# XRP to PayPal USD (XRP to PYUSD): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive PayPal USD (PYUSD, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into PYUSD locks in a dollar value without selling on a centralized exchange. Most XRP to PYUSD swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-pyusd/ Updated: 2026-10-12 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | PayPal USD (PYUSD), ERC-20 token on Ethereum | | Your PYUSD address | Ethereum address that starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger | | 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 | | PYUSD payout | Sent to your address as soon as the swap completes; Ethereum confirms it in about 2–5 minutes | | Typical swap time | 5–15 minutes until your PYUSD is sent | | Reference rate | 1 XRP ≈ 1.4003 PYUSD · 1 PYUSD ≈ 0.714145 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; PYUSD on Etherscan | | Reverse swap | [PYUSD to XRP](https://ghostswap.io/exchange/pyusd-xrp/) | ## How much PYUSD you get (quoted 12 Oct 2026, 12:16 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 68.8225 PYUSD | | 500 XRP | 690.5433 PYUSD | | 1000 XRP | 1,381.34 PYUSD | ## How to swap XRP to PYUSD 1. Open https://ghostswap.io/exchange/xrp-pyusd/ and enter the amount of XRP to send. 2. Paste the PYUSD 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 PYUSD in your wallet and follow the status page with your swap ID. ## XRP to PayPal USD: from the XRP Ledger to an ERC-20 stablecoin PYUSD is PayPal's dollar stablecoin, issued by Paxos on Ethereum, Solana and Arbitrum. This pair takes XRP from the XRP Ledger and pays PYUSD as an ERC-20 token on Ethereum. It suits XRP holders who want a dollar balance in an Ethereum wallet they control, with no account. From there they can keep the PYUSD or move it into PayPal where PYUSD is offered. XRP Ledger payments settle in a few seconds, so the deposit is credited quickly, and most swaps finish in 5 to 15 minutes, including the Ethereum confirmation of the PYUSD. If GhostSwap shows a Destination Tag with the deposit address, enter it in your XRP wallet's tag field as well. A payment without it may not be credited to your swap automatically. ### Tips - Paste an Ethereum address (0x plus 40 hexadecimal characters). PYUSD on Solana is a separate coin in the exchange box. This pair pays the Ethereum version. - Send XRP from a wallet you control, such as Xaman or a Ledger, and enter its r address as the refund address. Every XRP account keeps a reserve that cannot be sent, so you cannot swap the full balance. - Many wallets do not list PYUSD by default. If it does not appear, add it as a custom token with the contract 0x6c3ea9036406852006290770BEdFcAbA0e23A0e8. ### Can I swap XRP to PYUSD without an account? Yes. GhostSwap asks for no account, email or ID on a standard swap. Paste your Ethereum address, include the Destination Tag if one is shown and send the XRP. ### Can I send the PYUSD straight to PayPal? PayPal can receive PYUSD from outside wallets on the networks it lists in the app. Before you use a PayPal receive address, check that Ethereum is one of them for your account. The simpler route is to receive the PYUSD in your own Ethereum wallet first. ## FAQ ### How long does it take to swap XRP to PYUSD on GhostSwap? Most XRP to PYUSD swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the PYUSD is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. ### How much is 1 XRP in PYUSD? 1 XRP is worth about 1.4003 PYUSD 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 PYUSD 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. ### What wallet and address do I need to receive PYUSD? Use an Ethereum address from a wallet you control, such as MetaMask, Rabby or a Ledger. The address starts with 0x followed by 40 hexadecimal characters. Sending PYUSD to an address on another network can lose the coins. GhostSwap never holds your funds: the PYUSD is sent straight to the address you enter. ### Which PYUSD network does this XRP to PYUSD swap use? The PYUSD you receive is an ERC-20 token on Ethereum, paid to an Ethereum address; moving it later costs Ethereum network fees in ETH. ### What happens if my XRP to PYUSD 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: PYUSD to XRP](https://ghostswap.io/exchange/pyusd-xrp/) ([Markdown](https://ghostswap.io/exchange/pyusd-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)