XMR to XRP: Exchange Monero for XRP Without KYC
Exchange XMR to XRP: 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.
Updated 19 October 2026
- 20–60 min
- No account · No KYC
- Paid to your wallet
- Fees included in quote
By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.
Data by CoinGecko
XMR to XRP Exchange Rate
The 1 Monero to XRP reference rate at market prices, before fees.
XMR to XRP swap at a glance
Send XMR from Feather, Cake Wallet or Monero GUI.
It is a cross-chain swap from Monero to XRP Ledger, with no bridge and no wrapped tokens.
- Send XMRAbout 20 minutes (10 confirmations) to confirm on Monero
- GhostSwap swaps itAt the floating rate, fees already in the quote
- Receive XRPSent to your address; XRP Ledger confirms in a few seconds
How much XRP do I get for XMR?
GhostSwap quotes at 22 Oct 2026, 22:54 UTC, after the service fee and the cost of sending the XRP to your wallet.
0.2XMR1XMR2.5XMRThe rate floats with the market until your XMR deposit confirms.
XMR to XRP at the market rate, before fees
| XMR | XRP, market rate, before fees |
|---|---|
| 0.051 XMR | 23.1299 XRP |
| 0.1 XMR | 45.3527 XRP |
| 0.2 XMR | 90.7053 XRP |
| 0.5 XMR | 226.7634 XRP |
| 1 XMR | 453.5267 XRP |
| 2.5 XMR | 1,133.82 XRP |
| 10 XMR | 4,535.27 XRP |
| 25 XMR | 11,338.17 XRP |
Market prices of $594.1200 per XMR and $1.3100 per XRP on 22 Oct 2026. The box above shows the amount after all fees.
XMR to XRP price chart, market rate before fees
XMR/XRP
How do I exchange XMR to XRP?
Pick XMR and XRP
Pick XMR in “You send” and XRP in “You get”, then enter the amount. The box shows how much XRP you get after all fees, and the minimum for this pair.
Paste your XRP Ledger address
Paste the XRP Ledger address that should receive the XRP: it starts with r. Wallets that work: Xaman or a Ledger. Add a Destination Tag only if that address belongs to an exchange account. Then enter the Monero address you send XMR from; a refund, if ever needed, goes there.
Send XMR on Monero
Send exactly the amount shown from your own Monero wallet to the one-time deposit address, on the Monero network.
Receive XRP
Your XRP is usually paid out 20–60 minutes after you send your XMR, and XRP Ledger then confirms it in a few seconds. Follow each step on 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 for this swap
- 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.
Common mistakes with XMR to XRP
- Sending XMR from a wallet that is not fully synced.
- Leaving too little XMR in the wallet for the network fee.
- Pasting an address from another network: the XRP address starts with r.
- Forgetting the Destination Tag when the XRP goes to an exchange account.
XMR to XRP: questions and answers
What is Monero? Monero (XMR) is the leading privacy cryptocurrency and hides the sender, receiver and amount of every transaction by default. Monero price today
What is XRP? XRP is the native cryptocurrency of the XRP Ledger, an open-source blockchain designed for fast, low-cost cross-border payments.