% |
| Month | 0.201848 | 0.15482 | 0.181676 | +15.36% |
| Quarter | 0.234611 | 0.15482 | 0.181963 | −22.23% |
Figures are in USDT Polygon per unit sent, from market data.
Daily XLM → USDT Polygon rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 17, 2026 | 0.182459 USDT Polygon | +3.61% |
| Sep 16, 2026 | 0.176104 USDT Polygon | −8.11% |
| Sep 15, 2026 | 0.191656 USDT Polygon | +8.1% |
| Sep 14, 2026 | 0.177288 USDT Polygon | −1.5% |
| Sep 13, 2026 | 0.179979 USDT Polygon | +0.95% |
| Sep 12, 2026 | 0.178294 USDT Polygon | +2.04% |
| Sep 11, 2026 | 0.174735 USDT Polygon | −3.57% |
The numbers on XLM and USDT
Stellar XLM- Price
- $0.183918
- 24 hours
- +5.05%
- Week
- +1.5%
- Market cap
- $6.41 B
- 24-hour turnover
- $237.91 M
- Rank by cap
- #20
- In circulation
- 34.85 B XLM
- Record price
- $0.875563
Tether USDT- Price
- $0.999175
- 24 hours
- −0.02%
- Week
- 0%
- Market cap
- $183.29 B
- 24-hour turnover
- $60.77 B
- Rank by cap
- #3
- In circulation
- 183.44 B USDT
- Record price
- $1.32
Source: CoinGecko, Sep 17, 2026 15:54.
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 | 34.85 B XLM | 183.44 B USDT |
| Market cap | $6.41 B | $183.29 B |
| Rank by cap | #20 | #3 |
| Network | — | Polygon |
| Fees are paid in | — | POL |
Daily moves of XLM and USDT over 90 days line up at 0.13 — they travel apart.
Common questions: XLM → USDT Polygon
What rate does XLM to USDT Polygon run at?
As of Sep 17, 2026 17:53 it is 1 XLM = 0.186055 USDT Polygon. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.185902.
What amounts does XLM → USDT Polygon accept?
From 1,043.46 to 54,400,000 XLM per order. The lower limit is roughly $191.91.
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 plus 15.36%. Low 0.15482, high 0.201848, middle 0.181676 USDT Polygon per XLM.
Can I go back, USDT Polygon to XLM?
Yes, the reverse direction is open: 1 USDT Polygon = 5.4181 XLM. The link sits right under the calculator.
Worth reading
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