# Monero to XRP (XMR to XRP): no-KYC swap on GhostSwap

> Send Monero (XMR) and receive XRP on XRP Ledger in your own wallet, with no account and no KYC. The XRP arrives as an ordinary transfer on XRP Ledger, while the XMR you send stays private on its own chain. Most XMR to XRP swaps are paid out within 20–60 minutes.

Swap page: https://ghostswap.io/exchange/xmr-xrp/
Updated: 2026-10-08

## At a glance

| | |
|---|---|
| You send | Monero (XMR) |
| 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 XMR by your wallet |
| Deposit confirmation | About 20 minutes (10 confirmations) on Monero |
| XRP payout | Sent to your address as soon as the swap completes; XRP Ledger confirms it in a few seconds |
| Typical swap time | 20–60 minutes until your XRP is sent |
| Reference rate | 1 XMR ≈ 399.0571 XRP · 1 XRP ≈ 0.002506 XMR (market prices, 8 Oct 2026) |
| Limits | Minimum about 0.054 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; XRP on XRPSCAN |
| Reverse swap | [XRP to XMR](https://ghostswap.io/exchange/xrp-xmr/) |

## How much XRP you get (quoted 8 Oct 2026, 06:45 UTC, after all fees)

| You send | You receive |
|---|---|
| 0.2 XMR | 78.3635 XRP |
| 1 XMR | 393.0719 XRP |
| 5 XMR | 1,966.15 XRP |

## How to swap XMR to XRP

1. Open https://ghostswap.io/exchange/xmr-xrp/ and enter the amount of XMR 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 XMR address you are sending from, then confirm.
4. Send the XMR to the one-time deposit address shown.
5. Receive XRP in your wallet and follow the status page with your swap ID.

## Monero to XRP: destination tags and the account reserve

XMR to XRP turns Monero into XRP on the XRP Ledger, a network built for payments where transfers settle in seconds. Some people use it to pay where XRP is accepted, or to fund an exchange account that lists XRP. Every XRP Ledger account and payment is public on explorers like XRPSCAN. The XRP goes to the address you enter, with no account on GhostSwap.

Monero confirmations take most of the time: the deposit is usually credited within about 20 minutes, and in most swaps the XRP goes out within 20 to 60 minutes. The XRP Ledger closes a new ledger every few seconds, so the payout is final almost as soon as it is sent. A new XRP address only becomes active once it receives at least the network's base reserve, and that reserve cannot be sent while the account exists.

### Tips

- Paying into an exchange account? Copy the tag the exchange gives you into the Destination Tag field, or it may not credit the XRP to you.
- For your own Xaman or Ledger wallet, leave the tag empty. XRP addresses start with r; X-addresses that bundle a tag are not accepted.
- Choose XRP, not Ripple BSC, which is a BEP-20 token on BNB Smart Chain paid to 0x addresses.

### Is KYC required to swap Monero to XRP?

No. An XMR to XRP swap takes no account, email or ID. Paste your r address, add a Destination Tag only if the receiver needs one, enter a Monero refund address and send the XMR.

### Why is part of my XRP shown as reserved?

Every XRP Ledger account keeps a base reserve, plus an owner reserve for each trust line or other object it holds. Your wallet shows that part as reserved, and the rest is yours to spend.

## FAQ

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

Most XMR to XRP swaps are paid out within 20–60 minutes: the XMR deposit needs about 20 minutes (10 confirmations) to confirm on Monero, 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 XRP do I get for 5 XMR?

At 8 Oct 2026, 06:45 UTC, 5 XMR swapped to about 1,966.15 XRP on GhostSwap, after the service fee and the XRP network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### What are the fees for converting Monero 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, the Monero network fee for your deposit is paid in XMR by your wallet.

### 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 XMR 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 incoming XRP on XRPSCAN (https://xrpscan.com).

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

GhostSwap is non-custodial: there is no account balance holding your coins. Your XMR 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.

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

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 XRP you receive will appear as a fresh transaction on the XRP Ledger blockchain with no visible connection to your XMR holdings. GhostSwap requires no KYC, so there's no account linking the two.

### How does a cross-chain XMR to XRP swap work?

Monero lives on Monero and XRP on XRP Ledger, two separate blockchains. Instead of a bridge, GhostSwap takes your XMR on Monero and pays native XRP on XRP Ledger, so you never hold a wrapped token or pay bridge fees.

### What happens if my XMR to XRP 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: XRP to XMR](https://ghostswap.io/exchange/xrp-xmr/) ([Markdown](https://ghostswap.io/exchange/xrp-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)