# USDC BEP20 to XRP: USD Coin (BEP20) to XRP: no-KYC swap on GhostSwap > Send USD Coin (USDC BEP20, a BEP-20 token on BNB Smart Chain) 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 BEP20 to XRP swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/usdcbsc-xrp/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | USD Coin (USDC BEP20), BEP-20 token on BNB Smart Chain | | 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 BNB, so keep a little BNB next to your USDC BEP20 | | Deposit confirmation | Under a minute on BNB Smart Chain | | XRP payout | Sent to your address as soon as the swap completes; XRP Ledger confirms it in a few seconds | | Typical swap time | 5–15 minutes until your XRP is sent | | Reference rate | 1 USDC BEP20 ≈ 0.714066 XRP · 1 XRP ≈ 1.4004 USDC BEP20 (market prices, 10 Oct 2026) | | Limits | The exact minimum and maximum USDC BEP20 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 BEP20 on BscScan; XRP on XRPSCAN | | Reverse swap | [XRP to USDC BEP20](https://ghostswap.io/exchange/xrp-usdcbsc/) | ## How to swap USDC BEP20 to XRP 1. Open https://ghostswap.io/exchange/usdcbsc-xrp/ and enter the amount of USDC BEP20 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 BEP20 address you are sending from, then confirm. 4. Send the USDC BEP20 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 USDC BEP20 to XRP on GhostSwap? Most USDC BEP20 to XRP swaps are paid out within 5–15 minutes: the USDC BEP20 deposit needs under a minute to confirm on BNB Smart Chain, 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 USDC BEP20 in XRP? 1 USDC BEP20 is worth about 0.714066 XRP at the market rate, before fees (market prices, 10 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 USDC BEP20 deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange USDC BEP20 to XRP? No. GhostSwap has no accounts: you paste the XRP Ledger address that should receive the XRP, send USDC BEP20 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 USD Coin (BEP20) 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 BNB to pay the BNB Smart Chain network fee for sending USDC BEP20. ### 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 USDC BEP20 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 USDC BEP20 payment on BscScan (https://bscscan.com) and your incoming XRP on XRPSCAN (https://xrpscan.com). ### Is it safe to exchange USDC BEP20 for XRP on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your USDC BEP20 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 USDC BEP20 to XRP? Converting USD Coin (BEP20) 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 USDC BEP20 to XRP exchange fails? If a swap cannot be completed, the USDC BEP20 is refunded to the BNB Smart Chain 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 USDC BEP20](https://ghostswap.io/exchange/xrp-usdcbsc/) ([Markdown](https://ghostswap.io/exchange/xrp-usdcbsc.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)