XRP to PYUSD: Exchange XRP for PayPal USD Without KYC

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.

5–15 min
No account · No KYC
Paid to your wallet
Fees included in quote

You Send

XRP

You Get

PYUSD

Recipient Wallet

Sender Address

⚠️ Enter the exact wallet you are sending from. Your funds must be sent from this address.

By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.

XRP

Price:

$1.31

24h Change:

-4.41%

Market Cap:

$82.51B

Volume (24h):

$1.58B

Circulating Supply:

63.13B XRP

PYUSD

PayPal USD

Price:

$1.0000

24h Change:

-0.01%

Market Cap:

$3.04B

Volume (24h):

$56.18M

Circulating Supply:

3.04B PYUSD

Data by CoinGecko

XRP to PYUSD Exchange Rate

1 XRP = 1.3100 PYUSD

The 1 XRP to PayPal USD reference rate at market prices, before fees.

Live market rate

XRP to PYUSD swap at a glance

Send XRP from Xaman or a Ledger.

XRPYou send · XRP Ledger network

PayPal USD (PYUSD)You receive · ERC-20 token on Ethereum

It is a cross-chain swap from XRP Ledger to Ethereum, with no bridge and no wrapped tokens.

Swap time

5–15 minuntil your PYUSD is sent

Network fee

Paid in XRPby your wallet

Account / KYC

NoneNo sign-up, email or ID for standard swaps

Tracking

Live status pageXRP on XRPSCAN · PYUSD on Etherscan

Your PYUSD address

Ethereum addressIt starts with 0x followed by 40 hexadecimal characters. Wallets: MetaMask, Rabby or a Ledger.

Reference rate

1 XRP ≈ 1.3100 PYUSD1 PYUSD ≈ 0.763344 XRP · market prices, 22 Oct 2026

Minimum

About 23 XRP

Deposit Destination Tag

Include it if shownCopy the Destination Tag from the deposit screen exactly.

Send XRPA few seconds to confirm on XRP Ledger
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive PYUSDSent to your address; Ethereum confirms in about 2–5 minutes

Facts checked 22 Oct 2026Reverse: PYUSD to XRP

How much PYUSD do you get for XRP?

GhostSwap quotes at 22 Oct 2026, 23:22 UTC, after the service fee and the cost of sending the PYUSD to your wallet.

Fees included

100XRP

128.6586PYUSD

500XRP

644.2555PYUSD

2,500XRP

3,221.81PYUSD

The rate floats with the market until your XRP deposit confirms.

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 for this swap

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.

Swap 1,600+ coins on our no-KYC crypto exchange

XRP to PYUSD Live Price Chart

XRP/PYUSD

Loading chart...

Reference market prices, updated live

What is XRP?

XRP is the native cryptocurrency of the XRP Ledger, an open-source blockchain designed for fast, low-cost cross-border payments. Transactions on the XRP Ledger settle in just 3-5 seconds with negligible fees, making it one of the most efficient payment networks in the cryptocurrency space. XRP is widely used for international remittances and liquidity transfers between financial institutions. Unlike proof-of-work chains, the XRP Ledger uses a consensus protocol that is energy-efficient and highly scalable.

What is PayPal USD?

PayPal USD (PYUSD) is a stablecoin issued by PayPal, pegged 1:1 to the U.S. Dollar. It enables users to transact in a stable digital currency within the PayPal ecosystem and beyond. PYUSD aims to bridge traditional finance and cryptocurrencies, offering seamless transactions and interoperability.

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Why Swap XRP for PYUSD?

Swapping XRP to PayPal USD on GhostSwap moves your funds into a dollar-pegged stablecoin, all without KYC, account creation, or using a centralized exchange.

A dollar-pegged balance

PayPal USD is designed to keep a 1:1 peg to the US dollar, so the balance follows the dollar rather than the price of XRP.

Stay in crypto

No need to cash out to a bank account. Your PYUSD is in your own wallet.

Convert XRP to PayPal USD

XRP	PYUSD at market price
25XRP	32.7506PYUSD
50XRP	65.5012PYUSD
100XRP	131.0025PYUSD
250XRP	327.5062PYUSD
500XRP	655.0124PYUSD
1,000XRP	1,310.02PYUSD
5,000XRP	6,550.12PYUSD
10,000XRP	13,100.25PYUSD

At market prices of $1.3100 per XRP and $0.999981 per PYUSD (22 Oct 2026), 500 XRP is worth about 655.0124 PYUSD.

Convert PayPal USD to XRP

PYUSD	XRP at market price
25PYUSD	19.0836XRP
50PYUSD	38.1672XRP
100PYUSD	76.3344XRP
250PYUSD	190.8361XRP
500PYUSD	381.6721XRP
1,000PYUSD	763.3443XRP
5,000PYUSD	3,816.72XRP
10,000PYUSD	7,633.44XRP

Going the other way, 500 PYUSD is worth about 381.6721 XRP at the same prices.

How to Exchange XRP to PayPal USD

Select XRP and PYUSD

Pick XRP in “You send” and PYUSD in “You get”, then enter the amount.

Enter PayPal USD Address

Paste the Ethereum address that should receive the PYUSD. Sending PYUSD to an address on another network can lose the coins. Then enter the XRP Ledger address you send XRP from; a refund, if ever needed, goes there.

Send XRP

Send exactly the amount shown from your own XRP Ledger wallet to the one-time deposit address.

Receive PayPal USD

Your PYUSD arrives on Ethereum. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other XRP and PYUSD pairs.

XRP to PYUSD: questions and answers

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 1.3100 PYUSD at the market rate, before fees (market prices, 22 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 23 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.