Exchange XLM to USDC
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XLM → USDC 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 XLM moves directly to the provider's deposit address, USDC arrives at your wallet. SwapHub never holds your funds.
How to swap XLM to USDC.
Enter XLM amount
Type how much XLM you want to swap. We'll show the exact USDC you'll receive at the live rate.
Paste USDC address
Your USD Coin receiving address. We validate the format live — valid addresses show a teal check.
Send your XLM
Transfer XLM to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive USDC
USDC arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XLM to USDC.
Financial inclusion. XLM is designed for micro-transactions and financial inclusion, making it ideal for cross-border remittances and humanitarian aid. SwapHub allows you to easily convert XLM to USDC for seamless international transfers and support global communities.
Decentralized finance. Stellar's built-in DEX and Soroban smart contracts enable decentralized financial applications. By swapping XLM to USDC, users gain access to a wide range of DeFi services without leaving the Stellar ecosystem.
Regulatory compliance. USDC, issued by Circle, is a highly regulated stablecoin with MiCA-compliance in the EU. Swapping XLM to USDC ensures compliance with financial regulations, making it a safer and more reliable option for institutional and retail investors.
Cross-chain transfers. USDC is natively available on multiple networks including Ethereum, Solana, and Stellar. This makes it easy to move funds between different blockchain ecosystems, providing flexibility and convenience.
About the assets.
Stellar is a decentralized open-source blockchain designed for fast and low-cost transactions. Founded by Jed McCaleb, it features the Stellar Consensus Protocol (SCP) and built-in DEX capabilities.
USD Coin (USDC) is a highly regulated stablecoin with a market cap of over $35 billion. Issued by Circle and fully backed by cash and short-term US Treasuries, it is preferred by institutions and US-based platforms due to its regulatory compliance and native support on multiple blockchain networks.
Questions people ask.
01 What's the current XLM to USDC exchange rate?
Right now 1 XLM equals about USDC. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your XLM arrives at the deposit address.
02 How long does an XLM to USDC swap take?
Average end-to-end time is about 5 minutes. The main variable is XLM network confirmation speed — typically 3–5 seconds. You can track progress in real time on the swap page.
03 Which XLM networks are supported?
SwapHub supports XLM on the Stellar mainnet. This network offers virtually free transactions with fees ranging from approximately $0.00001. For cross-chain transfers, USDC is natively available on multiple networks including Ethereum, Solana, and Stellar.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $0.10–$1.00 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 USDC and any applicable fee on the XLM network.
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 USDC at the locked rate. Sending a different coin to the XLM address is recoverable but requires contacting support.
08 Can I swap XLM to USDC 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 Which Stellar network supports XLM to USDC swaps?
XLM to USDC swaps on SwapHub use the Stellar mainnet.