Swap XRP to BTC 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 BTC 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 Bitcoin you will receive on the Bitcoin network at the current floating rate, with the payout network fee already taken into account.
Paste your BTC 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 BTC is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for Bitcoin (BTC) 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 BTC 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 Bitcoin, so check that your Bitcoin address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XRP
≈
0.0000136 BTC
At the latest hourly update, 1 XRP converts to about 0.0000136 BTC. 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 XRP is worth about $1.10 and 1 BTC about $77,978.07, so 1 XRP converts to roughly 0.000014 BTC. These figures move with the market, and the widget shows the live estimate before you confirm.
Put XRP in from the XRP Ledger and take Bitcoin (BTC) out on the Bitcoin network, sent to whichever BTC address you paste in, with no account to open. People often swap XRP to BTC to move value from a fast payment asset into Bitcoin for longer-term storage in a hardware wallet or another self-custody wallet. Others convert because a service they use only accepts BTC deposits, and the XRP is what they already hold.
Bitcoin is the original proof-of-work cryptocurrency, with a supply cap of 21 million coins and a block target of about 10 minutes. The XRP Ledger works differently: validators agree on new ledger versions every few seconds, and accounts start with r. As these chains are unrelated, the trade is a cross-chain swap. Your BTC address can start with bc1 (SegWit), 3 or 1. Bitcoin needs no memo, though your XRP deposit may include a destination tag.
Your BTC estimate in the widget uses a floating rate and is net of the exchange margin and the Bitcoin network fee for the payout. That fee rises and falls with mempool demand, which also moves the minimum amount. If the market shifts before your XRP confirms, the received BTC can differ slightly. Expect the Bitcoin payout to be the slow leg. Status, transaction ID and a block explorer link for the BTC payout all appear on the order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | Bitcoin (BTC) |
| Network | XRP Ledger | Bitcoin |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: XRP Ledger to Bitcoin | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 3.522764 XRP | |
| Account / ID | Not needed to start a swap | |
The standard formats are native SegWit addresses starting with bc1, nested SegWit addresses starting with 3 and legacy addresses starting with 1. Use the one your wallet shows on its receive screen. Do not paste a Lightning invoice or a Bitcoin Cash address.
The two networks run at very different speeds. Your XRP deposit is final within seconds, but the BTC payout needs a Bitcoin block, and blocks arrive about every 10 minutes on average with natural variation. The order page shows when the BTC has been sent, and you can follow it on a block explorer from there.
The fee to send your BTC is deducted from the payout and is already included in the widget's estimate. Bitcoin fees depend on how busy the mempool is, so the same XRP amount can produce a slightly smaller BTC figure on a congested day. The minimum amount moves with those fees too.
It goes in the tag or memo field of the exchange's withdrawal form, character for character, whenever the order page shows a tag for your deposit. Without it the XRP can reach the deposit address but not your order.
xswap.to itself never asks for ID, an account or an email. Rarely, a partner's automated anti-money-laundering screening flags a transaction, pauses it and requests verification. Support on Telegram at @xswap_to can help in that case if you share the transaction ID.
You keep your keys: xswap.to never asks for a seed phrase and holds no account balances, and each order gets its own deposit address. The part you control is the input. A wrong BTC address or a missing XRP tag cannot be undone, so check both before you send.
