Swap XRP to USDT 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 USDT 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 Tether (ERC20) you will receive on the Ethereum network at the current floating rate, with the payout network fee already taken into account.
Paste your USDT 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 USDT is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for Tether (ERC20) (USDT) 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 USDT 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 Tether (ERC20) address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 XRP
≈
0.914148 USDT
At the latest hourly update, 1 XRP converts to about 0.914148 USDT. 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.
USDT token contract:
0xdAC17F958D2ee523a2206206994597C13D831ec7
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 USDT about $1.00, so 1 XRP converts to roughly 0.914148 USDT. These figures move with the market, and the widget shows the live estimate before you confirm.
On this page XRP leaves your XRP Ledger wallet and Tether (USDT) arrives as an ERC-20 token on Ethereum at an address you control, with no signup or email. Traders often swap XRP to USDT to park gains in dollar terms after a price move, or to hold a dollar stablecoin that nearly every crypto exchange accepts as a deposit.
Tether issues USDT and states that each token is backed by its reserves. On Ethereum the token contract is 0xdAC17F958D2ee523a2206206994597C13D831ec7. The default payout is that ERC-20 version, sent to a 0x address with no memo. The coin selector also lists USDT on TRON (TRC-20, the most used), BNB Smart Chain, Solana, Polygon, Arbitrum One, TON and others. Each option is a cross-chain swap from the XRP Ledger, and the address must match the network you pick.
Once you type an amount, the widget estimates your USDT at a floating rate and has already deducted the gas Ethereum charges for the payout transfer. Market movement before your XRP deposit confirms can change the final USDT slightly. Expect the exchange step and Ethereum confirmation to set the pace, since XRP Ledger payments validate within seconds. Keep the order page open for live status, and use the transaction ID to check the payout on Etherscan.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | Tether (ERC20) (USDT) |
| Network | XRP Ledger | Ethereum |
| Type | Native coin | ERC-20 token |
| Contract | - | 0xdAC17F…831ec7 |
| 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 | 0.649815 XRP | |
| Account / ID | Not needed to start a swap | |
Yes, if you switch networks first: pick Tether (TRC20) in the coin selector, then give a TRON address that starts with T. TRC-20 transfers usually cost less than ERC-20 ones, but you will need TRX later to move the tokens.
Enter an Ethereum address that begins with 0x and has 40 hex characters after it, from a wallet you control. Exchange deposit addresses work if that exchange accepts ERC-20 USDT, but check that the network matches. A TRON or Solana address will not work for this default payout.
Besides the default ERC-20 version, the coin selector lists USDT on TRON, BNB Smart Chain, Solana, Polygon, Avalanche C-Chain, Arbitrum One, TON, Celo and Aptos. Each one needs an address on its own network. Choose the one your receiving wallet supports.
It will be close, but not always identical. The estimate is calculated at a floating rate, so a market move between your XRP deposit and its confirmation can shift the payout slightly. The ERC-20 network fee for the payout is already taken out of the number you see.
Add one only when the order page lists a destination tag with the deposit address. Most wallets and exchanges have a separate field for it, often labeled tag or memo. Leaving out a required tag can delay matching your deposit, and support will need your transaction ID to sort it out.
No ID check or account is part of this exchange on xswap.to. Rarely, a partner's automated anti-money-laundering screening flags a transaction and asks for verification before releasing it. That is the exception, and support on Telegram at @xswap_to can tell you what is needed.
