Stellar (XLM) → USD Coin (USDC 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 XLM → USDC XLM 1 XLM = 0.221118 USDC XLM 1 USDC XLM = 4.5225 XLM

Rate as of Sep 30, 2026 07:40

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

You send

XLM

You get 1,105.59

USDC XLM

Create the order

Rate: 1 XLM = 0.221118 USDC XLM
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 0.221118 USDC XLM; the other way round, 1 USDC XLM is 4.5225 XLM. Over 24 hours XLM/USDC XLM came in at minus 1.35%. Over the week, plus 1.88%.

The weekly range ran from 0.197931 to 0.233483 USDC XLM, 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 XLM 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)	0.221118	912.7419 XLM	≈ $0.018	medium
Solana	0.221118	912.7419 XLM	≈ $0.0006	fast
Arbitrum One	0.221118	912.7419 XLM	≈ $0.0035	fast
BASE	0.221118	912.7419 XLM	—	—
BNB Smart Chain (BEP20)	0.221118	450.5258 XLM	≈ $0.0025	fast
Avalanche C-Chain	0.221118	450.5258 XLM	≈ $0.0037	fast
NEAR	0.221118	450.5258 XLM	—	—
Optimism	0.221118	450.5258 XLM	≈ $0.00018	fast
Polygon	0.221118	450.5258 XLM	≈ $0.002	fast
XLM open	0.221118	450.5258 XLM	—	—

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

Rate and amounts for XLM → USDC XLM

Send XLM — receive USDC XLMNeed USDC XLM — send this much XLM

XLM	USDC XLM
500	110.5589
2,000	442.2356
5,000	1,105.59
20,000	4,422.36
50,000	11,055.89
200,000	44,223.56

USDC XLM	XLM
100	452.2476
500	2,261.24
2,000	9,044.95
5,000	22,612.38
20,000	90,449.53
100,000	452,247.65

How the XLM → USDC XLM exchange runs

Work out the amount in the calculator — orders start at 450.5258 XLM.
Give a USDC address on XLM 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 XLM

Check this before sending XLM

The address network is XLM. 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 XLM rate has moved

WeekMonthQuarterYear

high 0.233483 USDC XLMlow 0.197931 USDC XLM

Sep 23, 2026 07:45Sep 30, 2026 07:45

high 0.223271 USDC XLMlow 0.174667 USDC XLM

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

high 0.223271 USDC XLMlow 0.154767 USDC XLM

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

high 0.410094 USDC XLMlow 0.143382 USDC XLM

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

24 hours: −1.35%
Week: +1.88%
Weekly high: 0.233483 USDC XLM
Weekly low: 0.197931 USDC XLM
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 XLM 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 XLM per unit of the currency you send, taken from market data.

Daily XLM → USDC XLM rate

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

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

Why people take the XLM → USDC XLM 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 XLM → XLM direction is open as well — going back into XLM takes the same route and the same automation.

Common questions: XLM → USDC XLM

What rate does XLM to USDC XLM run at?

As of Sep 30, 2026 07:40 it is 1 XLM = 0.221118 USDC XLM. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.221086.

What amounts does XLM → USDC XLM 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 XLM 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 XLM arrive in?

The payout goes out on XLM. 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 XLM 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 XLM per 1 XLM.

Can I swap back, USDC XLM for XLM?

Yes, the reverse is open too: 1 USDC XLM = 4.5224 XLM. The link to switch sits under the calculator.