Tezos (XTZ) → 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 XTZ → USDC XLM
1 XTZ = 0.317547 USDC XLM
1 USDC XLM = 3.1491 XTZ
Rate as of Sep 30, 2026 22:50
- Orders from
- 321.4959 XTZ ≈ $102.41
- Payout network
- XLM
- 24 hours
- +2.26%
Right now 1 XTZ gets you 0.317547 USDC XLM; the other way round, 1 USDC XLM is 3.1491 XTZ. Over 24 hours XTZ/USDC XLM came in at plus 2.26%. Over the week, minus 1.64%.
The weekly range ran from 0.305603 to 0.333723 USDC XLM, a spread of 9.2%. One order takes from 321.4959 to 31,400,000 XTZ. In dollars that is roughly $102.41.
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 Tezos at No. 136 ($349.76 M) and USD Coin at No. 6 ($74.2 B). Over 90 days the daily moves of XTZ and USDC correlate at 0.01 (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 XTZ | From | Network fee | Speed |
|---|---|---|---|---|
| Ethereum (ERC20) | 0.317547 | 321.4959 XTZ | ≈ $0.17 | medium |
| Solana | 0.317547 | 321.4959 XTZ | ≈ $0.0006 | fast |
| Arbitrum One | 0.317547 | 321.4959 XTZ | ≈ $0.0036 | fast |
| BASE | 0.317547 | 321.4959 XTZ | — | — |
| BNB Smart Chain (BEP20) | 0.317547 | 321.4959 XTZ | ≈ $0.0025 | fast |
| Avalanche C-Chain | 0.317547 | 321.4959 XTZ | ≈ $0.0036 | fast |
| NEAR | 0.317547 | 321.4959 XTZ | — | — |
| Optimism | 0.317547 | 321.4959 XTZ | ≈ $0.00023 | fast |
| Polygon | 0.317547 | 321.4959 XTZ | ≈ $0.002 | fast |
| XLM open | 0.317547 | 321.4959 XTZ | — | — |
XTZ → USDC: all networks side by side Network charges for USDC
Rate and amounts for XTZ → USDC XLM
| XTZ | USDC XLM |
|---|---|
| 500 | 158.7734 |
| 2,000 | 635.0936 |
| 5,000 | 1,587.73 |
| 20,000 | 6,350.94 |
| 50,000 | 15,877.34 |
| 200,000 | 63,509.36 |
| USDC XLM | XTZ |
|---|---|
| 200 | 629.8284 |
| 1,000 | 3,149.14 |
| 2,000 | 6,298.28 |
| 10,000 | 31,491.42 |
| 20,000 | 62,982.84 |
| 100,000 | 314,914.19 |
How the XTZ → USDC XLM exchange runs
- Work out the amount in the calculator — orders start at 321.4959 XTZ.
- Give a USDC address on XLM and a contact for the order.
- Send XTZ on Tezos, 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.
Check this before sending XTZ
- The address network is XLM. Sending through another network almost always means losing the transfer.
- The transfer must not be smaller than 321.4959 XTZ.
- 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 XTZ to USDC XLM rate has moved
high 0.333723 USDC XLMlow 0.305603 USDC XLM
Sep 23, 2026 22:54Sep 30, 2026 22:54
high 0.365685 USDC XLMlow 0.210844 USDC XLM
Aug 31, 2026 05:00Sep 30, 2026 05:00
high 0.365685 USDC XLMlow 0.194559 USDC XLM
Jul 2, 2026 05:00Sep 30, 2026 05:00
high 0.719392 USDC XLMlow 0.194559 USDC XLM
Oct 1, 2025 05:00Sep 30, 2026 05:00
- 24 hours
- +2.26%
- Week
- −1.64%
- Weekly high
- 0.333723 USDC XLM
- Weekly low
- 0.305603 USDC XLM
- Spread
- 9.2%
Market data from CoinGecko as of Sep 30, 2026 22:27. The exchange rate is worked out separately and differs from the market one. How these numbers are counted
The XTZ/USDC XLM spread by period
| Period | High | Low | Middle | Period result |
|---|---|---|---|---|
| 24 hours | 0.321415 | 0.311795 | 0.315969 | +2.26% |
| Week | 0.333723 | 0.305603 | 0.321941 | −1.64% |
| Month | 0.365685 | 0.210844 | 0.277153 | +49.66% |
| Quarter | 0.365685 | 0.194559 | 0.23851 | +49.39% |
Figures are in USDC XLM per unit of the currency you send, taken from market data.
Daily XTZ → USDC XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 30, 2026 | 0.315541 USDC XLM | +0.74% |
| Sep 29, 2026 | 0.313228 USDC XLM | −2.43% |
| Sep 28, 2026 | 0.321016 USDC XLM | −2.49% |
| Sep 27, 2026 | 0.329217 USDC XLM | −0.84% |
| Sep 26, 2026 | 0.33202 USDC XLM | +0.06% |
| Sep 25, 2026 | 0.331809 USDC XLM | +2.16% |
| Sep 24, 2026 | 0.3248 USDC XLM | −6.54% |
Market data: XTZ and USDC
Tezos XTZ- Price
- $0.318538
- 24 hours
- +2.25%
- Week
- −1.26%
- Market cap
- $349.76 M
- 24-hour turnover
- $8.02 M
- Rank by cap
- #136
- In circulation
- 1.1 B XTZ
- All-time high
- $9.12
USD Coin USDC- Price
- $0.999833
- 24 hours
- −0.01%
- Week
- −0.01%
- Market cap
- $74.2 B
- 24-hour turnover
- $17.63 B
- Rank by cap
- #6
- In circulation
- 74.21 B USDC
- All-time high
- $1.04
Source: CoinGecko, Sep 30, 2026 22:27.
Tezos and USD Coin: how they differ
| Tezos (XTZ) | USD Coin (USDC) | |
|---|---|---|
| Ticker | XTZ | USDC |
| Type | coin of its own network | token |
| Launched | 2018 | 2018 |
| Built by | Arthur Breitman, Kathleen Breitman | Circle |
| Consensus | Liquid Proof of Stake | — |
| Privacy | transfers are public | — |
| In circulation | 1.1 B XTZ | 74.21 B USDC |
| Market cap | $349.76 M | $74.2 B |
| Rank by cap | #136 | #6 |
| Network | — | XLM |
| Supply cap | — | no cap |
Daily moves of XTZ and USDC over the quarter link at 0.01 (they travel apart).
Why people take the XTZ → USDC XLM route
- Stepping out of the swingsXTZ moved +49.64% over the past month. USDC tracks the dollar, so after the swap the amount stops following XTZ.
- It works both waysThe USDC XLM → XTZ direction is open as well — going back into XTZ takes the same route and the same automation.
Common questions: XTZ → USDC XLM
What rate does XTZ to USDC XLM run at?
As of Sep 30, 2026 22:50 it is 1 XTZ = 0.317547 USDC XLM. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.317494.
What amounts does XTZ → USDC XLM accept?
From 321.4959 to 31,400,000 XTZ per order. The floor is roughly $102.41.
Why can I not swap less than 321.4959 XTZ?
The network fee and the handling do not depend on the amount. On a transfer below 321.4959 XTZ 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 XTZ, and the blockchain takes that one.
How long does swapping XTZ for USDC XLM take?
The clock starts with confirmations: as soon as Tezos 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 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 XTZ to USDC XLM rate do over the month?
Over the month, plus 49.66%: a low of 0.210844, a high of 0.365685, an average of 0.277153 USDC XLM per 1 XTZ.
Can I swap back, USDC XLM for XTZ?
Yes, the reverse is open too: 1 USDC XLM = 3.1491 XTZ. The link to switch sits under the calculator.
Related reading
Other directions
The other way round
Send XTZ, receive something else
XTZ → USDS0.31789
XTZ → USDT Arbitrum0.318017- XTZ → USDT BEP200.318017
- XTZ → USDT AVAX C0.318017
- XTZ → USDT ERC200.318017
- XTZ → USDT NEAR0.318017
- XTZ → USDT Optimism0.318017
- XTZ → USDT SOL0.318017
