USD Coin (USDC Polygon) → Stellar (XLM)
The order runs on autopilot: the rate is locked when you create it, and the payout leaves as soon as the network confirms your transfer. No manual approval, no working hours.
Rate and amounts for USDC Polygon → XLM
1 USDC Polygon = 4.4312 XLM
1 XLM = 0.225672 USDC Polygon
Rate as of Sep 30, 2026 23:20
- Orders from
- 100.67 USDC Polygon ≈ $100.65
- Payout network
- Stellar
- 24 hours
- −1.99%
The direction is holding at 4.4312 XLM per 1 USDC Polygon (0.225672 USDC Polygon per 1 XLM). Over 24 hours USDC Polygon/XLM came in at minus 1.99%. Over the week, minus 8.39%.
The weekly range ran from 4.3118 to 5.0195 XLM, a spread of 16.41%. One order takes from 100.67 to 10,000,000 USDC Polygon. In dollars that is roughly $100.65.
If the recipient is an exchange, it usually needs a Memo: take it from your account beforehand and the automation will attach it to the transfer. Market capitalisation puts USD Coin at No. 6 ($74.2 B) and Stellar at No. 20 ($7.88 B). Over 90 days the daily moves of USDC and XLM correlate at 0.04 (they travel apart).
Rate and amounts for USDC Polygon → XLM
| USDC Polygon | XLM |
|---|---|
| 200 | 886.241 |
| 1,000 | 4,431.2 |
| 2,000 | 8,862.41 |
| 10,000 | 44,312.05 |
| 20,000 | 88,624.1 |
| 100,000 | 443,120.49 |
| XLM | USDC Polygon |
|---|---|
| 500 | 112.8361 |
| 2,000 | 451.3445 |
| 5,000 | 1,128.36 |
| 20,000 | 4,513.45 |
| 50,000 | 11,283.61 |
| 200,000 | 45,134.45 |
How the USDC Polygon → XLM exchange runs
- Work out the amount in the calculator — orders start at 100.67 USDC Polygon.
- Give a XLM address on Stellar and a contact for the order. Receiving to an exchange? Add the Memo, or the payment will hang on the recipient side.
- Send USDC Polygon on Polygon, exactly the amount the order shows.
- Nothing else is needed from you: as soon as the network confirms the transfer, the robot sends Stellar to your address. The order page shows the status.
Check this before sending USDC Polygon
- The address network is Stellar. Sending through another network almost always means losing the transfer.
- If the recipient asks for a Memo, enter it when you create the order.
- The transfer must not be smaller than 100.67 USDC Polygon.
- Copy the address in full, then check its first and last characters once it is pasted.
- Send exactly the amount stated in the order: the automation matches your payment against it, and any difference sends the order back for recalculation.
How the USDC Polygon to XLM rate has moved
high 5.0195 XLMlow 4.3118 XLM
Sep 23, 2026 23:21Sep 30, 2026 23:21
high 5.7252 XLMlow 4.3062 XLM
Aug 31, 2026 05:00Sep 30, 2026 05:00
high 6.4613 XLMlow 4.3062 XLM
Jul 2, 2026 05:00Sep 30, 2026 05:00
high 6.9744 XLMlow 2.4385 XLM
Oct 1, 2025 05:00Sep 30, 2026 05:00
- 24 hours
- −1.99%
- Week
- −8.39%
- Weekly high
- 5.0195 XLM
- Weekly low
- 4.3118 XLM
- Spread
- 16.41%
Market data from CoinGecko as of Sep 30, 2026 22:57. The exchange rate is worked out separately and differs from the market one. How these numbers are counted
The USDC Polygon/XLM spread by period
| Period | High | Low | Middle | Period result |
|---|---|---|---|---|
| 24 hours | 4.5261 | 4.3402 | 4.4757 | −1.99% |
| Week | 5.0195 | 4.3118 | 4.6063 | −8.39% |
| Month | 5.7252 | 4.3062 | 5.2095 | −23.44% |
| Quarter | 6.4613 | 4.3062 | 5.4719 | −13.64% |
Figures are in XLM per unit of the currency you send, taken from market data.
Daily USDC Polygon → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 30, 2026 | 4.3835 XLM | +1.8% |
| Sep 29, 2026 | 4.3062 XLM | −7.08% |
| Sep 28, 2026 | 4.6343 XLM | +0.33% |
| Sep 27, 2026 | 4.6191 XLM | +1.72% |
| Sep 26, 2026 | 4.5411 XLM | −1.24% |
| Sep 25, 2026 | 4.5982 XLM | −7.07% |
| Sep 24, 2026 | 4.9482 XLM | +6.9% |
Market data: USDC and XLM
USD Coin USDC- Price
- $0.999819
- 24 hours
- −0.01%
- Week
- −0.01%
- Market cap
- $74.2 B
- 24-hour turnover
- $17.83 B
- Rank by cap
- #6
- In circulation
- 74.21 B USDC
- All-time high
- $1.04
Stellar XLM- Price
- $0.224961
- 24 hours
- +2.02%
- Week
- +11.92%
- Market cap
- $7.88 B
- 24-hour turnover
- $357.62 M
- Rank by cap
- #20
- In circulation
- 35.02 B XLM
- All-time high
- $0.875563
Source: CoinGecko, Sep 30, 2026 22:57.
USD Coin and Stellar: how they differ
| USD Coin (USDC) | Stellar (XLM) | |
|---|---|---|
| Ticker | USDC | XLM |
| Type | token | coin of its own network |
| Network | Polygon | — |
| Fees are paid in | POL | — |
| Launched | 2018 | 2014 |
| Built by | Circle | Jed McCaleb, Joyce Kim |
| Supply cap | no cap | 50 B XLM |
| In circulation | 74.21 B USDC | 35.02 B XLM |
| Market cap | $74.2 B | $7.88 B |
| Rank by cap | #6 | #20 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Daily moves of USDC and XLM over the quarter link at 0.04 (they travel apart).
Why people take the USDC Polygon → XLM route
- Entering XLM from dollarsUSDC goes into Stellar in one step, with no coin in between: over the last month XLM posted +30.6%.
- Quick settlementA block in Stellar closes in about 5 sec, which is why Stellar is taken for transfers more often than for holding.
- Different basketsDaily moves of USDC and XLM over 90 days link at 0.04 (they travel apart) — the weaker the link, the less a portfolio rests on one coin.
Common questions: USDC Polygon → XLM
What rate does USDC Polygon to XLM run at?
As of Sep 30, 2026 23:20 it is 1 USDC Polygon = 4.4312 XLM. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.996848.
What amounts does USDC Polygon → XLM accept?
From 100.67 to 10,000,000 USDC Polygon per order. The floor is roughly $100.65.
Why can I not swap less than 100.67 USDC Polygon?
The network fee and the handling do not depend on the amount. On a transfer below 100.67 USDC Polygon they eat a noticeable share of it, and the swap stops making sense for either side.
Is anything charged on top of the rate?
No. The payout is already worked out at the rate in the calculator. Separately you pay only the network fee for sending USDC Polygon, and the blockchain takes that one.
How long does swapping USDC Polygon for XLM take?
The clock starts with confirmations: as soon as Polygon confirms your transfer, the order goes out for payout with no operator involved. After that the timing is set by how busy the network is — which is the difference between quick and instant.
Which network will XLM arrive in?
Stellar arrives in its own Stellar network — a plain XLM address is all you need. Some exchanges and wallets also need a Memo.
What happens if the rate moves while I am paying?
Nothing: the rate is locked in the order and holds for as long as the order is alive. It is recalculated only if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.
What did the USDC Polygon to XLM rate do over the month?
Over the month, minus 23.44%: a low of 4.3062, a high of 5.7252, an average of 5.2095 XLM per 1 USDC Polygon.
Can I swap back, XLM for USDC Polygon?
Yes, the reverse is open too: 1 XLM = 0.225668 USDC Polygon. The link to switch sits under the calculator.
Related reading
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