Swap USDC to XRP in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the XRP goes straight to the wallet address you enter.
Enter the amount of USD Coin you want to swap in the widget above. It shows an estimate of the XRP you will receive on the XRP Ledger network at the current floating rate, with the payout network fee already taken into account.
Paste your XRP wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your USDC to the one-time deposit address on the Ethereum network. Once the deposit confirms, the swap runs automatically and the XRP is sent to your wallet. The order page shows every stage.
Swapping USD Coin (USDC) for XRP (XRP) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the XRP goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your USD Coin deposit confirms on Ethereum. The payout is sent on XRP Ledger, so check that your XRP address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 USDC
≈
0.009373 XRP
At the latest hourly update, 1 USDC converts to about 0.009373 XRP. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
USDC token contract:
0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
Approximate exchange rates between these assets, refreshed hourly
As of Nov 4, 2026 14:53 UTC, 1 USDC is worth about $1.00 and 1 XRP about $1.10, so 1 USDC converts to roughly 0.009373 XRP. These figures move with the market, and the widget shows the live estimate before you confirm.
What goes out is USD Coin (USDC) as an ERC-20 token on Ethereum, and what comes back is XRP on the XRP Ledger, paid to an r address you own or to an exchange account with its destination tag. You do not create an account here. A typical reason for this USDC to XRP exchange is moving funds onto the XRP Ledger for low-cost transfers to an exchange or to a friend abroad.
Pegged to the US dollar, Circle's USDC appears here in its Ethereum version, so the deposit costs ETH gas. XRP is the native asset of the XRP Ledger, which reaches consensus among validators instead of mining and closes ledgers within seconds. The listing calls it Ripple, but Ripple is the company and XRP is the coin. Crossing between these chains means your payout address must be an XRP Ledger address beginning with r.
Your quote is a floating-rate estimate with the margin and the XRP Ledger payout fee already deducted, so the number shown is close to what should land. It can move slightly if the XRP price changes before the USDC deposit confirms on Ethereum. That Ethereum step decides most of the wait, since the XRP payout settles quickly. Keep the transaction ID from the order page in case you need to contact support.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | USD Coin (USDC) | XRP |
| Network | Ethereum | XRP Ledger |
| Type | ERC-20 token | Native coin |
| Contract | 0xA0b869…06eB48 |
- |
| Memo / tag | Not needed | Required with your address |
| Route | Cross-chain: Ethereum to XRP Ledger | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 2.176926 USDC | |
| Account / ID | Not needed to start a swap | |
You need one when the r address belongs to an exchange or another shared service, because the tag tells it whose account to credit. A personal wallet that you alone control usually needs no tag. When an exchange shows a tag, a payout without it can sit uncredited until their support finds it.
Ripple is the name of the company most associated with XRP, and the listing uses it. The asset you receive is XRP, the native coin of the XRP Ledger. It is not a token on Ethereum, and the payout goes to an r address.
The selector also lists a BEP-20 version of XRP on BNB Smart Chain, which is a token, not native XRP. If you choose it, you must paste a 0x address on BNB Smart Chain instead of an r address. Pick the option that matches the wallet you use.
It does, because the XRP Ledger requires every account to hold a reserve of XRP before it is activated. A first payment smaller than that reserve cannot create the account. Exchange addresses are already active, so this only matters for a fresh self-custody wallet.
Your wallet pays the Ethereum gas for the ERC-20 deposit, in ETH. That cost is separate from the payout fee, which the widget already deducts from your XRP estimate. If you hold USDC on Base, Arbitrum One or Polygon, choosing that network can lower the sending cost.
Check the order page first. If it says finished, look up the payout transaction ID on an XRP Ledger explorer to see where it went. If it went to an exchange without the tag, contact that exchange, and for anything on the swap side message @xswap_to on Telegram with the transaction ID.
