Swap XRP to XMR 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 XMR 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 Monero you will receive on the Monero network at the current floating rate, with the payout network fee already taken into account.
Paste your XMR 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 XMR is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for Monero (XMR) 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 XMR 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 Monero, so check that your Monero address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
11 XRP
≈
0.0134268 XMR
At the latest hourly update, 11 XRP converts to about 0.0134268 XMR. 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 16:18 UTC, 1 XRP is worth about $1.11 and 1 XMR about $630.41, so 1 XRP converts to roughly 0.001221 XMR. These figures move with the market, and the widget shows the live estimate before you confirm.
In this swap you send XRP from the XRP Ledger and receive Monero (XMR) at your own Monero wallet address, without creating an account. A typical reason to swap XRP to XMR is privacy: XRP payments are public on the ledger, while Monero hides amounts and addresses by default, so people move part of their holdings into XMR for spending they would rather not publish.
Monero is a proof-of-work coin that uses ring signatures, stealth addresses and RingCT to hide senders, receivers and amounts. The XRP Ledger is the opposite: every payment and balance is visible to anyone with a block explorer. Your XRP deposit stays public, and the XMR payout lands on the private Monero chain. Monero addresses are 95 characters and begin with 4, or with 8 for subaddresses. XMR needs no memo, and this is a cross-chain swap.
Before sending, you see a floating-rate estimate of the XMR you will get, already net of the Monero network fee for the payout. A swing in either price before your XRP confirms can move the final amount slightly. Monero targets a block about every two minutes, and wallets wait for further blocks before newly received XMR becomes spendable. Watch the order page for status, and keep the transaction ID in case support needs it.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | Monero (XMR) |
| Network | XRP Ledger | Monero |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: XRP Ledger to Monero | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 9.596949 XRP | |
| Account / ID | Not needed to start a swap | |
Only the Monero side is private. Your XRP deposit is a normal XRP Ledger payment, so its sender, amount and destination are public. The XMR payout uses Monero's privacy features, which hide amounts and addresses on its chain, but the order itself is still recorded by the service processing it.
A Monero subaddress starts with 8 and receives XMR the same way a main address does, and a fresh one per payment keeps your receipts separate. Copy it from your wallet in full, all 95 characters. Integrated addresses with a payment ID are longer, so use one only if the receiving service asks for it.
Most often the wallet is still syncing with the Monero blockchain, and newly received XMR stays locked for a short period before it becomes spendable. Check the order page: if it says finished, the payout transaction ID is listed there. Give the wallet time to catch up before contacting support.
It hides what happens on the Monero side, not the XRP side. Anyone can see your XRP payment going to the deposit address on the XRP Ledger. No service can promise anonymity, and on rare occasions an automated anti-money-laundering screen run by a processing partner can hold a flagged swap until you verify.
Three things matter: XRP Ledger validation of your deposit, the exchange step, and the Monero payout being mined into a block. Monero aims for a block about every two minutes, which is slower than the XRP Ledger. Busy periods and exchange withdrawals queued on your side can add more time.
The quote is a floating-rate estimate, so it tracks the market until your XRP deposit confirms. If XRP or XMR moves in that window, the payout changes slightly. The Monero network fee for sending your XMR is already deducted, so it will not come out of the amount a second time.
