Swap USDT 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 Tether (Binance Smart Chain) 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 USDT to the one-time deposit address on the BNB Smart Chain network. Once the deposit confirms, the swap runs automatically and the XRP is sent to your wallet. The order page shows every stage.
Swapping Tether (Binance Smart Chain) (USDT) 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 Tether (Binance Smart Chain) deposit confirms on BNB Smart Chain. 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 USDT
≈
0.845368 XRP
At the latest hourly update, 1 USDT converts to about 0.845368 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.
USDT token contract:
0x55d398326f99059fF775485246999027B3197955
Approximate exchange rates between these assets, refreshed hourly
As of Nov 10, 2026 19:08 UTC, 1 USDT is worth about $1.00 and 1 XRP about $0.8798, so 1 USDT converts to roughly 0.845368 XRP. These figures move with the market, and the widget shows the live estimate before you confirm.
You deposit ERC-20 Tether (USDT) from Ethereum and receive XRP on the XRP Ledger, sent to an r address you control or to an exchange account with its destination tag. No account or email is needed. A typical case for this USDT to XRP exchange is moving value into XRP for fast settlement on the XRP Ledger, or funding an XRP wallet you use for transfers, while your dollars currently sit on Ethereum.
USDT is Tether's US dollar stablecoin, and this pair accepts its Ethereum contract, 0xdAC17F958D2ee523a2206206994597C13D831ec7, so moving it costs ETH in gas. XRP is the native asset of the XRP Ledger. The exchange lists it as Ripple, but Ripple is the company, not the coin. The ledger reaches agreement through a consensus protocol, not mining. This cross-chain swap pays out to an address starting with r, and exchange addresses usually need a numeric destination tag.
A floating-rate estimate appears in the widget before you send, and it already deducts the XRP Ledger fee for the payout. The final XRP can differ slightly if the market moves before your Ethereum deposit confirms. XRP Ledger ledgers close every few seconds, so the main waiting time is your ERC-20 transfer confirming on Ethereum, which depends on gas demand. You can follow each step and copy the transaction ID from your order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Tether (Binance Smart Chain) (USDT) | XRP |
| Network | BNB Smart Chain | XRP Ledger |
| Type | BEP-20 token | Native coin |
| Contract | 0x55d398…197955 |
- |
| Memo / tag | Not needed | Required with your address |
| Network fee (checked Nov 7, 2026) | ≈ 0.05879 USDT | ≈ 0.02 XRP |
| Route | Cross-chain: BNB Smart Chain to XRP Ledger | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.173636 USDT | |
| Account / ID | Not needed to start a swap | |
You need one when the r address belongs to an exchange or another shared service, since the tag tells them which customer to credit. A personal XRP wallet does not need a tag. Enter it in the tag field next to your address when the widget asks.
No, Ripple is a company and XRP is the native asset of the XRP Ledger. The exchange lists XRP under the name Ripple, which causes the mix-up. The coin you receive on this page is XRP on the XRP Ledger.
An XRP Ledger account only becomes active once it holds the base reserve, a minimum balance set by the network. A payment below that amount cannot create the account, so the ledger rejects it. Search your r address on an XRP Ledger block explorer, and if nothing arrived, ask support on Telegram (@xswap_to) to check it using your transaction ID.
You can choose Tether on TRON (TRC-20) in the coin selector, which many people do to avoid Ethereum gas. BNB Smart Chain, Solana, Polygon and several other networks are listed too. The deposit address accepts only the version shown on the order page.
The quote is a floating rate, so it follows the market until your deposit confirms on Ethereum. A drop or rise in that window adjusts the final XRP slightly. The payout fee on the XRP Ledger is already deducted from the estimate.
The address on your order page was created for this order only, and xswap.to never asks for your private keys or seed phrase. Before sending, check that the order page shows ERC-20 USDT on Ethereum and that your r address and tag are correct. Mistakes there cannot be reversed.
