# USD Coin to XRP (USDC to XRP) — no-KYC swap on GhostSwap > Send USD Coin (USDC, 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 USDC to XRP swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdc-xrp/ Updated: 2026-10-04 ## At a glance | | | |---|---| | You send | USD Coin (USDC), 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 USDC | | 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 USDC ≈ 0.671139 XRP · 1 XRP ≈ 1.4900 USDC (market prices, 4 Oct 2026) | | Limits | Minimum about 31 USDC. The exact minimum and maximum USDC 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; USDC on Etherscan; XRP on XRPSCAN | | Reverse swap | [XRP to USDC](https://ghostswap.io/exchange/xrp-usdc/) | ## How much XRP you get (quoted 4 Oct 2026, 02:37 UTC, after all fees) | You send | You receive | |---|---| | 100 USDC | 65.8723 XRP | | 500 USDC | 330.7483 XRP | | 2500 USDC | 1,655.12 XRP | ## How to swap USDC to XRP 1. Open https://ghostswap.io/exchange/usdc-xrp/ and enter the amount of USDC 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 USDC address you are sending from, then confirm. 4. Send the USDC to the one-time deposit address shown. 5. Receive XRP in your wallet and follow the status page with your swap ID. ## USDC to XRP: from an ERC-20 stablecoin to the XRP Ledger's native coin USDC to XRP converts USD Coin on Ethereum (ERC-20) into XRP on the XRP Ledger. People use it to fund an XRP wallet such as Xaman, to pay someone in XRP, or to send XRP to an exchange account, without selling on an exchange or opening an account here. The XRP goes to the r address you enter. The USDC deposit confirms on Ethereum in about 2 to 5 minutes, and the XRP payment settles within a few seconds, so most swaps finish in 10 to 25 minutes. The USDC transfer pays gas in ETH, so the sending wallet needs some. XRP is not a stablecoin, so once the swap completes your balance moves with the XRP price instead of tracking the dollar. ### Tips - XRP addresses for the payout start with r and are 25 to 35 characters long; X-addresses are not accepted. - Paying into an exchange? Copy both the r address and the Destination Tag; the tag is a number and goes in its own field. - Send USDC from your own Ethereum wallet with a little ETH for gas, and use that 0x address as the refund address. ### Can I swap USDC to XRP without KYC? Yes. A standard swap needs no account, email or ID. Paste your r address, add a tag only if your exchange requires one, check the floating rate shown and send the USDC. If the swap cannot complete, the USDC is refunded to your Ethereum sender address. ### My USDC is on Solana or Base. Can I use this pair? Not this one: it accepts USDC on Ethereum only, and tokens sent on another network may not be recoverable. Pick USDC (Solana) or USDC (Base) as the coin you send instead; both can be swapped to XRP. ## FAQ ### How long does it take to swap USDC to XRP on GhostSwap? Most USDC to XRP swaps are paid out within 10–25 minutes: the USDC 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. ### How much is 1 USDC in XRP? 1 USDC is worth about 0.671139 XRP at the market rate, before fees (market prices, 4 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XRP network fee. The minimum for this pair is about 31 USDC. The Ethereum network fee for sending the USDC is paid separately, in ETH. The rate floats with the market until your USDC deposit confirms. ### Can I send USDC straight to my XRP address? No. USDC moves on Ethereum and XRP on XRP Ledger, so USDC can only be sent to an Ethereum address. To swap, send the USDC to the one-time deposit address GhostSwap shows, and the XRP is paid to the XRP Ledger address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive XRP? Use an XRP Ledger address from a wallet you control, such as Xaman or a Ledger. A new XRP address only becomes active once it holds the small network reserve (1 XRP since December 2024). The address starts with r. A Destination Tag is only needed if the XRP goes to an exchange or custodial account that gave you one; a personal wallet does not need one. GhostSwap never holds your funds: the XRP is sent straight to the address you enter. ### What happens if my USDC to XRP exchange fails? If a swap cannot be completed, the USDC is refunded to the Ethereum address you entered as the sender address. ## Related - [Reverse: XRP to USDC](https://ghostswap.io/exchange/xrp-usdc/) ([Markdown](https://ghostswap.io/exchange/xrp-usdc.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)