LocalExchangeRates.com

Official Rate Sheet: United States Dollar (USD) / Stellar Lumens (XLM)

Date generated:

Mid-Market Rate: 1 USD = 10.4079 XLM

Real-Time Interbank Wholesale Feed: October 6, 2026

United States Dollar to Stellar Lumens Exchange Rate (USD to XLM)

Real-time mid-market wholesale rate with zero retail markup. Check benchmark pricing before bank conversion or international wire transfer.

Bottom Line Up Front (BLUF): How much is 1,000 USD in XLM?

1 USD = 10.4079 XLM

At the current mid-market wholesale exchange rate, converting 1,000 United States Dollar (USD) yields approximately 10,407.87 Stellar Lumens (XLM) (inverse rate: 1 XLM = 0.0961 USD). This rate represents the pure interbank benchmark. Retail dealers and commercial banks typically apply a commercial spread between 1.5% and 3.5%. View live calculations, historical charts, and provider spreads below.

You Pay (Amount): USD

You Receive (Estimate): XLM

Wycena na podstawie średniego kursu międzybankowego (0,00% marży)

Kurs rynkowy: 1 USD = 10.4079 XLM

Kurs odwrotny: 1 XLM = 0.0961 USD

Status danych: Live Data (Redis)

Looking for reverse calculation? Check XLM to USD (Stellar Lumens to United States Dollar) Live Converter →

USD to XLM Real-Time & Historical Rate Chart

Track historical volatility and key price support levels for United States Dollar against Stellar Lumens

Period High

10.5328 XLM

Period Low

10.2830 XLM

Volatility / Avg

10.4079 XLM

Mid-Market Trend

+0.25%

30-Day Range (1M) Position: 50% range

Min: 10.2830 XLM

Max: 10.5328 XLM

52-Week Range (1Y) Current Position: 65% Range

Min: 10.0436 XLM

Max: 10.7721 XLM

Standard Denomination Conversion Matrix (USD & XLM)

Wholesale interbank rate matrix with zero retail markup or hidden fees.

United States Dollar → Stellar Lumens (USD / XLM)

Wholesale Benchmark

United States Dollar (USD)	Stellar Lumens (XLM)
1 USD	10.41 XLM
5 USD	52.04 XLM
10 USD	104.08 XLM
25 USD	260.20 XLM
50 USD	520.39 XLM
100 USD	1,040.79 XLM
200 USD	2,081.57 XLM
250 USD	2,601.97 XLM
500 USD	5,203.93 XLM
1,000 USD	10,407.87 XLM
2,500 USD	26,019.67 XLM
5,000 USD	52,039.34 XLM
10,000 USD	104,078.67 XLM

Stellar Lumens → United States Dollar (XLM / USD)

Wholesale Benchmark

Stellar Lumens (XLM)	United States Dollar (USD)
1 XLM	0.10 USD
5 XLM	0.48 USD
10 XLM	0.96 USD
25 XLM	2.40 USD
50 XLM	4.80 USD
100 XLM	9.61 USD
200 XLM	19.22 USD
250 XLM	24.02 USD
500 XLM	48.04 USD
1,000 XLM	96.08 USD
2,500 XLM	240.20 USD
5,000 XLM	480.41 USD
10,000 XLM	960.81 USD

Provider / Channel	USD/XLM Effective Exchange Rate	Estimated Fee	Estimated Received (XLM)	Effective Difference
⚡ LocalExchangeRates Interbank Wholesale (Pure Benchmark)	10.4079 XLM	0.00%	52,039.34 XLM	Benchmark (0%)
🏦 Major Commercial High-Street Banks Standard bank wire / counter transfer	10.0436 XLM	~3.50%	50,217.96 XLM	-1,821.38 XLM
✈️ Airport Currency Exchange Kiosks Airport terminal cash counters	9.3671 XLM	~10.00%	46,835.40 XLM	-5,203.93 XLM

1 USD to XLM: United States Dollar to Stellar Lumens Exchange Guide

Searches for 1 USD to XLM or convert USD to XLM describe the amount of Stellar Lumens received per 1 United States Dollar. At today's wholesale baseline of 1 USD = 10.4079 XLM (inverse: 1 XLM = 0.0961 USD), understanding retail bank margins helps protect your funds:

🌏 International Transfers & Travel (United States ↔ Stellar Network)

Whether remitting money internationally or budgeting for travel, benchmark retail bank quotes against the wholesale mid-market rate to avoid excessive markups.

🏦 Commercial Bank Spreads

Major commercial banks typically add markups between 1.5% and 3.5% on foreign currencies, whereas digital multi-currency accounts operate with tighter margins.

📈 Monetary Policy Drivers

Interest rate decisions and monetary policies set by Federal Reserve System (Fed) and Stellar Development Foundation shape the medium-to-long term valuation of USD/XLM.

USD and XLM Currency Profiles

Official monetary framework, central bank governance, and banknote specifications for United States and Stellar Network.

How the USD to XLM Exchange Rate Works

Foreign exchange transactions between United States (USD) and Stellar Network (XLM) trade continuously on global wholesale interbank currency markets. The mid-market rate represents the exact mathematical midpoint between institutional buy (bid) and sell (ask) quotes without retail dealer markups.

Key considerations when converting or transferring between USD and XLM:

Banking Channel Selection: Digital banking transfers and specialized multi-currency accounts generally offer exchange margins of 0.2% to 0.8%, whereas airport physical cash booths frequently charge 8% to 12% over the interbank baseline.
Central Bank Oversight & Policy: Monetary policy decisions, policy interest rate differentials, and currency reserves managed by Federal Reserve System (Fed) and Stellar Development Foundation serve as the primary long-term drivers for this currency pair.
Customs Cash Declaration Thresholds: Travelers carrying banknotes or negotiable instruments between United States and Stellar Network exceeding equivalent to 10,000 USD or EUR are legally required to file written declarations with border authorities.
Avoid Dynamic Currency Conversion (DCC): When using payment cards abroad or withdrawing cash from ATMs, always elect to be billed in the local currency (XLM) rather than your home billing currency to bypass costly DCC conversion markups.

LocalExchangeRates aggregates real-time wholesale interbank benchmarks to provide users with transparent, independent currency valuation.

Frequently Asked Questions: United States Dollar to Stellar Lumens Conversion

Common questions regarding United States Dollar to Stellar Lumens conversion, bank spreads, and transfer costs.

How much is 1,000 USD in XLM today?

At the current mid-market exchange rate (1 USD = 10.4079 XLM), 1,000 United States Dollar equals approximately 10,407.87 Stellar Lumens. Retail exchange bureaus and commercial banks typically apply a 1.5% to 3.5% transaction spread.

Where can I get the best exchange rate for United States Dollar?

To secure the best rates, avoid airport currency kiosks which routinely apply markups exceeding 8% to 12%. Converting currency at major commercial banks or using a low-fee multi-currency card typically delivers the closest rate to the mid-market benchmark.

Are there cash declaration limits when traveling with USD?

Most international customs jurisdictions mandate a formal declaration when carrying physical cash or negotiable instruments exceeding the equivalent of 10,000 USD or EUR. Check with local customs authority (Federal Reserve System (Fed)) prior to departure.

Does the exchange rate fluctuate during weekends?

Global interbank foreign exchange markets close on Friday evening (5:00 PM EST) and reopen on Sunday evening. Over the weekend, rates remain static at the Friday close, though retail providers may widen spreads to offset volatility risks.

How is the mid-market exchange rate calculated?

The mid-market exchange rate is the exact midpoint between global wholesale institutional buy (bid) and sell (ask) quotes. It serves as the global benchmark without any added retail broker or banking markup.