Swap Tezos (XTZ) for USD Coin (USDC XLM)
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 04:24
- Payout network
- XLM
- 24 hours
- −1.44%
One XTZ buys 0.255528 USDC XLM right now; the other way round, 1 USDC XLM is 3.9135 XTZ. Market over 24 hours: XTZ against USDC XLM minus 1.44%. The week added minus 13.98%.
The weekly corridor ran from 0.252064 to 0.296743 USDC XLM, a spread of 17.73%.
The payout leaves in the XLM network, so the receiving address has to belong to that network. By market cap Tezos sits 141th ($279.51 M) and USD Coin 6th ($71.72 B). Daily moves of XTZ and USDC over 90 days line up at 0.04 (they travel apart).
Who takes the XTZ → USDC XLM route
- Sitting out the swingsXTZ moved −21.97% over the past month. USDC tracks the dollar, so after the swap the value stops following XTZ.
- A road both waysThe USDC XLM → XTZ direction is open too, so going back into XTZ takes the same route.
XTZ → USDC XLM rate and amounts
1 XTZ = 0.255528 USDC XLM
1 USDC XLM = 3.9135 XTZ
Send XTZ — receive USDC XLM
| XTZ | USDC XLM |
|---|---|
| 50 | 12.7764 |
| 200 | 51.1056 |
| 1,000 | 255.528 |
| 10,000 | 2,555.28 |
| 50,000 | 12,776.4 |
| 200,000 | 51,105.59 |
Need USDC XLM — send this much XTZ
| USDC XLM | XTZ |
|---|---|
| 10 | 39.1347 |
| 50 | 195.6733 |
| 500 | 1,956.73 |
| 2,000 | 7,826.93 |
| 20,000 | 78,269.32 |
| 100,000 | 391,346.61 |
Payout network for USDC
The same USDC goes out in several networks. Rates and lower limits differ, and the fee is charged by the network itself.
| Network | Per XTZ | From | Network fee | Speed |
|---|---|---|---|---|
| Ethereum (ERC20) | 0.255528 | 777.605 XTZ | ≈ $0.0047 | medium |
| Solana | 0.255528 | 777.605 XTZ | ≈ $0.00048 | fast |
| Polygon | 0.255528 | 777.605 XTZ | ≈ $0.0012 | fast |
| Arbitrum One | 0.255528 | — | ≈ $0.0029 | fast |
| BASE | 0.255528 | — | — | — |
| BNB Smart Chain (BEP20) | 0.255528 | — | ≈ $0.0023 | fast |
| Avalanche C-Chain | 0.255528 | — | ≈ $0.0014 | fast |
| NEAR | 0.255528 | — | — | — |
| Optimism | 0.255528 | — | ≈ $0.00015 | fast |
| XLM open now | 0.255528 | — | — | — |
How the XTZ → USDC XLM order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDC address in XLM and a way to reach you.
- Send XTZ in Tezos for exactly the amount stated in the order.
- Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.
Check this before sending XTZ
- The address network is XLM. 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 XTZ to USDC XLM rate has been
high 0.296743 USDC XLMlow 0.252064 USDC XLM
Oct 25, 2026 04:28Nov 1, 2026 04:28
high 0.337058 USDC XLMlow 0.257826 USDC XLM
Oct 1, 2026 03:00Oct 31, 2026 03:00
high 0.365685 USDC XLMlow 0.194559 USDC XLM
Aug 2, 2026 03:00Oct 31, 2026 03:00
high 0.708649 USDC XLMlow 0.194559 USDC XLM
Nov 1, 2025 03:00Oct 31, 2026 03:00
- 24 hours
- −1.44%
- Week
- −13.98%
- Weekly high
- 0.296743 USDC XLM
- Weekly low
- 0.252064 USDC XLM
- Spread
- 17.73%
Market data from CoinGecko as of Nov 1, 2026 02:54; the exchange rate is calculated separately and differs. Where these numbers come from
How far XTZ/USDC XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 0.259157 | 0.253704 | 0.255966 | −1.44% |
| Week | 0.296743 | 0.252064 | 0.274085 | −13.98% |
| Month | 0.337058 | 0.257826 | 0.304657 | −18.51% |
| Quarter | 0.365685 | 0.194559 | 0.264993 | +29.68% |
Figures are in USDC XLM per unit sent, from market data.
Daily XTZ → USDC XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Oct 31, 2026 | 0.258068 USDC XLM | +0.09% |
| Oct 30, 2026 | 0.257826 USDC XLM | −8.57% |
| Oct 29, 2026 | 0.281993 USDC XLM | +0.6% |
| Oct 28, 2026 | 0.2803 USDC XLM | −0.18% |
| Oct 27, 2026 | 0.280806 USDC XLM | −1.45% |
| Oct 26, 2026 | 0.284945 USDC XLM | −3.95% |
| Oct 25, 2026 | 0.296654 USDC XLM | −2.31% |
Daily RubyCash rate: XTZ → USDC XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 1, 2026 | 0.256182 USDC XLM | 0.254034 |
| Oct 31, 2026 | 0.255226 USDC XLM | 0.253704 |
| Oct 30, 2026 | 0.258917 USDC XLM | 0.256064 |
| Oct 29, 2026 | 0.26138 USDC XLM | 0.262526 |
| Oct 28, 2026 | 0.285071 USDC XLM | 0.282961 |
| Oct 27, 2026 | 0.28134 USDC XLM | 0.279743 |
| Oct 26, 2026 | 0.279621 USDC XLM | 0.279996 |
| Oct 25, 2026 | 0.287926 USDC XLM | 0.288862 |
| Oct 24, 2026 | 0.296524 USDC XLM | 0.294876 |
| Oct 22, 2026 | 0.303874 USDC XLM | 0.302063 |
| Oct 21, 2026 | 0.318776 USDC XLM | 0.319662 |
| Oct 20, 2026 | 0.315197 USDC XLM | 0.314498 |
| Oct 19, 2026 | 0.30312 USDC XLM | 0.299742 |
| Oct 18, 2026 | 0.297851 USDC XLM | 0.294786 |
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 XTZ and USDC
Tezos XTZ- Price
- $0.254034
- 24 hours
- −1.42%
- Week
- −13.97%
- Market cap
- $279.51 M
- 24-hour turnover
- $2.34 M
- Rank by cap
- #141
- In circulation
- 1.1 B XTZ
- Record price
- $9.12
USD Coin USDC- Price
- $1.00
- 24 hours
- +0.02%
- Week
- +0.05%
- Market cap
- $71.72 B
- 24-hour turnover
- $5.96 B
- Rank by cap
- #6
- In circulation
- 71.72 B USDC
- Record price
- $1.04
Source: CoinGecko, Nov 1, 2026 02:54.
Tezos against USD Coin
| Tezos (XTZ) | USD Coin (USDC) | |
|---|---|---|
| Ticker | XTZ | USDC |
| Type | coin of its own network | token |
| Launched | 2018 | 2018 |
| Built by | Arthur Breitman, Kathleen Breitman | Circle |
| Consensus | Liquid Proof of Stake | — |
| Privacy | transfers are public | — |
| In circulation | 1.1 B XTZ | 71.72 B USDC |
| Market cap | $279.51 M | $71.72 B |
| Rank by cap | #141 | #6 |
| Network | — | XLM |
| Supply cap | — | no cap |
Daily moves of XTZ and USDC over 90 days line up at 0.04 — they travel apart.
Common questions: XTZ → USDC XLM
What rate does XTZ to USDC XLM run at?
As of Nov 1, 2026 04:24 it is 1 XTZ = 0.255528 USDC XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $0.255528.
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 XTZ, and that one goes to the blockchain, not to us.
How long does XTZ to USDC XLM take?
The clock starts with confirmations: the order goes into work once Tezos confirms your transfer. After that it comes down to how busy the network is.
Which network will USDC XLM arrive in?
The payout leaves in XLM. Make sure the receiving wallet works with that network.
Where is receiving USDC cheaper?
The cheapest is usually USDC SOL, USDC Polygon, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC 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 XTZ to USDC XLM rate do this month?
The month came in at minus 18.51%. Low 0.257826, high 0.337058, middle 0.304657 USDC XLM per XTZ.
Can I go back, USDC XLM to XTZ?
Yes, the reverse direction is open: 1 USDC XLM = 3.945 XTZ. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send XTZ, receive something else
XTZ → USDS0.254163
XTZ → USDT Arbitrum0.255618- XTZ → USDT BEP200.255618
- XTZ → USDT AVAX C0.255618
- XTZ → USDT ERC200.255618
- XTZ → USDT NEAR0.255618
- XTZ → USDT OMNI0.255618
- XTZ → USDT Optimism0.255618
