Swap XRP to ADA 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 ADA goes straight to the wallet address you enter.
Enter the amount of XRP you want to swap in the widget above. It shows an estimate of the Cardano you will receive on the Cardano network at the current floating rate, with the payout network fee already taken into account.
Paste your ADA 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 XRP to the one-time deposit address on the XRP Ledger network. Once the deposit confirms, the swap runs automatically and the ADA is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for Cardano (ADA) 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 ADA goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your XRP deposit confirms on XRP Ledger. The payout is sent on Cardano, so check that your Cardano address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XRP
≈
5.930443 ADA
At the latest hourly update, 1 XRP converts to about 5.930443 ADA. 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
On this page your XRP leaves the XRP Ledger and comes back as Cardano (ADA), the native coin of the Cardano blockchain, at a Cardano address you supply. Nobody asks you to create an account or give an email. One practical reason to swap XRP to ADA is staking: Cardano lets you delegate ADA to a stake pool from your own wallet without locking the coins, so some holders move XRP into ADA to earn delegation rewards while keeping full control.
Every XRP Ledger account must keep a small reserve that cannot be spent, and validators agree on each new ledger version without mining. Cardano is a proof-of-stake chain secured by the Ouroboros protocol and uses an extended UTXO model. The networks are separate, so this is a cross-chain swap. The ADA payout goes to a Shelley-era address starting with addr1, with no memo on the Cardano side. ADA also exists as a BEP-20 token, which this page does not pay.
The quote in the widget uses a floating rate. It already subtracts the exchange margin and the Cardano fee for sending your ADA, and the final number can drift a little if the market moves before your XRP deposit is confirmed. XRP Ledger deposits usually confirm within seconds, so much of the timing depends on the Cardano payout, where a block is produced roughly every 20 seconds on average. Your order page shows the status from waiting for deposit to finished.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | Cardano (ADA) |
| Network | XRP Ledger | Cardano |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: XRP Ledger to Cardano | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.600146 XRP | |
| Account / ID | Not needed to start a swap | |
Use a Shelley-era address that begins with addr1, which Cardano wallets show on their receive screen. Do not enter a 0x address: that format belongs to BNB Smart Chain, and this swap pays native ADA on the Cardano blockchain.
Only when the order page displays one. If a destination tag appears next to the XRP deposit address, add it to your transaction exactly as written, because the tag tells the system which order your XRP belongs to. Leaving out a displayed tag can delay crediting, and XRP Ledger transfers cannot be reversed.
A base reserve stays locked in every XRP Ledger account, and that amount cannot be transferred while the account exists. Most wallets cap the maximum send at the balance minus the reserve and the fee. Swap the spendable part and the reserve stays behind.
You can, from your own Cardano wallet. Delegating ADA to a stake pool keeps the coins in your wallet and does not lock them. xswap.to does not offer staking itself; it only sends the ADA to the address you enter.
The widget applies the current floating XRP to ADA exchange rate, then deducts the exchange margin and the Cardano network fee for the payout. You see that net estimate before sending. A market move during your XRP deposit's confirmation can make the final ADA amount slightly different.
There is, and the widget displays it when you enter an amount. It is not a fixed number, because it moves with network fees and available liquidity. If your amount is below the current minimum, the widget tells you before you get a deposit address.
