# USDT to XRP: Tether (ERC20) to XRP — no-KYC swap on GhostSwap > Send Tether (USDT, 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 USDT to XRP swaps are paid out within 10–25 minutes. Swap page: https://ghostswap.io/exchange/usdt20-xrp/ Updated: 2026-10-04 ## At a glance | | | |---|---| | You send | Tether (USDT), 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 USDT | | 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 USDT ≈ 0.671074 XRP · 1 XRP ≈ 1.4901 USDT (market prices, 4 Oct 2026) | | Limits | Minimum about 31 USDT. The exact minimum and maximum USDT 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; USDT on Etherscan; XRP on XRPSCAN | | Reverse swap | [XRP to USDT](https://ghostswap.io/exchange/xrp-usdt20/) | ## How much XRP you get (quoted 4 Oct 2026, 03:19 UTC, after all fees) | You send | You receive | |---|---| | 100 USDT | 65.9560 XRP | | 500 USDT | 331.1470 XRP | | 2500 USDT | 1,657.13 XRP | ## How to swap USDT to XRP 1. Open https://ghostswap.io/exchange/usdt20-xrp/ and enter the amount of USDT 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 USDT address you are sending from, then confirm. 4. Send the USDT to the one-time deposit address shown. 5. Receive XRP in your wallet and follow the status page with your swap ID. ## USDT (ERC20) to XRP: what to know before you swap USDT to XRP swaps Tether on Ethereum into XRP, a fast payments network where the ledger closes every few seconds. The XRP is paid to your own XRP address, with no account. The ERC20 deposit confirms within a minute or two; the XRP payout then settles in seconds. ### Tips - XRP addresses start with r. - Receiving to an exchange or shared wallet? Enter its Destination Tag in the Destination Tag field, or the XRP cannot be credited to you. - You need a little ETH in the sending wallet to pay gas for the USDT transfer. ### Do I need a Destination Tag? Only if the receiving address belongs to an exchange or service that asks for one. Personal wallets do not need it. ### Can I swap USDT to XRP without KYC? Yes. Paste your XRP address (plus tag if needed) and send the USDT. ## FAQ ### How long does it take to swap USDT to XRP on GhostSwap? Most USDT to XRP swaps are paid out within 10–25 minutes: the USDT 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 USDT in XRP? 1 USDT is worth about 0.671074 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 USDT. The Ethereum network fee for sending the USDT is paid separately, in ETH. The rate floats with the market until your USDT deposit confirms. ### Can I send USDT straight to my XRP address? No. USDT moves on Ethereum and XRP on XRP Ledger, so USDT can only be sent to an Ethereum address. To swap, send the USDT 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. ### Which USDT network does this USDT to XRP swap use? The USDT you send is an ERC-20 token on Ethereum, sent from an Ethereum wallet that also holds a little ETH for the network fee. The same swap on other networks: [USDT TRC20 to XRP](https://ghostswap.io/exchange/usdtrx-xrp/), [USDT BEP20 to XRP](https://ghostswap.io/exchange/usdtbsc-xrp/), [USDT SOL to XRP](https://ghostswap.io/exchange/usdtsol-xrp/), [USDT Polygon to XRP](https://ghostswap.io/exchange/usdtpolygon-xrp/). ### What happens if my USDT to XRP exchange fails? If a swap cannot be completed, the USDT is refunded to the Ethereum address you entered as the sender address. ## Related - [Reverse: XRP to USDT](https://ghostswap.io/exchange/xrp-usdt20/) ([Markdown](https://ghostswap.io/exchange/xrp-usdt20.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)