# XRP to USD Coin (XRP to USDC): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive USD Coin (USDC, an ERC-20 token on Ethereum) in your own wallet, with no account and no KYC. Swapping into USDC locks in a dollar value without selling on a centralized exchange. Most XRP to USDC swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-usdc/ Updated: 2026-10-12 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | USD Coin (USDC), ERC-20 token on Ethereum | | Your USDC 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 | | USDC 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 USDC is sent | | Reference rate | 1 XRP ≈ 1.4005 USDC · 1 USDC ≈ 0.714011 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; USDC on Etherscan | | Reverse swap | [USDC to XRP](https://ghostswap.io/exchange/usdc-xrp/) | ## How much USDC you get (quoted 12 Oct 2026, 02:06 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 68.9869 USDC | | 500 XRP | 692.1274 USDC | | 1000 XRP | 1,384.48 USDC | ## How to swap XRP to USDC 1. Open https://ghostswap.io/exchange/xrp-usdc/ and enter the amount of XRP to send. 2. Paste the USDC 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 USDC in your wallet and follow the status page with your swap ID. ## XRP to USDC: an Ethereum dollar balance from the XRP Ledger XRP to USDC swaps XRP for Circle's USD Coin as an ERC-20 token on Ethereum. It suits XRP holders who want a dollar value they can use in Ethereum apps or send to a service that takes USDC. The payout goes to a 0x address, so you need an Ethereum wallet such as MetaMask or Rabby alongside your XRP wallet, but no GhostSwap account. The XRP deposit settles in seconds and the USDC then confirms on Ethereum, so most swaps finish in 5 to 15 minutes. Include the Destination Tag in your XRP payment whenever the deposit details show one. Every later move of the USDC pays gas in ETH, so a wallet that holds only USDC cannot send it until you add some ETH. ### Tips - Enter an Ethereum address (0x plus 40 hex characters) from MetaMask, Rabby or a Ledger; an r-address cannot receive ERC-20 USDC. - USDC on Solana, Base or Stellar is a separate receive coin in the exchange box; this pair pays the Ethereum version. - Send from an XRP wallet you control and give its r-address for refunds; an exchange withdrawal address would need your personal tag to reach you. ### Can I swap XRP to USDC without KYC? Yes. A standard swap of XRP for USDC needs no account, email or ID. Paste your Ethereum address, check the floating rate and send the XRP, with the Destination Tag if one is shown. ### Can I get a dollar stablecoin on the XRP Ledger instead? Yes. Choose RLUSD on the XRP Ledger, Ripple's own stablecoin, as the receive coin. Your r-address needs a trust line for RLUSD before it can receive it, and an exchange account may also need a tag. ## FAQ ### How long does it take to swap XRP to USDC on GhostSwap? Most XRP to USDC swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the USDC is sent to your wallet, and Ethereum confirms the payout in about 2–5 minutes. Busy networks can add a few minutes. ### How much is 1 XRP in USDC? 1 XRP is worth about 1.4005 USDC 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 USDC network fee. The minimum for this pair is about 22 XRP. The rate floats with the market until your XRP deposit confirms, so the exchange box shows the exact amount before you send. ### What are the fees for converting XRP to USD Coin? The GhostSwap fee is already included in the rate in the exchange box, so the USDC 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 USDC? To receive USD Coin from your swap, we recommend using MetaMask, Rabby or a Ledger. Make sure your wallet supports the Ethereum (ERC-20) network before starting the exchange. Double-check your USDC address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDC address? Use an Ethereum address: it starts with 0x followed by 40 hexadecimal characters. Copy it from your wallet and paste it; never type it by hand. Sending USDC to an address on another network can lose the coins. ### Can I track my XRP to USDC 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 USDC on Etherscan (https://etherscan.io). ### Is it safe to exchange XRP for USDC on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XRP deposit is converted and the USDC is sent straight to the Ethereum address you enter, so check that address twice, Ethereum transfers cannot be reversed. ### Why swap XRP to USDC? Converting XRP to USD Coin 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 USDC 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: USDC to XRP](https://ghostswap.io/exchange/usdc-xrp/) ([Markdown](https://ghostswap.io/exchange/usdc-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)