LocalExchangeRates.com

Official Rate Sheet: Stellar Lumens (XLM) / Panamanian Balboa (PAB)

Date generated:

Mid-Market Rate: 1 XLM = 0.0960 PAB

Real-Time Interbank Wholesale Feed: October 6, 2026

Stellar Lumens to Panamanian Balboa Exchange Rate (XLM to PAB)

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 XLM in PAB?

1 XLM = 0.0960 PAB

At the current mid-market wholesale exchange rate, converting 1,000 Stellar Lumens (XLM) yields approximately 96.01 Panamanian Balboa (PAB) (inverse rate: 1 PAB = 10.4157 XLM). 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): XLM

You Receive (Estimate): PAB

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

Kurs rynkowy: 1 XLM = 0.0960 PAB

Kurs odwrotny: 1 PAB = 10.4157 XLM

Status danych: Live Data (Redis)

Looking for reverse calculation? Check PAB to XLM (Panamanian Balboa to Stellar Lumens) Live Converter →

XLM to PAB Real-Time & Historical Rate Chart

Track historical volatility and key price support levels for Stellar Lumens against Panamanian Balboa

Period High

0.0972 PAB

Period Low

0.0949 PAB

Volatility / Avg

0.0960 PAB

Mid-Market Trend

+0.25%

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

Min: 0.0949 PAB

Max: 0.0972 PAB

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

Min: 0.0926 PAB

Max: 0.0994 PAB

Standard Denomination Conversion Matrix (XLM & PAB)

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

Stellar Lumens → Panamanian Balboa (XLM / PAB)

Wholesale Benchmark

Stellar Lumens (XLM)	Panamanian Balboa (PAB)
1 XLM	0.10 PAB
5 XLM	0.48 PAB
10 XLM	0.96 PAB
25 XLM	2.40 PAB
50 XLM	4.80 PAB
100 XLM	9.60 PAB
200 XLM	19.20 PAB
250 XLM	24.00 PAB
500 XLM	48.00 PAB
1,000 XLM	96.01 PAB
2,500 XLM	240.02 PAB
5,000 XLM	480.05 PAB
10,000 XLM	960.09 PAB

Panamanian Balboa → Stellar Lumens (PAB / XLM)

Wholesale Benchmark

Panamanian Balboa (PAB)	Stellar Lumens (XLM)
1 PAB	10.42 XLM
5 PAB	52.08 XLM
10 PAB	104.16 XLM
25 PAB	260.39 XLM
50 PAB	520.78 XLM
100 PAB	1,041.57 XLM
200 PAB	2,083.13 XLM
250 PAB	2,603.91 XLM
500 PAB	5,207.83 XLM
1,000 PAB	10,415.66 XLM
2,500 PAB	26,039.14 XLM
5,000 PAB	52,078.29 XLM
10,000 PAB	104,156.57 XLM

Provider / Channel	XLM/PAB Effective Exchange Rate	Estimated Fee	Estimated Received (PAB)	Effective Difference
⚡ LocalExchangeRates Interbank Wholesale (Pure Benchmark)	0.0960 PAB	0.00%	480.05 PAB	Benchmark (0%)
🏦 Major Commercial High-Street Banks Standard bank wire / counter transfer	0.0926 PAB	~3.50%	463.24 PAB	-16.80 PAB
✈️ Airport Currency Exchange Kiosks Airport terminal cash counters	0.0864 PAB	~10.00%	432.04 PAB	-48.00 PAB

1 XLM to PAB: Stellar Lumens to Panamanian Balboa Exchange Guide

Searches for 1 XLM to PAB or convert XLM to PAB describe the amount of Panamanian Balboa received per 1 Stellar Lumens. At today's wholesale baseline of 1 XLM = 0.0960 PAB (inverse: 1 PAB = 10.4157 XLM), understanding retail bank margins helps protect your funds:

🌏 International Transfers & Travel (Stellar Network ↔ Panama)

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 Stellar Development Foundation and National Bank of Panama (BNP) shape the medium-to-long term valuation of XLM/PAB.

XLM and PAB Currency Profiles

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

How the XLM to PAB Exchange Rate Works

Foreign exchange transactions between Stellar Network (XLM) and Panama (PAB) 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 XLM and PAB:

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 Stellar Development Foundation and National Bank of Panama (BNP) serve as the primary long-term drivers for this currency pair.
Customs Cash Declaration Thresholds: Travelers carrying banknotes or negotiable instruments between Stellar Network and Panama 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 (PAB) 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: Stellar Lumens to Panamanian Balboa Conversion

Common questions regarding Stellar Lumens to Panamanian Balboa conversion, bank spreads, and transfer costs.

How much is 1,000 XLM in PAB today?

At the current mid-market exchange rate (1 XLM = 0.0960 PAB), 1,000 Stellar Lumens equals approximately 96.01 Panamanian Balboa. 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 Stellar Lumens?

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 XLM?

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 (Stellar Development Foundation) 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.