Stellar (XLM) to Tether (USDT ERC20): Rate, Chart and Comparison

Live Stellar to Tether 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, 20:48

Minimum: 962.1398 XLM ≈ $199.87
Receiving network: Ethereum (ERC20)
24h rate change: +6.03%

You send

XLM

You get 2,083.22

USDT ERC20

Go to exchange

Rate: 1 XLM = 0.208322 USDT ERC20
Minimum: 962.1398 XLM
Maximum: 48,100,000 XLM

The amount you get is estimated at the current rate.

Right now Crystal-Trade gives 0.208322 USDT ERC20 for 1 XLM, and 1 USDT ERC20 equals 4.8003 XLM. According to market data, the XLM to USDT ERC20 rate rose by 6.03% over the last 24 hours. Over the week it rose by 7.88%.

Over the last 7 days the rate moved between 0.173877 and 0.212965 USDT ERC20 — a range of 22.48%. You can exchange from 962.1398 to 48,100,000 XLM. That is roughly $199.87 or more.

USDT is sent to your address on the Ethereum (ERC20) network, so make sure you provide an address on that network. By market cap, Stellar ranks #20 ($7.25 B) and Tether ranks #3 ($183.38 B). The correlation of daily XLM and USDT price changes over the last 90 days is 0.14 (weak).

Why exchange XLM to USDT ERC20

Protection from volatilityOver the last 30 days XLM changed by +5.21%. USDT is pegged to the dollar, so after the swap your funds no longer depend on the XLM price.
Easy to switch backThe USDT ERC20 → XLM direction is also available, so you can move back to XLM if needed.

How much is 1 XLM in USDT ERC20 today

1 XLM = 0.208322 USDT ERC20

1 USDT ERC20 = 4.8003 XLM

How much USDT ERC20 you get for XLM

XLM	USDT ERC20
1,000	208.322
2,000	416.6441
10,000	2,083.22
20,000	4,166.44
100,000	20,832.2
200,000	41,664.41

How much XLM you need to get USDT ERC20

USDT ERC20	XLM
500	2,400.13
1,000	4,800.26
5,000	24,001.3
10,000	48,002.61
50,000	240,013.03
100,000	480,026.05

Which network to receive USDT on

USDT 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
TRON (TRC20)	0.206854	36,500 XLM	≈ $2.4	fast
Solana	0.206854	36,500 XLM	≈ $0.00059	fast
Polygon	0.206854	36,500 XLM	≈ $0.002	fast
Ethereum (ERC20) this page	0.208322	962.1398 XLM	≈ $0.059	moderate
BNB Smart Chain (BEP20)	0.208322	962.1398 XLM	≈ $0.0026	fast
Arbitrum One	0.208322	962.1398 XLM	≈ $0.0037	fast
Optimism	0.208322	962.1398 XLM	≈ $0.0002	fast
TON	0.208322	962.1398 XLM	low	fast

XLM → USDT: compare all networks USDT network fees now

XLM to USDT ERC20 rate chart

7 days30 days90 days1 year

high 0.212965 USDT ERC20low 0.173877 USDT ERC20

Sep 14, 2026, 20:51Sep 21, 2026, 20:51

high 0.212373 USDT ERC20low 0.174665 USDT ERC20

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

high 0.212373 USDT ERC20low 0.15482 USDT ERC20

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

high 0.409854 USDT ERC20low 0.143473 USDT ERC20

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

24 hours: +6.03%
7 days: +7.88%
7-day high: 0.212965 USDT ERC20
7-day low: 0.173877 USDT ERC20
Range: 22.48%

CoinGecko market data as of Sep 21, 2026, 20:36. The exchange rate may differ from the market rate. How we calculate the data

XLM/USDT ERC20 volatility and changes

Period	High	Low	Average	Change
24 hours	0.212965	0.195091	0.202449	+6.03%
7 days	0.212965	0.173877	0.190192	+7.88%
30 days	0.212373	0.174665	0.185605	+5.21%
90 days	0.212373	0.15482	0.180948	+4.78%

Values are in USDT ERC20 per 1 unit of the currency you send, based on market data.

XLM to USDT ERC20 rate over the last 7 days

Date	Daily close	Daily change
Sep 21, 2026	0.212373 USDT ERC20	+8.24%
Sep 20, 2026	0.196213 USDT ERC20	+1.58%
Sep 19, 2026	0.193158 USDT ERC20	+5.27%
Sep 18, 2026	0.183494 USDT ERC20	−0.2%
Sep 17, 2026	0.183855 USDT ERC20	+4.4%
Sep 16, 2026	0.176104 USDT ERC20	−8.11%
Sep 15, 2026	0.191656 USDT ERC20	+8.1%

XLM and USDT market data

Stellar XLM

Price: $0.207738
24h change: +6.05%
7d change: +8.16%
Market cap: $7.25 B
24h volume: $390.89 M
Market cap rank: #20
Circulating supply: 34.88 B XLM
All-time high: $0.875563

Tether USDT

Price: $0.999948
24h change: +0.02%
7d change: +0.03%
Market cap: $183.38 B
24h volume: $95.44 B
Market cap rank: #3
Circulating supply: 183.38 B USDT
All-time high: $1.32

CoinGecko data as of Sep 21, 2026, 20:36.

Stellar vs Tether

	Stellar (XLM)	Tether (USDT)
Ticker	XLM	USDT
Type	native blockchain coin	token
Launched	2014	2014
Created by	Jed McCaleb, Joyce Kim	Tether Limited
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	183.38 B USDT
Market cap	$7.25 B	$183.38 B
Market cap rank	#20	#3
Network	—	Ethereum (ERC20)
Network fee paid in	—	ETH

90-day correlation of daily XLM and USDT price changes: 0.14 — weak.

What to know about Stellar and Tether

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.

Tether (USDT)

Tether (USDT) is the largest stablecoin: a token designed to stay at one US dollar. It was launched in 2014 by Tether Limited, which issues USDT against reserves that consist mostly of cash equivalents and short-term US Treasury bills.

What Tether is used for

USDT is used to park funds without price volatility, to settle trades, to move dollars across borders and to pay for services. It is the most traded asset in crypto and the most common way to lock in profits after selling other coins.

Ethereum (ERC20) network

ERC20 is the token standard on Ethereum. It is supported by almost every wallet and exchange, but the fee (gas) is paid in ETH and grows when the network is busy.

How to exchange Stellar to Tether

Enter the XLM amount in the calculator (minimum 962.1398 XLM) and click “Go to exchange”.
Enter your USDT wallet address on the Ethereum (ERC20) 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, Tether is sent to your address. You can track the order on its status page.

Exchange XLM to USDT ERC20

What to check before exchanging XLM to USDT ERC20

The recipient address must be on the Ethereum (ERC20) 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 USDT ERC20 exchange FAQ

How much is 1 XLM in USDT ERC20 today?

As of Sep 21, 2026, 20:48, the exchange rate is 1 XLM = 0.208322 USDT ERC20. It updates automatically; the calculator always shows the latest value. At market prices that is about $0.208311.

What are the minimum and maximum amounts for XLM to USDT ERC20?

The minimum is 962.1398 XLM and the maximum is 48,100,000 XLM. The minimum is roughly $199.87.

Why is there a minimum amount for XLM to USDT ERC20?

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 USDT ERC20?

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 USDT ERC20 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 USDT ERC20 on?

USDT is sent on the Ethereum (ERC20) network. Make sure the recipient address supports this network.

Which network is cheapest to receive USDT?

The lowest network fees are usually on USDT SOL, USDT Polygon, USDT BEP20, USDT Arbitrum, USDT Optimism, USDT TON. 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 USDT ERC20 rate changed over the last month?

Over 30 days the rate rose by 5.21%: low 0.174665, high 0.212373, average 0.185605 USDT ERC20 per 1 XLM.

Do I need to register to exchange XLM to USDT ERC20?

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

Can I exchange USDT ERC20 back to XLM?

Yes, the reverse direction is available: 1 USDT ERC20 = 4.8295 XLM. The link is below the calculator.