Swap Stellar (XLM) to USD Coin (USDC)
Exchange Stellar for USD Coin without an account. Enter an amount, give a USD Coin address, send the exact XLM amount shown — your USDC follows once the deposit confirms.
XLM to USDC rate
Market rate, updated 2026-10-26 15:05 UTC1 XLM = 0.170094 USDC
1 USDC = 5.8791 XLM
Stellar is trading at $0.170006 and USD Coin at $0.999483. Your quote applies a 0.5% swap fee and a network-fee charge for theUSD Coin payout to this rate, and shows the exact USDC you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 58.82 XLM | 10.005 USDC | $10 |
| 294.1 XLM | 50.026 USDC | $50 |
| 588.2 XLM | 100.05 USDC | $100 |
| 2941 XLM | 500.26 USDC | $500 |
| 5882 XLM | 1000.5 USDC | $1,000 |
| 29410 XLM | 5002.6 USDC | $5,000 |
XLM to USDC swap details
- Minimum swap
- $100 (≈ 588 XLM)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the USD Coin payout transaction, shown in the quote
- Quote valid for
- 90 seconds to accept, then refreshed
- XLM deposit confirmation
- Verified on the Stellar network before the payout is released
- USDC payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange Stellar (XLM) to USD Coin (USDC)?
Exchange XLM for USDC and the USD Coin goes to an address you control. No account to open, no balance left with us.
The XLM/USDC exchange rate, the network fee and the swap fee are shown before you send a single XLM. The USDC amount quoted is the USDC amount you get.
Nothing is asked of you beyond a USD Coin address. Send the exact XLM figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending Stellar
Stellar is a payments-focused layer-1 for fast, low-cost transfers and asset issuance. XLM is its native token.
Stellar blocks arrive about 5 seconds, so a deposit usually confirms in under a minute.
Your XLM deposit is verified on the Stellar network before the swap proceeds — typically under a minute after you send.
Send XLM on the Stellar network. Some exchanges require a memo — send to a personal wallet or include the memo the exchange specifies.
Receiving USD Coin
USD Coin is a fully reserved US-dollar stablecoin issued by Circle; a USDC token on one network is not the same as on another, so the network you send on has to match the one you pick.
USDC can be paid out on Ethereum (ERC-20), Solana, Tron (TRC-20), BNB Smart Chain (BEP-20), Polygon and Arbitrum One. Pick the network you want in the widget and give an address on that network — an 0x… address on Ethereum.
Choose the network you want the USDC on; the address you give must belong to that network.
The payout is sent once your deposit is confirmed. USD Coin blocks arrive that of the network it is on, so it is usually spendable within minutes of being sent.
How to swap XLM to USDC
Full details →- 01Get a XLM to USDC quote
Enter how much Stellar you want to convert. You see the live XLM to USDC rate, both fees and the exact USD Coin you will receive before you commit.
- 02Send your Stellar
You get a Stellar (XLM) deposit address and an exact amount. Send it from any Stellar wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive USD Coin (USDC)
Once the XLM deposit confirms on-chain, USD Coin is sent to the USD Coin address you gave. Track it on the swap’s status page, no login needed.
Stellar (XLM) to USD Coin (USDC) FAQ
- What does the XLM to USDC rate mean?
- It is how much USD Coin (USDC) you receive for each Stellar (XLM) you send, taken from live market prices at the moment you ask for a quote. The rate moves with the market, so you have 90 seconds to accept a quote and create the swap; the widget refreshes it automatically if you take longer. Funding the swap once it exists has its own separate deadline, shown on your swap page.
- How do I convert XLM to USDC?
- Enter the amount of XLM in the widget, choose USDC as what you receive, and give a USD Coin address. You are shown a deposit address and an exact XLM amount; send that amount and the USDC is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange XLM for USDC?
- Two, both shown in the quote before you send: a swap fee of 0.5% of the amount, and a network-fee charge for the USD Coin payout transaction. There is nothing added afterwards — the USDC amount in the quote is the USDC amount that arrives.
- What is the minimum XLM/USDC exchange amount?
- $100 worth, shown in the widget as an amount of XLM at the current rate. There is no maximum imposed by the site beyond available USD Coin liquidity, and no verification at any size.
- Do I need an ID to swap XLM to USDC?
- No. There is no KYC, no account and no email required. A swap is identified by its link, which shows its status without logging in. Creating an account is optional and only keeps your swap history in one place.
- How long do XLM to USDC swaps take?
- Stellar deposits usually confirm in under a minute, after which the deposit is verified on-chain. Swap times vary by asset and by how quickly its network confirms. Your swap status page shows the current stage throughout the process.
- Which USD Coin address should I give?
- Any address in a format USD Coin accepts: an 0x… address on Ethereum. Choose the network you want the USDC on; the address you give must belong to that network.
- What happens if my XLM deposit is late or the swap expires?
- There are two separate deadlines. The quote itself is held for 90 seconds — that is how long you have to accept the price and create the swap. Once the swap exists you get a separate funding window, shown on your swap page, to send the XLM. If your deposit arrives after that window closes, the status page shows Expired and the swap moves to Review required; it is then completed at the current rate or refunded to your refund address. Nothing is lost by being late — a late deposit just needs review before it is processed.
- Can I swap USDC back to XLM?
- Yes — every pair works in both directions. The USDC to XLM page is linked below.
Related swaps
All pairs →Going the other way? Swap USD Coin to Stellar.
See every route into USD Coin or everything you can swap Stellar for.