# Ripple USD to Cosmos (RLUSD to ATOM) — no-KYC swap on GhostSwap > Send Ripple USD (RLUSD, an ERC-20 token on Ethereum) and receive Cosmos (ATOM) on Cosmos Hub in your own wallet, with no account and no KYC. It turns a dollar balance into Cosmos in one step. Most RLUSD to ATOM swaps finish in 10–25 minutes. Swap page: https://ghostswap.io/exchange/rlusd-atom/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Ripple USD (RLUSD), ERC-20 token on Ethereum | | You receive | Cosmos (ATOM), Cosmos Hub | | Your ATOM address | Cosmos Hub address that starts with cosmos1. Wallets: Keplr, Trust Wallet or Vultisig | | Memo | Only needed when the ATOM 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 RLUSD | | Deposit confirmation | About 2–5 minutes on Ethereum | | ATOM payout | Sent to your address as soon as the swap completes; Cosmos Hub confirms it in under a minute | | Typical swap time | 10–25 minutes until your ATOM is sent | | Reference rate | 1 RLUSD ≈ 0.574672 ATOM · 1 ATOM ≈ 1.7401 RLUSD (market prices, 2 Oct 2026) | | Limits | The exact minimum and maximum RLUSD 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; RLUSD on Etherscan; ATOM on Mintscan | | Reverse swap | [ATOM to RLUSD](https://ghostswap.io/exchange/atom-rlusd/) | ## How to swap RLUSD to ATOM 1. Open https://ghostswap.io/exchange/rlusd-atom/ and enter the amount of RLUSD to send. 2. Paste the ATOM address that should receive the coins (and a Memo only if that address needs one). 3. Enter the RLUSD address you are sending from, then confirm. 4. Send the RLUSD to the one-time deposit address shown. 5. Receive ATOM in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap RLUSD to ATOM on GhostSwap? Most RLUSD to ATOM swaps finish in 10–25 minutes. Your RLUSD deposit needs about 2–5 minutes to confirm on Ethereum; after that the ATOM is sent to your wallet and Cosmos Hub confirms it in under a minute. Busy networks can add a few minutes. ### Do I need KYC or an account to exchange RLUSD to ATOM? No. GhostSwap has no accounts: you paste the Cosmos Hub address that should receive the ATOM, send RLUSD from your own wallet, and the ATOM goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting Ripple USD to Cosmos? The GhostSwap fee is already included in the rate in the exchange box, so the ATOM 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 RLUSD. ### What wallet should I use to receive ATOM? To receive Cosmos from your swap, we recommend using Keplr or Trust Wallet. Make sure your wallet supports the Cosmos Hub network before starting the exchange. Double-check your ATOM address before confirming — cryptocurrency transactions cannot be reversed. ### What format is the ATOM address? Use a Cosmos Hub address: it starts with cosmos1. Copy it from your wallet and paste it; never type it by hand. ### Do I need a Memo to receive ATOM? Only if the ATOM goes to an exchange or custodial account that gave you a Memo; enter it in the field shown in the exchange box. A personal ATOM wallet does not need one. ### Can I track my RLUSD to ATOM 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 RLUSD payment on Etherscan (https://etherscan.io) and your incoming ATOM on Mintscan (https://www.mintscan.io/cosmos). ### Is it safe to exchange RLUSD for ATOM on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your RLUSD deposit is converted and the ATOM is sent straight to the Cosmos Hub address you enter, so check that address twice — Cosmos Hub transfers cannot be reversed. ### Why swap RLUSD to ATOM? Converting Ripple USD to Cosmos allows you to move from a stable, dollar-pegged asset into Cosmos for staking and governance of the Cosmos Hub. Using GhostSwap means you can enter a ATOM position privately, without signing up for a centralized exchange or completing KYC verification. ### What happens if my RLUSD to ATOM exchange fails? If a swap cannot be completed, the RLUSD 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: ATOM to RLUSD](https://ghostswap.io/exchange/atom-rlusd/) ([Markdown](https://ghostswap.io/exchange/atom-rlusd.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)