# Monero to Ripple USD (XMR to RLUSD) — no-KYC swap on GhostSwap

> Send Monero (XMR) and receive Ripple USD (RLUSD, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. The RLUSD arrives as an ordinary transfer on Ethereum, while the XMR you send stays private on its own chain. Most XMR to RLUSD swaps finish in 20–60 minutes.

Swap page: https://ghostswap.io/exchange/xmr-rlusd/
Updated: 2026-10-02

## At a glance

| | |
|---|---|
| You send | Monero (XMR) |
| You receive | Ripple USD (RLUSD), ERC-20 token on Ethereum |
| Your RLUSD address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger |
| Deposit network fee | Paid in XMR by your wallet |
| Deposit confirmation | About 20 minutes (10 confirmations) on Monero |
| RLUSD payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes |
| Typical swap time | 20–60 minutes until your RLUSD is sent |
| Reference rate | 1 XMR ≈ 544.6300 RLUSD · 1 RLUSD ≈ 0.001836 XMR (market prices, 2 Oct 2026) |
| Limits | Minimum about 0.055 XMR. The exact minimum and maximum XMR 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; RLUSD on Etherscan |
| Reverse swap | [RLUSD to XMR](https://ghostswap.io/exchange/rlusd-xmr/) |

## How much RLUSD you get (quoted 2 Oct 2026, 14:33 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.2 XMR | 107.1453 RLUSD |
| 1 XMR | 538.4280 RLUSD |
| 5 XMR | 2,694.72 RLUSD |

## How to swap XMR to RLUSD

1. Open https://ghostswap.io/exchange/xmr-rlusd/ and enter the amount of XMR to send.
2. Paste the RLUSD address that should receive the coins.
3. Enter the XMR address you are sending from, then confirm.
4. Send the XMR to the one-time deposit address shown.
5. Receive RLUSD in your wallet and follow the status page with your swap ID.

## FAQ

### How long does it take to swap XMR to RLUSD on GhostSwap?

Most XMR to RLUSD swaps finish in 20–60 minutes. Your XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero; after that the RLUSD is sent to your wallet and Ethereum confirms it in about 2–5 minutes. Busy networks can add a few minutes.

### How much RLUSD do I get for 5 XMR?

At 2 Oct 2026, 14:33 UTC, 5 XMR swapped to about 2,694.72 RLUSD on GhostSwap, after the service fee and the RLUSD network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### Do I need KYC or an account to exchange XMR to RLUSD?

No. GhostSwap has no accounts: you paste the Ethereum address that should receive the RLUSD, send XMR from your own wallet, and the RLUSD goes straight to that address. No email, phone number or ID upload.

### What are the fees for converting Monero to Ripple USD?

The GhostSwap fee is already included in the rate in the exchange box, so the RLUSD amount you see is what you receive. On top of that, the Monero network fee for your deposit is paid in XMR by your wallet.

### What wallet should I use to receive RLUSD?

To receive Ripple USD from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum network before starting the exchange. Double-check your RLUSD address before confirming — cryptocurrency transactions cannot be reversed.

### What format is the RLUSD address?

Use a Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending RLUSD to an address on another network can lose the coins.

### Can I track my XMR to RLUSD 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 XMR payment on XMRChain (limited info due to Monero's privacy features) (https://xmrchain.net) and your incoming RLUSD on Etherscan (https://etherscan.io).

### Is it safe to exchange XMR for RLUSD on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your XMR deposit is converted and the RLUSD is sent straight to the Ethereum address you enter, so check that address twice — Ethereum transfers cannot be reversed.

### Will my RLUSD be linked to my XMR?

Since Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction, the source of your funds is already protected. The RLUSD you receive will appear as a fresh transaction on the Ethereum blockchain with no visible connection to your XMR holdings. GhostSwap requires no KYC, so there's no account linking the two.

### Why swap XMR to RLUSD?

Converting Monero to Ripple USD lets you exit a volatile crypto position into a dollar-pegged stablecoin without using a centralized exchange or going through KYC. This is useful for locking in profits, protecting against market downturns, or preparing funds for future trades — all while maintaining your privacy.

### What happens if my XMR to RLUSD exchange fails?

If a swap cannot be completed, the XMR is refunded to the Monero 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: RLUSD to XMR](https://ghostswap.io/exchange/rlusd-xmr/) ([Markdown](https://ghostswap.io/exchange/rlusd-xmr.md))
- [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md))
- [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/)
- [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)