Stellar (XLM) → USD Coin (USDC): the rate on each network
See what XLM to USDC costs on each network and decide where to pick up USDC: the table gives the rate, the minimum, the fee and the speed of each network.
Rate as of Nov 10, 2026 13:44
Ahead of the rest right now is Ethereum (ERC20): 1 XLM turns into 0.148159 USDC. The calculator takes exactly this network.
Where to pick up USDC
| Network | Rate | From | Network fee | Speed |
|---|---|---|---|---|
| Ethereum (ERC20) best rate | 1 XLM = 0.148159 USDC ERC20 | 912.7419 XLM | ≈ $0.0059 | medium |
| Solana | 1 XLM = 0.148159 USDC SOL | 912.7419 XLM | ≈ $0.00043 | fast |
| Arbitrum One | 1 XLM = 0.148159 USDC Arbitrum | 912.7419 XLM | ≈ $0.0028 | fast |
| BASE | 1 XLM = 0.148159 USDC BASE | 912.7419 XLM | — | — |
| BNB Smart Chain (BEP20) | 1 XLM = 0.148159 USDC BEP20 | 450.5258 XLM | ≈ $0.0022 | fast |
| Avalanche C-Chain | 1 XLM = 0.148159 USDC AVAX C | 450.5258 XLM | ≈ $0.0041 | fast |
| NEAR | 1 XLM = 0.148159 USDC NEAR | 450.5258 XLM | — | — |
| Optimism | 1 XLM = 0.148159 USDC Optimism | 450.5258 XLM | ≈ $0.00014 | fast |
| Polygon | 1 XLM = 0.148159 USDC Polygon | 450.5258 XLM | ≈ $0.0002 | fast |
| XLM | 1 XLM = 0.148159 USDC XLM | 450.5258 XLM | — | — |
The cost and speed marks are given against each other: both drift with the load on the network.
How the USDC networks differ
USD Coin exists on several blockchains at once. It is one and the same USDC everywhere; a transfer only arrives when the address and the network match.
Ethereum (ERC20)
ERC20 means tokens on the Ethereum network. The standard is accepted by almost every wallet and exchange, but gas is paid in ETH, and under heavy load its cost rises noticeably.
Solana
On Solana, tokens are issued under the SPL standard. A transfer is confirmed within seconds, and the fee is measured in fractions of a cent and paid in SOL. A separate account is opened for each new token, and that takes a little SOL as well.
Arbitrum One
Arbitrum One is a layer-2 network on top of Ethereum. The address format is the Ethereum one and the fee is in ETH, but many times cheaper than in the main network.
BNB Smart Chain (BEP20)
BEP20 means tokens on BNB Smart Chain, an EVM-compatible network. The address is indistinguishable by sight from an Ethereum one, the fee is charged in BNB and usually stays small.
Avalanche C-Chain
Avalanche C-Chain is the EVM-compatible chain of Avalanche, and the fee is charged in AVAX.
Optimism
Optimism is another layer-2 network on top of Ethereum. Addresses are in the familiar format, the fee is in ETH and amounts to a small part of the cost in the main network.
Polygon
Polygon PoS is Ethereum-compatible and uses the same 0x address format. The fee is paid in POL and is usually fractions of a cent.