Swap XRP to U 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 U 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 United Stables you will receive on the BNB Smart Chain network at the current floating rate, with the payout network fee already taken into account.
Paste your U (BNB Smart Chain) 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 U is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for United Stables (U) 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 U 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 BNB Smart Chain, so check that your United Stables address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XRP
≈
0.9886072 U
At the latest hourly update, 1 XRP converts to about 0.9886072 U. 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.
U token contract:
0xcE24439F2D9C6a2289F741120FE202248B666666
Approximate exchange rates between these assets, refreshed hourly
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | United Stables (U) |
| Network | XRP Ledger | BNB Smart Chain |
| Type | Native coin | BEP-20 token |
| Contract | - | 0xcE2443…666666 |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Network fee (checked Nov 7, 2026) | None listed | ≈ 0.0534 U |
| Route | Cross-chain: XRP Ledger to BNB Smart Chain | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.107119 XRP | |
| Account / ID | Not needed to start a swap | |
