# XRP to USDT BEP20: XRP to Tether (BEP20): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive Tether (USDT BEP20, a BEP-20 token on BNB Smart Chain) in your own wallet, with no account and no KYC. Swapping into USDT BEP20 locks in a dollar value without selling on a centralized exchange. Most XRP to USDT BEP20 swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-usdtbsc/ Updated: 2026-10-08 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | Tether (USDT BEP20), BEP-20 token on BNB Smart Chain | | Your USDT BEP20 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 | | USDT BEP20 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 USDT BEP20 is sent | | Reference rate | 1 XRP ≈ 1.4007 USDT BEP20 · 1 USDT BEP20 ≈ 0.713921 XRP (market prices, 8 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; USDT BEP20 on BscScan | | Reverse swap | [USDT BEP20 to XRP](https://ghostswap.io/exchange/usdtbsc-xrp/) | ## How much USDT BEP20 you get (quoted 8 Oct 2026, 06:37 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 69.0276 USDT BEP20 | | 500 XRP | 690.7577 USDT BEP20 | | 1000 XRP | 1,381.57 USDT BEP20 | ## How to swap XRP to USDT BEP20 1. Open https://ghostswap.io/exchange/xrp-usdtbsc/ and enter the amount of XRP to send. 2. Paste the USDT BEP20 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 USDT BEP20 in your wallet and follow the status page with your swap ID. ## XRP to USDT BEP20: destination tags, reserves and BNB gas XRP to USDT on BNB Smart Chain takes XRP off the XRP Ledger and pays Tether as a BEP20 token to the 0x address you enter, with no account to create. The two networks handle addresses differently: XRP uses r-addresses that may come with a Destination Tag, while BNB Smart Chain uses plain 0x addresses with no tag or memo. The swap suits XRP holders who want a dollar stablecoin in the same wallet they use for BNB Smart Chain apps, where transfers cost little. The XRP Ledger closes a new ledger every 3 to 5 seconds and BNB Smart Chain adds blocks in under a second, so most swaps finish in about 5 to 15 minutes. Sending the XRP from an exchange instead of your own wallet adds the exchange's withdrawal processing time on top. ### Tips - The USDT goes to a 0x address on BNB Smart Chain. Keep a little BNB at that address, because moving the USDT later costs a network fee paid in BNB. - If the deposit details include a Destination Tag, enter it in the tag field when you send the XRP. Leaving it out can hold up the deposit. - Send XRP from a wallet you control, such as Xaman, and enter that r-address as the refund address. A refund sent to a shared exchange address without your personal tag may not reach your account. ### Can I swap XRP to USDT BEP20 without KYC? Yes. A standard swap needs no account, email or ID. Enter your BNB Smart Chain address and your XRP refund address, then send the XRP. ### How much of my XRP can I swap? Everything above the reserve. Each XRP Ledger account must keep a base reserve, plus a smaller owner reserve for every trust line, offer or other object it holds, and that part cannot be sent. Your wallet shows the spendable amount, so swap that and leave the rest in place. ## FAQ ### How long does it take to swap XRP to USDT BEP20 on GhostSwap? Most XRP to USDT BEP20 swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the USDT BEP20 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 USDT BEP20? 1 XRP is worth about 1.4007 USDT BEP20 at the market rate, before fees (market prices, 8 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT BEP20 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 Tether (BEP20)? The GhostSwap fee is already included in the rate in the exchange box, so the USDT BEP20 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 USDT BEP20? To receive Tether (BEP20) from your swap, we recommend using Trust Wallet, MetaMask or Rabby. Make sure your wallet supports the BNB Smart Chain (BEP-20) network before starting the exchange. Double-check your USDT BEP20 address before confirming, cryptocurrency transactions cannot be reversed. ### What format is the USDT BEP20 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 USDT BEP20 to an address on another network can lose the coins. ### Can I track my XRP to USDT BEP20 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 USDT BEP20 on BscScan (https://bscscan.com). ### Is it safe to exchange XRP for USDT BEP20 on GhostSwap? GhostSwap is non-custodial: there is no account balance holding your coins. Your XRP deposit is converted and the USDT BEP20 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 USDT BEP20? Converting XRP to Tether (BEP20) 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 USDT BEP20 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: USDT BEP20 to XRP](https://ghostswap.io/exchange/usdtbsc-xrp/) ([Markdown](https://ghostswap.io/exchange/usdtbsc-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)