# PayPal USD to XRP (PYUSD to XRP) — no-KYC swap on GhostSwap > Send PayPal USD (PYUSD, an ERC-20 token on Ethereum) and receive XRP on XRP Ledger in your own wallet, with no account and no KYC. It turns a dollar balance into XRP in one step. Most PYUSD to XRP swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/pyusd-xrp/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | PayPal USD (PYUSD), ERC-20 token on Ethereum | | You receive | XRP (XRP), XRP Ledger | | Your XRP address | XRP Ledger address that starts with r. Wallets: Xaman or a Ledger | | Destination Tag | Only needed when the XRP goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in ETH, so keep a little ETH next to your PYUSD | | Deposit confirmation | About 2–5 minutes on Ethereum | | XRP payout | Sent to your address as soon as the swap completes; XRP Ledger confirms it in a few seconds | | Typical swap time | 10–25 minutes until your XRP is sent | | Reference rate | 1 PYUSD ≈ 0.671030 XRP · 1 XRP ≈ 1.4902 PYUSD (market prices, 2 Oct 2026) | | Limits | The exact minimum and maximum PYUSD amounts are shown live in the exchange box | | Account / KYC | None for standard swaps: no sign-up, no email, no ID | | Tracking | Status page with your swap ID; PYUSD on Etherscan; XRP on XRPSCAN | | Reverse swap | [XRP to PYUSD](https://ghostswap.io/exchange/xrp-pyusd/) | ## How to swap PYUSD to XRP 1. Open https://ghostswap.io/exchange/pyusd-xrp/ and enter the amount of PYUSD to send. 2. Paste the XRP address that should receive the coins (and a Destination Tag only if that address needs one). 3. Enter the PYUSD address you are sending from, then confirm. 4. Send the PYUSD to the one-time deposit address shown. 5. Receive XRP in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap PYUSD to XRP on GhostSwap? Most PYUSD to XRP swaps are paid out within 10–25 minutes: the PYUSD deposit needs about 2–5 minutes to confirm on Ethereum, then the XRP is sent to your wallet, and XRP Ledger confirms the payout in a few seconds. Busy networks can add a few minutes. ### How much is 1 PYUSD in XRP? 1 PYUSD is worth about 0.671030 XRP at the market rate, before fees (market prices, 2 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XRP network fee. The rate floats with the market until your PYUSD deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange PYUSD to XRP? No. GhostSwap has no accounts: you paste the XRP Ledger address that should receive the XRP, send PYUSD from your own wallet, and the XRP goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting PayPal USD to XRP? The GhostSwap fee is already included in the rate in the exchange box, so the XRP amount you see is what you receive. On top of that, your wallet needs a little ETH to pay the Ethereum network fee for sending PYUSD. ### What wallet should I use to receive XRP? To receive XRP from your swap, we recommend using Xaman or a Ledger. A new XRP address only becomes active once it holds the small network reserve (1 XRP since December 2024). Make sure your wallet supports the XRP Ledger network before starting the exchange. Double-check your XRP address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the XRP address? Use an XRP Ledger address: it starts with r. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Destination Tag to receive XRP? Only if the XRP goes to an exchange or custodial account that gave you a Destination Tag; enter it in the field shown in the exchange box. A personal XRP wallet does not need one. ### Can I track my PYUSD to XRP swap? Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your PYUSD payment on Etherscan (https://etherscan.io) and your incoming XRP on XRPSCAN (https://xrpscan.com). ### Is it safe to exchange PYUSD for XRP on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your PYUSD deposit is converted and the XRP is sent straight to the XRP Ledger address you enter, so check that address twice — XRP Ledger transfers cannot be reversed. ### Why swap PYUSD to XRP? Converting PayPal USD to XRP moves dollar-pegged funds into XRP. XRP is used for fast cross-border payments and remittances. Unlike a stablecoin, its price moves with the market. GhostSwap needs no account on a centralized exchange and no KYC. ### What happens if my PYUSD to XRP exchange fails? If a swap cannot be completed, the PYUSD is refunded to the Ethereum address you entered as the sender address. If something looks stuck, contact support with your swap ID from the status page. Most problems come from sending a different amount than shown or using an address on the wrong network. ## Related - [Reverse: XRP to PYUSD](https://ghostswap.io/exchange/xrp-pyusd/) ([Markdown](https://ghostswap.io/exchange/xrp-pyusd.md)) - [All GhostSwap pairs](https://ghostswap.io/exchange/) - [How to exchange](https://ghostswap.io/how-to-exchange/) - [Site guide for AI assistants](https://ghostswap.io/llms.txt)