Stellar (XLM) → USD Coin (USDC NEAR)

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 XLM → USDC NEAR 1 XLM = 0.221538 USDC NEAR 1 USDC NEAR = 4.5139 XLM

Rate as of Sep 30, 2026 07:45

Orders from: 450.5258 XLM ≈ $99.85
Payout network: NEAR
24 hours: −1.35%

You send

XLM

You get 1,107.69

USDC NEAR

Create the order

Rate: 1 XLM = 0.221538 USDC NEAR
From: 450.5258 XLM
Up to: 45,100,000 XLM

Preliminary figure: the final amount is locked in the order.

Right now 1 XLM gets you 0.221538 USDC NEAR; the other way round, 1 USDC NEAR is 4.5139 XLM. Over 24 hours XLM/USDC NEAR came in at minus 1.35%. Over the week, plus 1.88%.

The weekly range ran from 0.197931 to 0.233483 USDC NEAR, a spread of 17.96%. One order takes from 450.5258 to 45,100,000 XLM. In dollars that is roughly $99.85.

The robot sends the payout in the NEAR network, so the address has to belong to that network — a transfer to another one will not arrive. Market capitalisation puts Stellar at No. 20 ($7.76 B) and USD Coin at No. 6 ($74.39 B). Over 90 days the daily moves of XLM and USDC correlate at 0.04 (they travel apart).

Which network USDC arrives in

The same USDC goes out in several networks. Each has its own rate and its own floor, and the fee is charged by the network itself.

Network	Per 1 XLM	From	Network fee	Speed
Ethereum (ERC20)	0.221538	912.7419 XLM	≈ $0.018	medium
Solana	0.221538	912.7419 XLM	≈ $0.0006	fast
Arbitrum One	0.221538	912.7419 XLM	≈ $0.0035	fast
BASE	0.221538	912.7419 XLM	—	—
BNB Smart Chain (BEP20)	0.221538	450.5258 XLM	≈ $0.0025	fast
Avalanche C-Chain	0.221538	450.5258 XLM	≈ $0.0037	fast
NEAR open	0.221538	450.5258 XLM	—	—
Optimism	0.221538	450.5258 XLM	≈ $0.00018	fast
Polygon	0.221538	450.5258 XLM	≈ $0.002	fast
XLM	0.221538	450.5258 XLM	—	—

XLM → USDC: all networks side by side Network charges for USDC

Rate and amounts for XLM → USDC NEAR

Send XLM — receive USDC NEARNeed USDC NEAR — send this much XLM

XLM	USDC NEAR
500	110.7689
2,000	443.0756
5,000	1,107.69
20,000	4,430.76
50,000	11,076.89
200,000	44,307.56

USDC NEAR	XLM
100	451.3903
500	2,256.95
2,000	9,027.81
5,000	22,569.51
20,000	90,278.05
100,000	451,390.27

How the XLM → USDC NEAR exchange runs

Work out the amount in the calculator — orders start at 450.5258 XLM.
Give a USDC address on NEAR and a contact for the order.
Send XLM on Stellar, exactly the amount the order shows.
Nothing else is needed from you: as soon as the network confirms the transfer, the robot sends USD Coin to your address. The order page shows the status.

Swap XLM for USDC NEAR

Check this before sending XLM

The address network is NEAR. Sending through another network almost always means losing the transfer.
The transfer must not be smaller than 450.5258 XLM.
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 XLM to USDC NEAR rate has moved

WeekMonthQuarterYear

high 0.233483 USDC NEARlow 0.197931 USDC NEAR

Sep 23, 2026 07:47Sep 30, 2026 07:47

high 0.223271 USDC NEARlow 0.174667 USDC NEAR

Aug 30, 2026 05:00Sep 29, 2026 05:00

high 0.223271 USDC NEARlow 0.154767 USDC NEAR

Jul 1, 2026 05:00Sep 29, 2026 05:00

high 0.410094 USDC NEARlow 0.143382 USDC NEAR

Oct 1, 2025 05:00Sep 29, 2026 05:00

24 hours: −1.35%
Week: +1.88%
Weekly high: 0.233483 USDC NEAR
Weekly low: 0.197931 USDC NEAR
Spread: 17.96%

Market data from CoinGecko as of Sep 30, 2026 07:27. The exchange rate is worked out separately and differs from the market one. How these numbers are counted

The XLM/USDC NEAR spread by period

Period	High	Low	Middle	Period result
24 hours	0.233483	0.221018	0.226363	−1.35%
Week	0.233483	0.197931	0.216649	+1.88%
Month	0.223271	0.174667	0.191591	+24.27%
Quarter	0.223271	0.154767	0.183655	+18.38%

Figures are in USDC NEAR per unit of the currency you send, taken from market data.

Daily XLM → USDC NEAR rate

Day	Close	Against the day before
Sep 29, 2026	0.223271 USDC NEAR	+3.47%
Sep 28, 2026	0.215781 USDC NEAR	−0.33%
Sep 27, 2026	0.216491 USDC NEAR	−1.69%
Sep 26, 2026	0.22021 USDC NEAR	+1.26%
Sep 25, 2026	0.217474 USDC NEAR	+7.61%
Sep 24, 2026	0.202093 USDC NEAR	−6.45%
Sep 23, 2026	0.216039 USDC NEAR	+0.31%

Market data: XLM and USDC

Stellar XLM

Price: $0.221641
24 hours: −1.36%
Week: +2.19%
Market cap: $7.76 B
24-hour turnover: $465.68 M
Rank by cap: #20
In circulation: 35.02 B XLM
All-time high: $0.875563

USD Coin USDC

Price: $0.999858
24 hours: −0.01%
Week: −0.01%
Market cap: $74.39 B
24-hour turnover: $18.17 B
Rank by cap: #6
In circulation: 74.4 B USDC
All-time high: $1.04

Source: CoinGecko, Sep 30, 2026 07:27.

Stellar and USD Coin: how they differ

	Stellar (XLM)	USD Coin (USDC)
Ticker	XLM	USDC
Type	coin of its own network	token
Launched	2014	2018
Built by	Jed McCaleb, Joyce Kim	Circle
Consensus	Stellar Consensus Protocol	—
Block	~5 sec	—
Supply cap	50 B XLM	no cap
Privacy	transfers are public	—
In circulation	35.02 B XLM	74.4 B USDC
Market cap	$7.76 B	$74.39 B
Rank by cap	#20	#6
Network	—	NEAR

Daily moves of XLM and USDC over the quarter link at 0.04 (they travel apart).

Why people take the XLM → USDC NEAR route

Stepping out of the swingsXLM moved +24.26% over the past month. USDC tracks the dollar, so after the swap the amount stops following XLM.
It works both waysThe USDC NEAR → XLM direction is open as well — going back into XLM takes the same route and the same automation.

Common questions: XLM → USDC NEAR

What rate does XLM to USDC NEAR run at?

As of Sep 30, 2026 07:45 it is 1 XLM = 0.221538 USDC NEAR. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.221506.

What amounts does XLM → USDC NEAR accept?

From 450.5258 to 45,100,000 XLM per order. The floor is roughly $99.85.

Why can I not swap less than 450.5258 XLM?

The network fee and the handling do not depend on the amount. On a transfer below 450.5258 XLM 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 XLM, and the blockchain takes that one.

How long does swapping XLM for USDC NEAR take?

The clock starts with confirmations: as soon as Stellar 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. A block in Stellar closes in about 5 sec.

Which network will USDC NEAR arrive in?

The payout goes out on NEAR. Check that the receiving wallet supports that network.

Which network is cheaper for receiving USDC?

Usually USDC SOL, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC Optimism, USDC Polygon works out cheaper. Still, the network is picked by what the recipient accepts, not by the fee.

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 XLM to USDC NEAR rate do over the month?

Over the month, plus 24.27%: a low of 0.174667, a high of 0.223271, an average of 0.191591 USDC NEAR per 1 XLM.

Can I swap back, USDC NEAR for XLM?

Yes, the reverse is open too: 1 USDC NEAR = 4.5138 XLM. The link to switch sits under the calculator.