Stellar (XLM) to Tether (USDT Polygon): 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: Oct 26, 2026, 17:39

Minimum: 36,500 XLM ≈ $6,182.01
Receiving network: Polygon
24h rate change: +0.77%

You send

XLM

You get 16,914

USDT Polygon

Go to exchange

Rate: 1 XLM = 0.16914 USDT Polygon
Minimum: 36,500 XLM
Maximum: 59,000,000 XLM

The amount you get is estimated at the current rate.

Right now Crystal-Trade gives 0.16914 USDT Polygon for 1 XLM, and 1 USDT Polygon equals 5.9123 XLM. According to market data, the XLM to USDT Polygon rate rose by 0.77% over the last 24 hours. Over the week it fell by 4.18%.

Over the last 7 days the rate moved between 0.167111 and 0.186109 USDT Polygon — a range of 11.37%. You can exchange from 36,500 to 59,000,000 XLM. That is roughly $6,182.01 or more.

USDT 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 ($5.97 B) and Tether ranks #3 ($182.27 B). The correlation of daily XLM and USDT price changes over the last 90 days is 0.15 (weak).

Why exchange XLM to USDT Polygon

Protection from volatilityOver the last 30 days XLM changed by −24.16%. USDT is pegged to the dollar, so after the swap your funds no longer depend on the XLM price.
Easy to switch backThe USDT Polygon → XLM direction is also available, so you can move back to XLM if needed.

How much is 1 XLM in USDT Polygon today

1 XLM = 0.16914 USDT Polygon

1 USDT Polygon = 5.9123 XLM

How much USDT Polygon you get for XLM

XLM	USDT Polygon
50,000	8,457
100,000	16,914
200,000	33,828.01
500,000	84,570.01

How much XLM you need to get USDT Polygon

USDT Polygon	XLM
10,000	59,122.61
20,000	118,245.22
50,000	295,613.05
100,000	591,226.1

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)	0.16914	36,500 XLM	≈ $2.3	fast
Solana	0.16914	36,500 XLM	≈ $0.00051	fast
Polygon this page	0.16914	36,500 XLM	≈ $0.0016	fast
Ethereum (ERC20)	0.17034	962.1398 XLM	≈ $0.041	moderate
BNB Smart Chain (BEP20)	0.17034	962.1398 XLM	≈ $0.0024	fast
Arbitrum One	0.17034	962.1398 XLM	≈ $0.0031	fast
Optimism	0.17034	962.1398 XLM	≈ $0.00016	fast
TON	0.17034	962.1398 XLM	low	fast

XLM → USDT: compare all networks USDT network fees now

XLM to USDT Polygon rate chart

7 days30 days90 days1 year

high 0.186109 USDT Polygonlow 0.167111 USDT Polygon

Oct 19, 2026, 17:46Oct 26, 2026, 17:46

high 0.232273 USDT Polygonlow 0.16716 USDT Polygon

Sep 26, 2026, 03:00Oct 26, 2026, 03:00

high 0.232273 USDT Polygonlow 0.15482 USDT Polygon

Jul 28, 2026, 03:00Oct 26, 2026, 03:00

high 0.330174 USDT Polygonlow 0.143312 USDT Polygon

Oct 27, 2025, 03:00Oct 26, 2026, 03:00

24 hours: +0.77%
7 days: −4.18%
7-day high: 0.186109 USDT Polygon
7-day low: 0.167111 USDT Polygon
Range: 11.37%

CoinGecko market data as of Oct 26, 2026, 17:40. The exchange rate may differ from the market rate. How we calculate the data

XLM/USDT Polygon volatility and changes

Period	High	Low	Average	Change
24 hours	0.170016	0.167111	0.168726	+0.77%
7 days	0.186109	0.167111	0.17566	−4.18%
30 days	0.232273	0.16716	0.197985	−24.1%
90 days	0.232273	0.15482	0.185379	−2.8%

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

XLM to USDT Polygon rate over the last 7 days

Date	Daily close	Daily change
Oct 26, 2026	0.16716 USDT Polygon	−2.57%
Oct 25, 2026	0.171563 USDT Polygon	−1.04%
Oct 24, 2026	0.173358 USDT Polygon	−1.21%
Oct 23, 2026	0.175475 USDT Polygon	−4.59%
Oct 22, 2026	0.183919 USDT Polygon	+0.97%
Oct 21, 2026	0.182146 USDT Polygon	+2.45%
Oct 20, 2026	0.177795 USDT Polygon	−0.09%

Crystal-Trade rate XLM → USDT Polygon by day

Date	Crystal-Trade rate	Market rate
Oct 26, 2026	0.167922 USDT Polygon	0.169788
Oct 25, 2026	0.168192 USDT Polygon	0.168707
Oct 24, 2026	0.170407 USDT Polygon	0.170717
Oct 23, 2026	0.171715 USDT Polygon	0.173257
Oct 22, 2026	0.174549 USDT Polygon	0.175228
Oct 21, 2026	0.18405 USDT Polygon	0.18454
Oct 20, 2026	0.181954 USDT Polygon	0.182303
Oct 19, 2026	0.177254 USDT Polygon	0.177666
Oct 18, 2026	0.176535 USDT Polygon	0.176823
Oct 17, 2026	0.176156 USDT Polygon	0.176322
Oct 16, 2026	0.181336 USDT Polygon	0.18151
Oct 15, 2026	0.182813 USDT Polygon	0.184008
Oct 14, 2026	0.183172 USDT Polygon	0.183744
Oct 13, 2026	0.190417 USDT Polygon	0.191283

The Crystal-Trade rate is recorded every hour; the table shows the last value of each day. The market rate is the ratio of the two coins' prices on CoinGecko at the same time. How we calculate the data

XLM and USDT market data

Stellar XLM

Price: $0.16937
24h change: +0.74%
7d change: −5.3%
Market cap: $5.97 B
24h volume: $89.95 M
Market cap rank: #20
Circulating supply: 35.23 B XLM
All-time high: $0.875563

Tether USDT

Price: $0.998775
24h change: −0.03%
7d change: +0.01%
Market cap: $182.27 B
24h volume: $40.21 B
Market cap rank: #3
Circulating supply: 182.49 B USDT
All-time high: $1.32

CoinGecko data as of Oct 26, 2026, 17:40.

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	35.23 B XLM	182.49 B USDT
Market cap	$5.97 B	$182.27 B
Market cap rank	#20	#3
Network	—	Polygon
Network fee paid in	—	POL

90-day correlation of daily XLM and USDT price changes: 0.15 — 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.

Where to store Tether

USDT can be held in any wallet that supports the chosen network. Check that the wallet shows the official USDT contract, because fake tokens with the same name exist.

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 Tether

Enter the XLM amount in the calculator (minimum 36,500 XLM) and click “Go to exchange”.
Enter your USDT 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, Tether is sent to your address. You can track the order on its status page.

Exchange XLM to USDT Polygon

What to check before exchanging XLM to USDT 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 36,500 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 Polygon exchange FAQ

How much is 1 XLM in USDT Polygon today?

As of Oct 26, 2026, 17:39, the exchange rate is 1 XLM = 0.16914 USDT Polygon. It updates automatically; the calculator always shows the latest value. At market prices that is about $0.168933.

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

The minimum is 36,500 XLM and the maximum is 59,000,000 XLM. The minimum is roughly $6,182.01.

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

The minimum (36,500 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 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 USDT 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 USDT Polygon on?

USDT is sent on the Polygon 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 Polygon rate changed over the last month?

Over 30 days the rate fell by 24.1%: low 0.16716, high 0.232273, average 0.197985 USDT Polygon per 1 XLM.

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

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

Can I exchange USDT Polygon back to XLM?

Yes, the reverse direction is available: 1 USDT Polygon = 5.9064 XLM. The link is below the calculator.