Swap XRP to USDC 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 USDC 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 USD Coin you will receive on the Ethereum network at the current floating rate, with the payout network fee already taken into account.
Paste your USDC (Ethereum) 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 USDC is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for USD Coin (USDC) 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 USDC 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 Ethereum, so check that your USD Coin address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XRP
≈
0.898945 USDC
At the latest hourly update, 1 XRP converts to about 0.898945 USDC. 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.
USDC token contract:
0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
Approximate exchange rates between these assets, refreshed hourly
As of Nov 4, 2026 14:53 UTC, 1 XRP is worth about $1.10 and 1 USDC about $1.00, so 1 XRP converts to roughly 0.898945 USDC. These figures move with the market, and the widget shows the live estimate before you confirm.
With this pair you send XRP over the XRP Ledger and receive USD Coin (USDC) as an ERC-20 token on Ethereum, paid to your own 0x address. No account or signup sits in between. People swap XRP to USDC to step out of price swings into a dollar-pegged stablecoin while keeping funds in a self-custody wallet, ready for Ethereum apps or later transfers.
USDC is issued by Circle, which backs each token with cash and short-term US Treasury holdings and redeems it for dollars. The Ethereum version uses contract 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48. XRP is a native coin on a separate ledger, so the swap is cross-chain. Your payout needs an Ethereum address starting with 0x, and no memo. The selector also offers USDC on Solana, Base, Arbitrum One, Polygon and other networks.
Enter an XRP amount and the widget estimates your USDC at a floating rate, with the Ethereum gas for the payout transfer already deducted. Gas can be a noticeable part of a small payout, which is one reason the minimum varies. The figure can shift slightly if XRP moves before your deposit confirms. Ethereum produces a block every 12 seconds, so timing depends mostly on XRP validation and exchange processing. The order page shows status and the transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | USD Coin (USDC) |
| Network | XRP Ledger | Ethereum |
| Type | Native coin | ERC-20 token |
| Contract | - | 0xA0b869…06eB48 |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: XRP Ledger to Ethereum | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.675636 XRP | |
| Account / ID | Not needed to start a swap | |
By default the USDC is sent as an ERC-20 token on Ethereum to a 0x address. You can pick another USDC network in the coin selector, such as Solana, Base, Arbitrum One or Polygon, and then enter an address for that network. Networks with lower fees leave more of a small payout intact.
You do not need ETH to receive the payout, because the Ethereum network fee for sending it is already deducted from your USDC. You will need ETH later to move that USDC, since every ERC-20 transfer pays gas in ETH. Plan for that if your wallet is new.
Circle issues USDC and holds reserves in cash and short-term US government securities. Approved customers can redeem through Circle for dollars, which is what keeps the stablecoin peg close to one dollar. The peg can wobble briefly in stressed markets, so treat it as a target rather than a promise.
USDC on Solana is listed as a separate option in the coin selector. Choose it before you create the order, then enter a Solana address. The payout then arrives as an SPL token, and the Ethereum address format no longer applies.
The minimum moves with network fees and liquidity. When Ethereum gas is high, the payout fee takes a bigger share of a small swap, so the minimum rises. The widget shows the current figure once you enter the pair.
The deposit address is a one-time address created for your order, and xswap.to never asks for keys or seed phrases. What you must check yourself is the network, the destination tag if shown, and your USDC address, since blockchain transfers cannot be reversed. For problems, contact support with the transaction ID.
