USDC to XRP: Exchange USD Coin for XRP Without KYC

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.

10–25 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

USDC

You Get

XRP

Recipient Wallet

Sender Address

⚠️ Enter the exact wallet you are sending from — your funds must be sent from this address.

By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.

USDC

USD Coin (USDC) on Ethereum

Price:

$1.0000

24h Change:

0.01%

Market Cap:

$74.10B

Volume (24h):

$17.89B

Circulating Supply:

74.10B USDC

XRP

Price:

$1.48

24h Change:

-3.63%

Market Cap:

$93.63B

Volume (24h):

$2.98B

Circulating Supply:

63.09B XRP

Data by CoinGecko

USDC to XRP Exchange Rate

1 USDC = 0.675660 XRP

The 1 USD Coin (USDC) on Ethereum to XRP reference rate at market prices, before fees.

Live market rate

USDC to XRP swap at a glance

Send USDC from MetaMask, Rabby or a Ledger.

USD Coin (USDC)You send · ERC-20 token on Ethereum

XRPYou receive · XRP Ledger network

It is a cross-chain swap from Ethereum to XRP Ledger, with no bridge and no wrapped tokens.

Swap time

10–25 minuntil your XRP is sent

Network fee

Paid in ETHkeep a little ETH too

Account / KYC

NoneNo sign-up, email or ID for standard swaps

Tracking

Live status pageUSDC on Etherscan · XRP on XRPSCAN

Your XRP address

XRP Ledger addressIt starts with r. Wallets: Xaman or a Ledger.

Reference rate

1 USDC ≈ 0.675660 XRP1 XRP ≈ 1.4800 USDC · market prices, 3 Oct 2026

Minimum

About 31 USDC

Destination Tag for XRP

Only for exchange accountsPersonal wallets leave it empty.

Send USDCAbout 2–5 minutes to confirm on Ethereum
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive XRPSent to your address; XRP Ledger confirms in a few seconds

Facts checked 3 Oct 2026Reverse: XRP to USDC

How much XRP do you get for USDC?

GhostSwap quotes at 3 Oct 2026, 10:09 UTC, after the service fee and the cost of sending the XRP to your wallet.

Fees included

100USDC

66.1939XRP

500USDC

332.3429XRP

2,500USDC

1,663.06XRP

The rate floats with the market until your USDC deposit confirms.

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 for this swap

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.

Swap 1,600+ coins on our no-KYC crypto exchange

USDC to XRP Live Price Chart

USDC/XRP

Loading chart...

Reference market prices, updated live

What is USD Coin (USDC) on Ethereum?

USD Coin (USDC) on Ethereum is a regulated stablecoin pegged 1:1 to the US Dollar, issued by Circle. Unlike algorithmic stablecoins, USDC is backed by cash and short-term US Treasury bonds, with regular attestations of reserves. USDC is widely used across DeFi protocols for lending, borrowing, and providing liquidity, and is accepted as payment by a growing number of merchants. As an ERC-20 token, USDC benefits from Ethereum's vast ecosystem but incurs gas fees for transfers.

What is XRP?

XRP is the native cryptocurrency of the XRP Ledger, an open-source blockchain designed for fast, low-cost cross-border payments. Transactions on the XRP Ledger settle in just 3-5 seconds with negligible fees, making it one of the most efficient payment networks in the cryptocurrency space. XRP is widely used for international remittances and liquidity transfers between financial institutions. Unlike proof-of-work chains, the XRP Ledger uses a consensus protocol that is energy-efficient and highly scalable.

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Why Swap USDC for XRP?

Converting USD Coin (USDC) on Ethereum to XRP on GhostSwap gets you XRP without signing up for a centralized exchange or completing KYC verification.

Get XRP without an exchange account

Get XRP without creating exchange accounts or submitting ID documents.

About XRP

XRP is used for fast cross-border payments and remittances. Unlike a dollar-pegged stablecoin, its price moves with the market.

Convert USD Coin (USDC) on Ethereum to XRP

USDC	XRP at market price
31USDC	20.9455XRP
50USDC	33.7830XRP
100USDC	67.5660XRP
250USDC	168.9150XRP
500USDC	337.8301XRP
1,000USDC	675.6601XRP
5,000USDC	3,378.30XRP
10,000USDC	6,756.60XRP

At market prices of $0.999977 per USDC and $1.4800 per XRP (3 Oct 2026), 500 USDC is worth about 337.8301 XRP.

Convert XRP to USD Coin (USDC) on Ethereum

XRP	USDC at market price
25XRP	37.0009USDC
50XRP	74.0017USDC
250XRP	370.0085USDC
500XRP	740.0170USDC
2,500XRP	3,700.09USDC
5,000XRP	7,400.17USDC

Going the other way, 500 XRP is worth about 740.0170 USDC at the same prices.

How to Exchange USD Coin to XRP

Select USDC and XRP

Pick USDC in “You send” and XRP in “You get”, then enter the amount.

Enter XRP Address

Paste the XRP Ledger address that should receive the XRP. Add a Destination Tag only if that address belongs to an exchange account. Then enter the Ethereum address you send USDC from; a refund, if ever needed, goes there.

Send USD Coin

Send exactly the amount shown from your own Ethereum wallet to the one-time deposit address. Keep a little ETH in that wallet for the network fee.

Receive XRP

Your XRP arrives on XRP Ledger. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other USDC and XRP pairs.

USDC to XRP: questions and answers

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 0.675660 XRP at the market rate, before fees (market prices, 3 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.