Stellar (XLM) to USD Coin (USDC Polygon): Rate, Chart and Comparison

Live Stellar to USD Coin rate, converter, price history, volatility and a side-by-side comparison of both coins. Ready to swap? Open the exchange form.

Rate updated: Sep 21, 2026, 21:43

Minimum: 962.1398 XLM ≈ $200.58
Receiving network: Polygon
24h rate change: +6.26%

You send

XLM

You get 2,102.85

USDC Polygon

Go to exchange

Rate: 1 XLM = 0.210285 USDC Polygon
Minimum: 962.1398 XLM
Maximum: 48,000,000 XLM

The amount you get is estimated at the current rate.

Stellar is exchanged to USD Coin at 1 XLM = 0.210285 USDC Polygon, so 1 USDC Polygon costs 4.7555 XLM. According to market data, the XLM to USDC Polygon rate rose by 6.26% over the last 24 hours. Over the week it rose by 5.91%.

Over the last 7 days the rate moved between 0.173355 and 0.210611 USDC Polygon — a range of 21.49%. You can exchange from 962.1398 to 48,000,000 XLM. That is roughly $200.58 or more.

USDC is sent to your address on the Polygon network, so make sure you provide an address on that network. By market cap, Stellar ranks #20 ($7.27 B) and USD Coin ranks #6 ($74.2 B). The correlation of daily XLM and USDC price changes over the last 90 days is 0.03 (weak).

Why exchange XLM to USDC Polygon

Protection from volatilityOver the last 30 days XLM changed by +5.21%. USDC is pegged to the dollar, so after the swap your funds no longer depend on the XLM price.
Easy to switch backThe USDC Polygon → XLM direction is also available, so you can move back to XLM if needed.

How much is 1 XLM in USDC Polygon today

1 XLM = 0.210285 USDC Polygon

1 USDC Polygon = 4.7555 XLM

How much USDC Polygon you get for XLM

XLM	USDC Polygon
1,000	210.2847
2,000	420.5694
10,000	2,102.85
20,000	4,205.69
100,000	21,028.47
200,000	42,056.94

How much XLM you need to get USDC Polygon

USDC Polygon	XLM
500	2,377.73
1,000	4,755.46
5,000	23,777.29
10,000	47,554.58
50,000	237,772.88
100,000	475,545.76

Which network to receive USDC on

USDC for XLM can be received on different networks: rates and minimums differ, and the network fee depends on the blockchain.

Network	Rate per 1 XLM	Minimum	Network fee	Speed
Solana	0.208803	36,500 XLM	≈ $0.00059	fast
Ethereum (ERC20)	0.210285	962.1398 XLM	≈ $0.066	moderate
Polygon this page	0.210285	962.1398 XLM	≈ $0.002	fast
BNB Smart Chain (BEP20)	0.210285	962.1398 XLM	≈ $0.0026	fast
Arbitrum One	0.210285	962.1398 XLM	≈ $0.0036	fast
Optimism	0.210285	962.1398 XLM	≈ $0.0002	fast

XLM → USDC: compare all networks USDC network fees now

XLM to USDC Polygon rate chart

7 days30 days90 days1 year

high 0.210611 USDC Polygonlow 0.173355 USDC Polygon

Sep 14, 2026, 21:47Sep 21, 2026, 21:47

high 0.212375 USDC Polygonlow 0.174667 USDC Polygon

Aug 22, 2026, 03:00Sep 21, 2026, 03:00

high 0.212375 USDC Polygonlow 0.154767 USDC Polygon

Jun 23, 2026, 03:00Sep 21, 2026, 03:00

high 0.410094 USDC Polygonlow 0.143382 USDC Polygon

Sep 22, 2025, 03:00Sep 21, 2026, 03:00

24 hours: +6.26%
7 days: +5.91%
7-day high: 0.210611 USDC Polygon
7-day low: 0.173355 USDC Polygon
Range: 21.49%

CoinGecko market data as of Sep 21, 2026, 21:36. The exchange rate may differ from the market rate. How we calculate the data

XLM/USDC Polygon volatility and changes

Period	High	Low	Average	Change
24 hours	0.210611	0.1956	0.201704	+6.26%
7 days	0.210611	0.173355	0.190093	+5.91%
30 days	0.212375	0.174667	0.185593	+5.22%
90 days	0.212375	0.154767	0.180897	+4.84%

Values are in USDC Polygon per 1 unit of the currency you send, based on market data.

XLM to USDC Polygon rate over the last 7 days

Date	Daily close	Daily change
Sep 21, 2026	0.212375 USDC Polygon	+8.25%
Sep 20, 2026	0.196193 USDC Polygon	+1.58%
Sep 19, 2026	0.193143 USDC Polygon	+5.3%
Sep 18, 2026	0.183429 USDC Polygon	−0.2%
Sep 17, 2026	0.183795 USDC Polygon	+4.4%
Sep 16, 2026	0.176056 USDC Polygon	−8.14%
Sep 15, 2026	0.191653 USDC Polygon	+8.12%

XLM and USDC market data

Stellar XLM

Price: $0.208468
24h change: +6.28%
7d change: +6.33%
Market cap: $7.27 B
24h volume: $396.1 M
Market cap rank: #20
Circulating supply: 34.88 B XLM
All-time high: $0.875563

USD Coin USDC

Price: $0.999914
24h change: +0.02%
7d change: +0.01%
Market cap: $74.2 B
24h volume: $25.86 B
Market cap rank: #6
Circulating supply: 74.21 B USDC
All-time high: $1.04

CoinGecko data as of Sep 21, 2026, 21:36.

Stellar vs USD Coin

	Stellar (XLM)	USD Coin (USDC)
Ticker	XLM	USDC
Type	native blockchain coin	token
Launched	2014	2018
Created by	Jed McCaleb, Joyce Kim	Circle
Consensus	Stellar Consensus Protocol	—
Block time	~5 sec	—
Max supply	50 B XLM	no cap
Transaction privacy	public transactions	—
Circulating supply	34.88 B XLM	74.21 B USDC
Market cap	$7.27 B	$74.2 B
Market cap rank	#20	#6
Network	—	Polygon
Network fee paid in	—	POL

90-day correlation of daily XLM and USDC price changes: 0.03 — weak.

What to know about Stellar and USD Coin

Stellar (XLM)

Stellar (XLM) is a payments network founded in 2014 by Jed McCaleb and Joyce Kim and supported by the non-profit Stellar Development Foundation. XLM (lumens) is its native asset.

Sending and receiving XLM

Stellar addresses start with G. Most exchanges require a Memo when you deposit — without it the funds may not be credited. Each account must hold a minimum balance of XLM.

USD Coin (USDC)

USD Coin (USDC) is a dollar stablecoin issued by Circle since 2018. Each token is backed by reserves held in cash and short-term US Treasuries, and the reserve composition is regularly reported by the issuer.

Where to store USD Coin

Any wallet that supports the network and the official USDC contract will do; hardware wallets are the safest option for large amounts.

Polygon network

Polygon PoS is an Ethereum-compatible network with addresses in the same 0x format. Fees are paid in POL and usually cost a fraction of a cent.

How to exchange Stellar to USD Coin

Enter the XLM amount in the calculator (minimum 962.1398 XLM) and click “Go to exchange”.
Enter your USDC wallet address on the Polygon network and your contact details.
Send exactly the specified amount of XLM on the Stellar network to the details shown in the order.
Once the transfer is confirmed, USD Coin is sent to your address. You can track the order on its status page.

Exchange XLM to USDC Polygon

What to check before exchanging XLM to USDC Polygon

The recipient address must be on the Polygon network: funds sent on another network may be lost.
The amount sent must be at least 962.1398 XLM.
Copy the whole address and check the first and last characters after pasting.
Funds go through an AML check; high-risk transfers may be held until the check is complete.

XLM to USDC Polygon exchange FAQ

How much is 1 XLM in USDC Polygon today?

As of Sep 21, 2026, 21:43, the exchange rate is 1 XLM = 0.210285 USDC Polygon. It updates automatically; the calculator always shows the latest value. At market prices that is about $0.210267.

What are the minimum and maximum amounts for XLM to USDC Polygon?

The minimum is 962.1398 XLM and the maximum is 48,000,000 XLM. The minimum is roughly $200.58.

Why is there a minimum amount for XLM to USDC Polygon?

The minimum (962.1398 XLM) keeps network fees and order processing from eating a noticeable share of the exchange. Double-check the amount before sending.

Are there extra fees when exchanging XLM to USDC Polygon?

The amount you get is calculated at the exchange rate shown in the calculator. The network fee for sending XLM is paid by the sender and depends on the wallet and network load.

How long does a XLM to USDC Polygon exchange take?

The order is processed once the XLM transfer gets the required number of confirmations on the Stellar network. Timing depends on network load. A new block on Stellar arrives roughly every 5 sec.

Which network will I receive USDC Polygon on?

USDC is sent on the Polygon network. Make sure the recipient address supports this network.

Which network is cheapest to receive USDC?

The lowest network fees are usually on USDC SOL, USDC Polygon, USDC BEP20, USDC Arbitrum, USDC Optimism. Choose a network supported by the recipient’s wallet or exchange.

What happens if the rate changes during the exchange?

The final amount is set in the order when it is created. If the payment arrives after the order expires or in a different amount, it may be recalculated at the current rate, so send the exact amount without delay.

How has the XLM to USDC Polygon rate changed over the last month?

Over 30 days the rate rose by 5.22%: low 0.174667, high 0.212375, average 0.185593 USDC Polygon per 1 XLM.

Do I need to register to exchange XLM to USDC Polygon?

No, you only need to enter the receiving details and contact information in the order.

Can I exchange USDC Polygon back to XLM?

Yes, the reverse direction is available: 1 USDC Polygon = 4.7815 XLM. The link is below the calculator.