Swap XMR 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 Monero 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 XMR to the one-time deposit address on the Monero network. Once the deposit confirms, the swap runs automatically and the XRP is sent to your wallet. The order page shows every stage.
Swapping Monero (XMR) 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 Monero deposit confirms on Monero. 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 XMR
≈
483.098934 XRP
At the latest hourly update, 1 XMR converts to about 483.098934 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.
Approximate exchange rates between these assets, refreshed hourly
As of Nov 4, 2026 14:54 UTC, 1 XMR is worth about $632.69 and 1 XRP about $1.10, so 1 XMR converts to roughly 483.098934 XRP. These figures move with the market, and the widget shows the live estimate before you confirm.
Here you pay in Monero (XMR) on its own blockchain and get XRP delivered on the XRP Ledger, either to a wallet you control or to a deposit address an exchange gave you. Signup and email are not part of it. People often convert XMR to XRP when they hold Monero but need funds at an exchange or payment service that settles in XRP, because XRP Ledger transfers confirm in seconds and carry very small network fees.
The two chains have little in common. Monero is a proof-of-work privacy coin whose transactions conceal the amount and both parties, while the XRP Ledger is a public ledger where validators reach agreement without mining. Moving between them is a cross-chain swap, and the payout needs a classic XRP Ledger address beginning with r. XRP is also listed here as a BEP-20 token on BNB Smart Chain, but this page pays native XRP, so a 0x address will not work.
Enter the amount and the widget returns a floating-rate quote with the exchange margin and the XRP Ledger payout fee taken out already. That number is an estimate: if prices move before your Monero deposit is confirmed, the XRP you receive can come in slightly higher or lower. Confirmations on Monero, which targets two-minute blocks, take up most of the time, while the XRP Ledger closes a new ledger every few seconds. Track progress and the transaction ID on your order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | Monero (XMR) | XRP |
| Network | Monero | XRP Ledger |
| Type | Native coin | Native coin |
| Memo / tag | Not needed | Required with your address |
| Route | Cross-chain: Monero to XRP Ledger | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.0111141 XMR | |
| Account / ID | Not needed to start a swap | |
You need one when your r address belongs to an exchange or other custodial service, because that platform uses the tag to identify your account. Copy it from the platform's deposit screen into the tag field. A self-custody XRP wallet normally has no tag, and the field can stay empty.
The XRP side is visible to anyone. Every XRP Ledger payment, its amount and the receiving r address are public and can be looked up on a block explorer. Monero keeps its own transaction details private on its chain, but that privacy does not extend to the payout.
Not on this page. Here the payout is native XRP on the XRP Ledger, so it needs an r address. XRP also appears in the coin selector as a BEP-20 token on BNB Smart Chain, and you can pick that listing if you want XRP at a 0x address.
The XRP Ledger only creates an account when it receives at least the base reserve, a small amount of XRP that stays locked in that account. If you use a brand-new address, make sure the swap pays out more than the reserve. Most XRP wallets display the current reserve figure.
Mostly the Monero deposit. Monero aims for a block roughly every two minutes, and your deposit needs confirmations before the swap continues. Liquidity and the size of the order can also play a part. After the XRP is sent, the XRP Ledger settles it within seconds.
Go to the order page first and read its status. If it says finished, follow the payout transaction link to an XRP Ledger explorer and confirm the tag matched your exchange account. If something still looks wrong, message support on Telegram at @xswap_to with the transaction ID.
