# USDT TRC20 to XRP: Tether (TRC20) to XRP — no-KYC swap on GhostSwap > Send Tether (USDT TRC20, a TRC-20 token on Tron) 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 TRC20 to XRP swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/usdtrx-xrp/ Updated: 2026-10-04 ## At a glance | | | |---|---| | You send | Tether (USDT TRC20), TRC-20 token on Tron | | 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 TRX, so keep a little TRX next to your USDT TRC20 | | Deposit confirmation | About a minute on Tron | | 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 USDT TRC20 ≈ 0.671064 XRP · 1 XRP ≈ 1.4902 USDT TRC20 (market prices, 4 Oct 2026) | | Limits | Minimum about 31 USDT TRC20. The exact minimum and maximum USDT TRC20 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 TRC20 on Tronscan; XRP on XRPSCAN | | Reverse swap | [XRP to USDT TRC20](https://ghostswap.io/exchange/xrp-usdtrx/) | ## How much XRP you get (quoted 4 Oct 2026, 00:58 UTC, after all fees) | You send | You receive | |---|---| | 100 USDT TRC20 | 66.2472 XRP | | 500 USDT TRC20 | 331.3592 XRP | | 2500 USDT TRC20 | 1,656.95 XRP | ## How to swap USDT TRC20 to XRP 1. Open https://ghostswap.io/exchange/usdtrx-xrp/ and enter the amount of USDT TRC20 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 TRC20 address you are sending from, then confirm. 4. Send the USDT TRC20 to the one-time deposit address shown. 5. Receive XRP in your wallet and follow the status page with your swap ID. ## USDT TRC20 to XRP: activating an r-address with your first payout USDT TRC20 to XRP moves dollars from Tron to the XRP Ledger, a network built for payments where a new ledger closes every 3 to 5 seconds. People use it to fund an Xaman wallet, to pay someone who settles in XRP or to hold XRP itself. GhostSwap sends the XRP to the classic r-address you enter, with no account. Tron confirms the deposit in about a minute and the XRP payout settles within seconds, so most swaps finish in 5 to 15 minutes. A brand-new XRP address does not exist on the ledger until it receives at least the base reserve, and that amount stays locked while the account exists. A normal swap payout is enough to activate the address, and your wallet then shows the reserved part as unspendable. ### Tips - Enter a classic XRP address starting with r, from Xaman or a Ledger. X-addresses, which start with X, are not accepted; use the r-address and put any tag in its own field. - Receiving to an exchange? Copy the exchange's Destination Tag into the Destination Tag field, or the XRP may not be credited to your account. - Send the USDT from your own Tron wallet with TRX for energy, and enter that T address as the refund address. ### Can I buy XRP with USDT TRC20 without KYC? Yes. A standard swap of Tron USDT into XRP takes no account, email or ID. Paste your r-address, add a Destination Tag only if the receiver needs one, check the floating rate and send the USDT on Tron. ### Is a Destination Tag needed when the XRP goes to my own wallet? No. A personal wallet such as Xaman has its own r-address, so no tag is needed. Tags matter when many users share one address, as they do at most exchanges. ## FAQ ### How long does it take to swap USDT TRC20 to XRP on GhostSwap? Most USDT TRC20 to XRP swaps are paid out within 5–15 minutes: the USDT TRC20 deposit needs about a minute to confirm on Tron, then the XRP is sent to your wallet, and XRP Ledger confirms the payout in a few seconds. ### How much is 1 USDT TRC20 in XRP? 1 USDT TRC20 is worth about 0.671064 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 TRC20. The Tron network fee for sending the USDT TRC20 is paid separately, in TRX. The rate floats with the market until your USDT TRC20 deposit confirms. ### Can I send USDT TRC20 straight to my XRP address? No. USDT TRC20 moves on Tron and XRP on XRP Ledger, so USDT TRC20 can only be sent to a Tron address. To swap, send the USDT TRC20 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 TRC20 to XRP swap use? The USDT TRC20 you send is a TRC-20 token on Tron, sent from a Tron wallet that also holds a little TRX for the network fee. The same swap on other networks: [USDT to XRP](https://ghostswap.io/exchange/usdt20-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 TRC20 to XRP exchange fails? If a swap cannot be completed, the USDT TRC20 is refunded to the Tron address you entered as the sender address. ## Related - [Reverse: XRP to USDT TRC20](https://ghostswap.io/exchange/xrp-usdtrx/) ([Markdown](https://ghostswap.io/exchange/xrp-usdtrx.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)