Tether (USDT NEAR) → 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 USDT NEAR → XLM
1 USDT NEAR = 4.5071 XLM
1 XLM = 0.221872 USDT NEAR
Rate as of Sep 30, 2026 09:15
- Orders from
- 100.67 USDT NEAR ≈ $100.63
- Payout network
- Stellar
- 24 hours
- +2.16%
Right now 1 USDT NEAR gets you 4.5071 XLM; the other way round, 1 XLM is 0.221872 USDT NEAR. Over 24 hours USDT NEAR/XLM came in at plus 2.16%. Over the week, minus 1.19%.
The weekly range ran from 4.3112 to 5.0192 XLM, a spread of 16.42%. One order takes from 100.67 to 10,000,000 USDT NEAR. In dollars that is roughly $100.63.
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 Tether at No. 3 ($183.8 B) and Stellar at No. 20 ($7.75 B). Over 90 days the daily moves of USDT and XLM correlate at 0.14 (they travel apart).
Rate and amounts for USDT NEAR → XLM
| USDT NEAR | XLM |
|---|---|
| 200 | 901.4198 |
| 1,000 | 4,507.1 |
| 2,000 | 9,014.2 |
| 10,000 | 45,070.99 |
| 20,000 | 90,141.98 |
| 100,000 | 450,709.88 |
| XLM | USDT NEAR |
|---|---|
| 500 | 110.9361 |
| 2,000 | 443.7444 |
| 5,000 | 1,109.36 |
| 20,000 | 4,437.44 |
| 50,000 | 11,093.61 |
| 200,000 | 44,374.44 |
How the USDT NEAR → XLM exchange runs
- Work out the amount in the calculator — orders start at 100.67 USDT NEAR.
- 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 USDT NEAR on NEAR, 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 USDT NEAR
- 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 USDT NEAR.
- 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 USDT NEAR to XLM rate has moved
high 5.0192 XLMlow 4.3112 XLM
Sep 23, 2026 09:18Sep 30, 2026 09:18
high 5.7252 XLMlow 4.478 XLM
Aug 30, 2026 05:00Sep 29, 2026 05:00
high 6.4591 XLMlow 4.478 XLM
Jul 1, 2026 05:00Sep 29, 2026 05:00
high 6.97 XLMlow 2.4399 XLM
Oct 1, 2025 05:00Sep 29, 2026 05:00
- 24 hours
- +2.16%
- Week
- −1.19%
- Weekly high
- 5.0192 XLM
- Weekly low
- 4.3112 XLM
- Spread
- 16.42%
Market data from CoinGecko as of Sep 30, 2026 08:57. The exchange rate is worked out separately and differs from the market one. How these numbers are counted
The USDT NEAR/XLM spread by period
| Period | High | Low | Middle | Period result |
|---|---|---|---|---|
| 24 hours | 4.5143 | 4.3112 | 4.4284 | +2.16% |
| Week | 5.0192 | 4.3112 | 4.6189 | −1.19% |
| Month | 5.7252 | 4.478 | 5.2527 | −19.55% |
| Quarter | 6.4591 | 4.478 | 5.4825 | −15.49% |
Figures are in XLM per unit of the currency you send, taken from market data.
Daily USDT NEAR → XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 29, 2026 | 4.478 XLM | −3.37% |
| Sep 28, 2026 | 4.634 XLM | +0.33% |
| Sep 27, 2026 | 4.6189 XLM | +1.72% |
| Sep 26, 2026 | 4.5408 XLM | −1.24% |
| Sep 25, 2026 | 4.5977 XLM | −7.08% |
| Sep 24, 2026 | 4.9481 XLM | +6.9% |
| Sep 23, 2026 | 4.6287 XLM | −0.31% |
Market data: USDT and XLM
Tether USDT- Price
- $0.99965
- 24 hours
- 0%
- Week
- −0.02%
- Market cap
- $183.8 B
- 24-hour turnover
- $58.39 B
- Rank by cap
- #3
- In circulation
- 183.87 B USDT
- All-time high
- $1.32
Stellar XLM- Price
- $0.221371
- 24 hours
- −2.11%
- Week
- +1.57%
- Market cap
- $7.75 B
- 24-hour turnover
- $459.47 M
- Rank by cap
- #20
- In circulation
- 35.02 B XLM
- All-time high
- $0.875563
Source: CoinGecko, Sep 30, 2026 08:57.
Tether and Stellar: how they differ
| Tether (USDT) | Stellar (XLM) | |
|---|---|---|
| Ticker | USDT | XLM |
| Type | token | coin of its own network |
| Network | NEAR | — |
| Launched | 2014 | 2014 |
| Built by | Tether Limited | Jed McCaleb, Joyce Kim |
| Supply cap | no cap | 50 B XLM |
| In circulation | 183.87 B USDT | 35.02 B XLM |
| Market cap | $183.8 B | $7.75 B |
| Rank by cap | #3 | #20 |
| Consensus | — | Stellar Consensus Protocol |
| Block | — | ~5 sec |
| Privacy | — | transfers are public |
Daily moves of USDT and XLM over the quarter link at 0.14 (they travel apart).
Why people take the USDT NEAR → XLM route
- Entering XLM from dollarsUSDT goes into Stellar in one step, with no coin in between: over the last month XLM posted +24.26%.
- 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 USDT and XLM over 90 days link at 0.14 (they travel apart) — the weaker the link, the less a portfolio rests on one coin.
Common questions: USDT NEAR → XLM
What rate does USDT NEAR to XLM run at?
As of Sep 30, 2026 09:15 it is 1 USDT NEAR = 4.5071 XLM. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.997741.
What amounts does USDT NEAR → XLM accept?
From 100.67 to 10,000,000 USDT NEAR per order. The floor is roughly $100.63.
Why can I not swap less than 100.67 USDT NEAR?
The network fee and the handling do not depend on the amount. On a transfer below 100.67 USDT NEAR 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 USDT NEAR, and the blockchain takes that one.
How long does swapping USDT NEAR for XLM take?
The clock starts with confirmations: as soon as NEAR 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 USDT NEAR to XLM rate do over the month?
Over the month, minus 19.55%: a low of 4.478, a high of 5.7252, an average of 5.2527 XLM per 1 USDT NEAR.
Can I swap back, XLM for USDT NEAR?
Yes, the reverse is open too: 1 XLM = 0.221868 USDT NEAR. The link to switch sits under the calculator.
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