XRP to USDC: Exchange XRP for USD Coin Without KYC

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.

5–15 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

XRP

You Get

USDC

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:

$1.41

24h Change:

-4.08%

Market Cap:

$88.89B

Volume (24h):

$2.50B

Circulating Supply:

63.09B XRP

USDC

USD Coin (USDC) on Ethereum

Price:

$0.9996

24h Change:

-0.03%

Market Cap:

$73.59B

Volume (24h):

$24.12B

Circulating Supply:

73.62B USDC

Data by CoinGecko

XRP to USDC Exchange Rate

1 XRP = 1.4105 USDC

The 1 XRP to USD Coin (USDC) on Ethereum reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.

Live market rate

XRP to USDC swap at a glance

Everything that is specific to swapping XRP to USD Coin on GhostSwap.

XRPYou send · XRP Ledger network

USD Coin (USDC)You receive · ERC-20 token on Ethereum

Swapping into USDC locks in a dollar value without selling on a centralized exchange. It is a cross-chain swap from XRP Ledger to Ethereum, with no bridge and no wrapped tokens.

Swap time

5–15 minuntil your USDC 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 · USDC on Etherscan

Your USDC address

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

Reference rate

1 XRP ≈ 1.4105 USDC1 USDC ≈ 0.708954 XRP · market prices, 8 Oct 2026

Minimum

About 22 XRPThe exact minimum and maximum are shown in the exchange box before you send.

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 USDCSent to your address; Ethereum confirms in about 2–5 minutes

Facts checked 8 Oct 2026Reverse: USDC to XRP

How much USDC do you get for XRP?

GhostSwap quotes at 8 Oct 2026, 08:19 UTC. What lands in your wallet: service fee and USDC network fee already deducted.

Fees included

50XRP

69.4769USDC

500XRP

697.0830USDC

1,000XRP

1,394.34USDC

The rate floats with the market until your XRP deposit confirms. The minimum for this pair is about 22 XRP. Enter any amount in the exchange box above for a live quote; no account needed.

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 for this swap

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.

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

XRP to USDC Live Price Chart

XRP/USDC

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 USD Coin (USDC) on Ethereum?

USD Coin (USDC) on Ethereum is a regulated stablecoin pegged 1:1 to the US Dollar, issued by Circle. Unlike algorithmic stablecoins, USDC is backed by cash and short-term US Treasury bonds, with regular attestations of reserves. USDC is widely used across DeFi protocols for lending, borrowing, and providing liquidity, and is accepted as payment by a growing number of merchants. As an ERC-20 token, USDC benefits from Ethereum's vast ecosystem but incurs gas fees for transfers.

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Why Swap XRP for USDC?

Swapping XRP to USD Coin (USDC) on Ethereum with GhostSwap moves your funds into a dollar-pegged stablecoin, all without KYC, account creation, or using a centralized exchange.

A dollar-pegged balance

USD Coin (USDC) on Ethereum 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 USDC is in your own wallet.

Skip the centralized exchange

No exchange deposit or withdrawal delays and no KYC requirements. GhostSwap converts XRP to USDC directly.

No identity verification needed

Your XRP to USD Coin (USDC) on Ethereum conversion requires no account, no ID upload, and no personal information. Swap privately, wallet to wallet.

Exchange XRP for USDC on GhostSwap. Most swaps are paid out within 5–15 minutes after you send your XRP.

Convert XRP to USD Coin (USDC) on Ethereum

XRP	USDC at market price
25XRP	35.2632USDC
50XRP	70.5264USDC
250XRP	352.6322USDC
500XRP	705.2645USDC
5,000XRP	7,052.64USDC

At market prices of $1.4100 per XRP and $0.999625 per USDC (8 Oct 2026), 250 XRP is worth about 352.6322 USDC. Your exact amount, after network fees, is shown in the exchange box before you send.

Convert USD Coin (USDC) on Ethereum to XRP

USDC	XRP at market price
31USDC	21.9776XRP
50USDC	35.4477XRP
100USDC	70.8954XRP
250USDC	177.2385XRP
500USDC	354.4770XRP
1,000USDC	708.9539XRP
5,000USDC	3,544.77XRP
10,000USDC	7,089.54XRP

Going the other way, 500 USDC is worth about 354.4770 XRP at the same prices.

How to Exchange XRP to USD Coin

Select XRP and USDC

Pick XRP in “You send” and USDC in “You get”, then enter the amount. The box shows how much USDC you get and the minimum XRP for this pair.

Enter USD Coin Address

Paste the Ethereum address that should receive the USDC (it starts with 0x followed by 40 hexadecimal characters). 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 USD Coin

Your USDC is usually paid out 5–15 minutes after you send your XRP, and Ethereum then confirms it in about 2–5 minutes. Follow each step on the status page with your swap ID.