Exchange USDC to XLM
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your USDC → XLM swap through the cheapest one.
24/7 human support
Real humans on Telegram within 3 minutes, any timezone. Every order has a copyable ID, we see the same state you do.
Non-custodial security
Your USDC moves directly to the provider's deposit address, XLM arrives at your wallet. SwapHub never holds your funds.
Today's USDC → XLM rate.
1 USDC is currently worth 4.9230 XLM. SwapHub compares rates across multiple liquidity providers and routes your order through the one offering the highest net XLM received.
How much will I get.
Live rate applied to common amounts — updated every 60 seconds.
| 1 USDC | 4.9230 XLM |
| 10 USDC | 49.2300 XLM |
| 50 USDC | 246.1500 XLM |
| 100 USDC | 492.3000 XLM |
| 500 USDC | 2461.50 XLM |
| 1000 USDC | 4923.00 XLM |
| 5000 USDC | 24615.00 XLM |
| 10000 USDC | 49230.00 XLM |
| 50000 USDC | 246150.00 XLM |
| 100000 USDC | 492300.00 XLM |
| 1 XLM | 0.203128 USDC |
| 5 XLM | 1.0156 USDC |
| 10 XLM | 2.0313 USDC |
| 50 XLM | 10.1564 USDC |
| 100 XLM | 20.3128 USDC |
| 500 XLM | 101.5641 USDC |
| 1000 XLM | 203.1282 USDC |
| 5000 XLM | 1015.64 USDC |
| 10000 XLM | 2031.28 USDC |
| 50000 XLM | 10156.41 USDC |
How to swap USDC to XLM.
Enter USDC amount
Type how much USDC you want to swap. We'll show the exact XLM you'll receive at the live rate.
Paste XLM address
Your Stellar receiving address. We validate the format live — valid addresses show a teal check.
Send your USDC
Transfer USDC to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive XLM
XLM arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap USDC to XLM.
Regulated stablecoin. USDC is a fully-backed stablecoin issued by Circle Internet Financial, with monthly attestations by Deloitte. It’s preferred by institutions and US-regulated platforms due to its regulatory clarity and MiCA compliance in the EU. The native CCTP (Cross-Chain Transfer Protocol) allows for seamless and cheap cross-chain movements.
Financial inclusion. Stellar, with its SCP and sub-cent fees, is designed to facilitate financial inclusion. Its MoneyGram partnership makes it ideal for cross-border remittances and humanitarian aid distribution. This makes it a great choice for those looking to transfer funds internationally without high costs.
Institutional use. USDC is often used in DeFi protocols, institutional transfers, and the Coinbase ecosystem. By swapping to XLM, users can benefit from Stellar’s low-cost, fast transactions and its built-in DEX, making it easier to engage in decentralized finance.
Cross-chain efficiency. Both USDC and XLM operate natively on their respective networks. Swapping from USDC to XLM allows for easy and cost-effective cross-chain transfers, leveraging Stellar’s native protocol for fast and efficient movements.
About the assets.
USDC (USD Coin) is a fully-backed stablecoin issued by Circle Internet Financial, with monthly attestations by Deloitte. It’s preferred by institutions and US-regulated platforms due to its regulatory clarity and MiCA compliance in the EU.
XLM (Stellar) is a decentralized cryptocurrency built on the Stellar Consensus Protocol (SCP). It offers virtually free transactions with sub-cent fees, making it ideal for micro-payments and cross-border remittances. Stellar’s MoneyGram partnership bridges crypto and fiat currencies.
Questions people ask.
01 What's the current USDC to XLM exchange rate?
The current rate for 1 USDC to XLM is approximately 4.9230. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your USDC arrives at the deposit address.
02 How long does a USDC to XLM swap take?
The average end-to-end time for a swap is around 5 minutes. The main variable is the confirmation time on the USDC network, which typically ranges from a few seconds to a few minutes, depending on congestion. You can track progress in real time on the swap page.
03 Which USDC networks are supported?
SwapHub supports USDC on Ethereum, Solana, Arbitrum, Base, Polygon, Avalanche, and Stellar. These networks provide the most liquidity and ensure the best swap rates. The cheapest network is highlighted automatically.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $10–$20 equivalent. There's no hard maximum — larger orders may be split across providers automatically for the best rate.
05 Float rate vs Fixed rate — which should I pick?
Float gives you the best available rate at the moment your deposit arrives (usually a slightly better number, subject to movement). Fixed locks the rate when you create the order, costing about 0.4% extra — worth it for large amounts or when the market is moving fast.
06 Is there a fee on top of the exchange rate?
SwapHub charges no extra fee on top of the displayed rate — our margin is already included in what you see. You'll also pay the network fee for XLM and the typical USDC network fee, which ranges from $0.00001 to $0.01.
07 What happens if I send the wrong amount?
If you send less than the minimum, the order pauses and you can add a top-up. If you send more than the estimate, you'll automatically receive the extra XLM at the locked rate. Sending a different coin to the USDC address is recoverable but requires contacting support.
08 Can I swap USDC to XLM inside Telegram?
Yes. @swapHUB_com_bot opens a Telegram Mini App with the same flow, same rates, same providers. Convenient for mobile users who already live in Telegram.
09 Is SwapHub regulated? Where is it based?
SwapHub operates as a non-custodial interface that routes orders across multiple licensed exchange providers. We don't custody funds, so the regulatory model is closer to an aggregator than an exchange. For jurisdiction-specific questions, see the Terms.
10 What are the common use cases for swapping USDC to XLM?
Swapping USDC to XLM is ideal for users looking to take advantage of Stellar’s low-cost, fast transactions and its built-in DEX. This is particularly useful for those engaging in cross-border remittances, humanitarian aid distribution, and decentralized finance activities.