# XRP to Cardano (XRP to ADA): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive Cardano (ADA) in your own wallet, with no account and no KYC. It is a cross-chain swap from XRP Ledger to Cardano, with no bridge and no wrapped tokens. Most XRP to ADA swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-ada/ Updated: 2026-10-12 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | Cardano (ADA) | | Your ADA address | Cardano address that starts with addr1. Wallets: Eternl, Lace or VESPR | | Deposit Destination Tag | If the deposit screen shows a Destination Tag for your XRP, include it exactly. | | Deposit network fee | Paid in XRP by your wallet | | Deposit confirmation | A few seconds on XRP Ledger | | ADA payout | Sent to your address as soon as the swap completes; Cardano confirms it in a few minutes (blocks about every 20 seconds) | | Typical swap time | 5–15 minutes until your ADA is sent | | Reference rate | 1 XRP ≈ 5.5863 ADA · 1 ADA ≈ 0.179009 XRP (market prices, 12 Oct 2026) | | Limits | Minimum about 22 XRP. The exact minimum and maximum XRP 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; ADA on Cardanoscan | | Reverse swap | [ADA to XRP](https://ghostswap.io/exchange/ada-xrp/) | ## How much ADA you get (quoted 12 Oct 2026, 12:16 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 275.0997 ADA | | 500 XRP | 2,753.61 ADA | | 1000 XRP | 5,507.26 ADA | ## How to swap XRP to ADA 1. Open https://ghostswap.io/exchange/xrp-ada/ and enter the amount of XRP to send. 2. Paste the ADA address that should receive the coins. 3. Enter the XRP address you are sending from, then confirm. 4. Send the XRP to the one-time deposit address shown. 5. Receive ADA in your wallet and follow the status page with your swap ID. ## XRP to ADA: from the XRP Ledger to Cardano staking XRP to ADA moves funds from a payments ledger to Cardano, a proof-of-stake chain where holders delegate ADA to stake pools and take part in on-chain governance. The XRP Ledger has no staking for holders, so this swap often comes from people who want to delegate or use Cardano apps. GhostSwap sends the ADA to your own Cardano wallet, and you sign up for nothing. The XRP Ledger settles your deposit in seconds and Cardano adds a block about every 20 seconds, so most swaps finish in 5 to 15 minutes. When the deposit details list a Destination Tag beside the address, your XRP payment must carry it so the deposit can be linked to your swap. The Cardano side needs no tag or memo: the addr1 address alone receives the ADA. ### Tips - Paste a Cardano address that starts with addr1, from Eternl, Lace or VESPR. - Your XRP account keeps a base reserve that cannot be sent, so swap the spendable balance your wallet shows rather than the full amount. - Send from Xaman or a Ledger rather than from an exchange, and enter that r-address as the refund address; a refund to a shared exchange address without your tag may not reach you. ### Is KYC or an account needed to swap XRP for ADA? No. A standard XRP to ADA swap asks for no account, email or ID. Paste your addr1 address, check the floating rate shown and send the XRP, with the Destination Tag if one is given. ### Does a new Cardano address need activating like an XRP account? No. A Cardano address needs no reserve or activation to receive ADA. A deposit applies only to staking: registering a stake key locks a small refundable amount of ADA, which your wallet adds to your first delegation and returns if you later deregister. ## FAQ ### How long does it take to swap XRP to ADA on GhostSwap? Most XRP to ADA swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the ADA is sent to your wallet, and Cardano confirms the payout in a few minutes (blocks about every 20 seconds). ### How much is 1 XRP in ADA? 1 XRP is worth about 5.5863 ADA at the market rate, before fees (market prices, 12 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the ADA network fee. The minimum for this pair is about 22 XRP. The XRP Ledger network fee for sending the XRP is paid separately, in XRP. The rate floats with the market until your XRP deposit confirms. ### Can I send XRP straight to my ADA address? No. XRP moves on XRP Ledger and ADA on Cardano, so XRP can only be sent to an XRP Ledger address. To swap, send the XRP to the one-time deposit address GhostSwap shows, and the ADA is paid to the Cardano address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive ADA? Use a Cardano address from a wallet you control, such as Eternl, Lace or VESPR. The address starts with addr1. GhostSwap never holds your funds: the ADA is sent straight to the address you enter. ### What happens if my XRP to ADA exchange fails? If a swap cannot be completed, the XRP is refunded to the XRP Ledger address you entered as the sender address. ## Related - [Reverse: ADA to XRP](https://ghostswap.io/exchange/ada-xrp/) ([Markdown](https://ghostswap.io/exchange/ada-xrp.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)