Swap XRP to ZEC 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 ZEC 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 Zcash you will receive on the Zcash network at the current floating rate, with the payout network fee already taken into account.
Paste your ZEC 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 ZEC is sent to your wallet. The order page shows every stage.
Swapping XRP (XRP) for Zcash (ZEC) 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 ZEC 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 Zcash, so check that your Zcash address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
24 XRP
≈
0.0133363 ZEC
At the latest hourly update, 24 XRP converts to about 0.0133363 ZEC. 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 ZEC about $1,281.11, so 1 XRP converts to roughly 0.000556 ZEC. These figures move with the market, and the widget shows the live estimate before you confirm.
This page converts XRP into Zcash (ZEC). Your XRP leaves a wallet on the XRP Ledger, and ZEC arrives on the Zcash blockchain at an address you paste into the form, with no signup in between. People usually convert XRP to ZEC when they want a coin that supports shielded transactions, for example to make later payments without exposing amounts and addresses on a public ledger.
On the sending side, XRP is the native coin of the XRP Ledger, where validators agree on a new ledger every few seconds and accounts start with r. Zcash is a proof-of-work coin that uses zero-knowledge proofs (zk-SNARKs) for shielded transfers, next to transparent addresses that start with t1 or t3. The chains are unrelated, so the swap is cross-chain. A transparent t-address is the most widely accepted payout format, and ZEC needs no memo.
Pricing uses a floating rate, and the widget shows how much ZEC to expect before you send. The margin and the Zcash network fee for delivering your coins are already subtracted from that number. A market move while your XRP deposit confirms can nudge the final amount up or down a little. XRP settles fast, and Zcash targets a block about every 75 seconds, so the payout confirmations set most of the pace. Track it all on the order page.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | XRP | Zcash (ZEC) |
| Network | XRP Ledger | Zcash |
| Type | Native coin | Native coin |
| Memo / tag | Include the memo shown on your order page | Not needed |
| Route | Cross-chain: XRP Ledger to Zcash | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 22.104868 XRP | |
| Account / ID | Not needed to start a swap | |
A transparent address beginning with t1 or t3 is the safest choice for the payout. Shielded and unified addresses are not supported everywhere, so use one only if the address field accepts it. You can move the ZEC into a shielded pool from your own wallet afterwards.
Not at first, because a payout to a transparent address is visible on the Zcash blockchain like any Bitcoin-style transaction. The XRP you send is public on the XRP Ledger as well. If privacy matters, shield the ZEC in a wallet that supports shielded addresses once it arrives.
It does whenever the order page lists one next to the deposit address. The tag tells the system which order your XRP belongs to, and leaving it out can strand the payment. Enter it in the tag or memo field of your wallet or exchange withdrawal.
It depends on block confirmations on both chains rather than on a fixed clock. The XRP Ledger closes ledgers every few seconds, so your deposit is seen quickly. Zcash aims for one block about every 75 seconds, and the payout needs confirmations there before your wallet shows it as settled.
No, xswap.to does not ask for ID, an account or an email address. In rare cases a partner's automated anti-money-laundering check may pause a flagged transaction and request verification. That is uncommon, and support can explain the next step if it happens.
Open your order page, which shows live status from waiting for deposit through to finished. Once the payout is sent, it lists a transaction ID you can paste into a Zcash block explorer. Your browser also keeps recent orders, which you can reopen from the Track Order page.
