Stellar (XLM) → Tether (USDT 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 → USDT NEAR 1 XLM = 0.221868 USDT NEAR 1 USDT NEAR = 4.5072 XLM

Rate as of Sep 30, 2026 09:15

Orders from: 450.5258 XLM ≈ $99.73
Payout network: NEAR
24 hours: −2.11%

You send

XLM

You get 1,109.34

USDT NEAR

Create the order

Rate: 1 XLM = 0.221868 USDT NEAR
From: 450.5258 XLM
Up to: 45,200,000 XLM

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

Right now 1 XLM gets you 0.221868 USDT NEAR; the other way round, 1 USDT NEAR is 4.5072 XLM. Over 24 hours XLM/USDT NEAR came in at minus 2.11%. Over the week, plus 1.2%.

The weekly range ran from 0.199234 to 0.231956 USDT NEAR, a spread of 16.42%. One order takes from 450.5258 to 45,200,000 XLM. In dollars that is roughly $99.73.

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 ($7.75 B) and Tether at No. 3 ($183.8 B). Over 90 days the daily moves of XLM and USDT correlate at 0.14 (they travel apart).

Which network USDT arrives in

The same USDT 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)	0.221868	912.7419 XLM	≈ $0.026	medium
TRON (TRC20)	0.221868	912.7419 XLM	≈ $2.3	fast
BNB Smart Chain (BEP20)	0.221868	912.7419 XLM	≈ $0.0025	fast
Solana	0.221868	912.7419 XLM	≈ $0.0006	fast
Arbitrum One	0.221868	450.5258 XLM	≈ $0.0035	fast
Avalanche C-Chain	0.221868	450.5258 XLM	≈ $0.0037	fast
NEAR open	0.221868	450.5258 XLM	—	—
Optimism	0.221868	450.5258 XLM	≈ $0.00018	fast

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

Rate and amounts for XLM → USDT NEAR

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

XLM	USDT NEAR
500	110.9339
2,000	443.7356
5,000	1,109.34
20,000	4,437.36
50,000	11,093.39
200,000	44,373.56

USDT NEAR	XLM
100	450.7189
500	2,253.59
2,000	9,014.38
5,000	22,535.94
20,000	90,143.78
100,000	450,718.89

How the XLM → USDT NEAR exchange runs

Work out the amount in the calculator — orders start at 450.5258 XLM.
Give a USDT 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 Tether to your address. The order page shows the status.

Swap XLM for USDT 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 USDT NEAR rate has moved

WeekMonthQuarterYear

high 0.231956 USDT NEARlow 0.199234 USDT NEAR

Sep 23, 2026 09:18Sep 30, 2026 09:18

high 0.223316 USDT NEARlow 0.174665 USDT NEAR

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

high 0.223316 USDT NEARlow 0.15482 USDT NEAR

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

high 0.409854 USDT NEARlow 0.143473 USDT NEAR

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

24 hours: −2.11%
Week: +1.2%
Weekly high: 0.231956 USDT NEAR
Weekly low: 0.199234 USDT NEAR
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 XLM/USDT NEAR spread by period

Period	High	Low	Middle	Period result
24 hours	0.231956	0.22152	0.225864	−2.11%
Week	0.231956	0.199234	0.21679	+1.2%
Month	0.223316	0.174665	0.191607	+24.3%
Quarter	0.223316	0.15482	0.183699	+18.33%

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

Daily XLM → USDT NEAR rate

Day	Close	Against the day before
Sep 29, 2026	0.223316 USDT NEAR	+3.48%
Sep 28, 2026	0.215797 USDT NEAR	−0.33%
Sep 27, 2026	0.216501 USDT NEAR	−1.69%
Sep 26, 2026	0.220226 USDT NEAR	+1.25%
Sep 25, 2026	0.217501 USDT NEAR	+7.62%
Sep 24, 2026	0.202099 USDT NEAR	−6.45%
Sep 23, 2026	0.216045 USDT NEAR	+0.31%

Market data: XLM and USDT

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

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

Source: CoinGecko, Sep 30, 2026 08:57.

Stellar and Tether: how they differ

	Stellar (XLM)	Tether (USDT)
Ticker	XLM	USDT
Type	coin of its own network	token
Launched	2014	2014
Built by	Jed McCaleb, Joyce Kim	Tether Limited
Consensus	Stellar Consensus Protocol	—
Block	~5 sec	—
Supply cap	50 B XLM	no cap
Privacy	transfers are public	—
In circulation	35.02 B XLM	183.87 B USDT
Market cap	$7.75 B	$183.8 B
Rank by cap	#20	#3
Network	—	NEAR

Daily moves of XLM and USDT over the quarter link at 0.14 (they travel apart).

Why people take the XLM → USDT NEAR route

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

Common questions: XLM → USDT NEAR

What rate does XLM to USDT NEAR run at?

As of Sep 30, 2026 09:15 it is 1 XLM = 0.221868 USDT NEAR. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.22179.

What amounts does XLM → USDT NEAR accept?

From 450.5258 to 45,200,000 XLM per order. The floor is roughly $99.73.

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 USDT 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 USDT NEAR arrive in?

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

Which network is cheaper for receiving USDT?

Usually USDT BEP20, USDT SOL, USDT Arbitrum, USDT AVAX C, USDT Optimism 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 USDT NEAR rate do over the month?

Over the month, plus 24.3%: a low of 0.174665, a high of 0.223316, an average of 0.191607 USDT NEAR per 1 XLM.

Can I swap back, USDT NEAR for XLM?

Yes, the reverse is open too: 1 USDT NEAR = 4.5071 XLM. The link to switch sits under the calculator.