# XRP to First Digital USD (XRP to FDUSD): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive First Digital USD (FDUSD, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. Swapping into FDUSD locks in a dollar value without selling on a centralized exchange. Most XRP to FDUSD swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-fdusd/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | First Digital USD (FDUSD), BEP-20 token on BNB Smart Chain | | Your FDUSD address | BNB Smart Chain address that starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby | | 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 | | FDUSD payout | Sent to your address as soon as the swap completes; BNB Smart Chain confirms it in under a minute | | Typical swap time | 5–15 minutes until your FDUSD is sent | | Reference rate | 1 XRP ≈ 1.3944 FDUSD · 1 FDUSD ≈ 0.717171 XRP (market prices, 11 Oct 2026) | | Limits | 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; FDUSD on BscScan | | Reverse swap | [FDUSD to XRP](https://ghostswap.io/exchange/fdusd-xrp/) | ## How to swap XRP to FDUSD 1. Open https://ghostswap.io/exchange/xrp-fdusd/ and enter the amount of XRP to send. 2. Paste the FDUSD 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 FDUSD in your wallet and follow the status page with your swap ID. ## FAQ ### How long does it take to swap XRP to FDUSD on GhostSwap? Most XRP to FDUSD swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the FDUSD is sent to your wallet, and BNB Smart Chain confirms the payout in under a minute. Busy networks can add a few minutes. ### How much is 1 XRP in FDUSD? 1 XRP is worth about 1.3944 FDUSD at the market rate, before fees (market prices, 11 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the FDUSD network fee. The rate floats with the market until your XRP deposit confirms, so the exchange box shows the exact amount before you send. ### Do I need KYC or an account to exchange XRP to FDUSD? No. GhostSwap has no accounts: you paste the BNB Smart Chain address that should receive the FDUSD, send XRP from your own wallet, and the FDUSD goes straight to that address. No email, phone number or ID upload. ### What are the fees for converting XRP to First Digital USD? The GhostSwap fee is already included in the rate in the exchange box, so the FDUSD amount you see is what you receive. On top of that, the XRP Ledger network fee for your deposit is paid in XRP by your wallet. ### What wallet should I use to receive FDUSD? To receive First Digital USD from your swap, we recommend using Trust Wallet, MetaMask or Rabby. Make sure your wallet supports the BNB Smart Chain network before starting the exchange. Double-check your FDUSD address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the FDUSD address? Use a BNB Smart Chain address: it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Copy it from your wallet and paste it; never type it by hand. Sending FDUSD to an address on another network can lose the coins. ### Can I track my XRP to FDUSD 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 XRP payment on XRPSCAN (https://xrpscan.com) and your incoming FDUSD on BscScan (https://bscscan.com). ### Is it safe to exchange XRP for FDUSD on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XRP deposit is converted and the FDUSD is sent straight to the BNB Smart Chain address you enter, so check that address twice, BNB Smart Chain transfers cannot be reversed. ### Why swap XRP to FDUSD? Converting XRP to First Digital USD moves the value into a dollar-pegged stablecoin in your own wallet, without using a centralized exchange or going through KYC. ### What happens if my XRP to FDUSD exchange fails? If a swap cannot be completed, the XRP is refunded to the XRP Ledger 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: FDUSD to XRP](https://ghostswap.io/exchange/fdusd-xrp/) ([Markdown](https://ghostswap.io/exchange/fdusd-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)