XRP to USDT BEP20: Exchange XRP for Tether (BEP20) Without KYC

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.

  • 5–15 min
  • No account · No KYC
  • Non-custodial
  • Fees included in quote
Crypto Exchange
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XRP
XRP
USDT (BEP20)
USDT (BEP20)


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

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XRP Logo
XRP
XRP
Price:
$1.41
24h Change:
-4.08%
Market Cap:
$88.89B
Volume (24h):
$2.50B
Circulating Supply:
63.09B XRP
Tether Binance Smart Chain Logo
USDT (BEP20)
Tether (USDT) on BNB Smart Chain
Price:
$0.9994
24h Change:
-0.04%
Market Cap:
$183.98B
Volume (24h):
$71.75B
Circulating Supply:
184.09B USDT (BEP20)

Data by CoinGecko

XRP to USDT (BEP20) Exchange Rate

1 XRP = 1.4108 USDT (BEP20)

The 1 XRP to Tether (USDT) on BNB Smart Chain 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 USDT BEP20 swap at a glance

Everything that is specific to swapping XRP to Tether on GhostSwap.

XRPYou send · XRP Ledger network
Tether (USDT BEP20)You receive · BEP-20 token on BNB Smart Chain

Swapping into USDT BEP20 locks in a dollar value without selling on a centralized exchange. It is a cross-chain swap from XRP Ledger to BNB Smart Chain, with no bridge and no wrapped tokens.

Swap time
5–15 minuntil your USDT BEP20 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 · USDT BEP20 on BscScan
Your USDT BEP20 address
BNB Smart Chain addressIt starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum). Wallets: Trust Wallet, MetaMask or Rabby.
Reference rate
1 XRP ≈ 1.4108 USDT BEP201 USDT BEP20 ≈ 0.708799 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.
  1. Send XRPA few seconds to confirm on XRP Ledger
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive USDT BEP20Sent to your address; BNB Smart Chain confirms in under a minute
Facts checked 8 Oct 2026Reverse: USDT BEP20 to XRP

How much USDT BEP20 do you get for XRP?

GhostSwap quotes at 8 Oct 2026, 08:15 UTC. What lands in your wallet: service fee and USDT BEP20 network fee already deducted.

Fees included
50XRP
69.5282USDT BEP20
1,000XRP
1,391.53USDT BEP20

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 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 for this swap

  • 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.

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

Going the other way? Swap USDT BEP20 to XRP

Other ways to get Tether (BEP20) (USDT BEP20)

BTC to USDT BEP20ETH to USDT BEP20USDT to USDT BEP20USDT TRC20 to USDT BEP20USDC to USDT BEP20SOL to USDT BEP20LTC to USDT BEP20XMR to USDT BEP20ZEC to USDT BEP20BNB to USDT BEP20DOGE to USDT BEP20TRX to USDT BEP20XTZ to USDT BEP20ZRX to USDT BEP20

More XRP swaps

XRP to BNBXRP to SOLXRP to USDT TRC20XRP to LTCXRP to BTCXRP to XLMXRP to FILXRP to LINKXRP to CROXRP to ZECXRP to USDT PolygonXRP to USDT SOL

XRP to USDT BEP20 Live Price Chart

XRP/USDT (BEP20)

Loading chart...

Reference market prices, updated live

XRP

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.

USDTBSC

What is Tether (USDT) on BNB Smart Chain?

Tether (USDT (BEP20)) is the Tether stablecoin operating on the Binance Smart Chain (BSC). Pegged 1:1 to the U.S. Dollar, USDT on BSC offers faster transaction times and lower fees compared to Ethereum. It provides a stable medium of exchange within the BSC DeFi ecosystem.

XRP → USDTBSC

Why Swap XRP for USDT BEP20?

Swapping XRP to Tether (USDT) on BNB Smart Chain with GhostSwap moves your funds into a dollar-pegged stablecoin, all without KYC, account creation, or using a centralized exchange.

A dollar-pegged balance

Tether (USDT) on BNB Smart Chain 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 USDT (BEP20) is in your own wallet.

Skip the centralized exchange

No exchange deposit or withdrawal delays and no KYC requirements. GhostSwap converts XRP to USDT (BEP20) directly.

No identity verification needed

Your XRP to Tether (USDT) on BNB Smart Chain conversion requires no account, no ID upload, and no personal information. Swap privately, wallet to wallet.

Exchange XRP for USDT (BEP20) on GhostSwap. Most swaps are paid out within 5–15 minutes after you send your XRP.

XRP

Convert XRP to Tether (USDT) on BNB Smart Chain

XRPUSDT (BEP20) at market price
25XRP35.2709USDT (BEP20)
50XRP70.5418USDT (BEP20)
250XRP352.7092USDT (BEP20)
500XRP705.4183USDT (BEP20)
5,000XRP7,054.18USDT (BEP20)

At market prices of $1.4100 per XRP and $0.999407 per USDT (BEP20) (8 Oct 2026), 250 XRP is worth about 352.7092 USDT (BEP20). Your exact amount, after network fees, is shown in the exchange box before you send.

USDTBSC

Convert Tether (USDT) on BNB Smart Chain to XRP

USDT (BEP20)XRP at market price
31USDT (BEP20)21.9728XRP
50USDT (BEP20)35.4400XRP
100USDT (BEP20)70.8799XRP
250USDT (BEP20)177.1998XRP
500USDT (BEP20)354.3996XRP
1,000USDT (BEP20)708.7993XRP
5,000USDT (BEP20)3,544.00XRP
10,000USDT (BEP20)7,087.99XRP

Going the other way, 500 USDT (BEP20) is worth about 354.3996 XRP at the same prices.

How to Exchange XRP to Tether (BEP20)

Line Vector
Select Crypto Currency

Select XRP and USDT BEP20

Pick XRP in “You send” and USDT BEP20 in “You get”, then enter the amount. The box shows how much USDT BEP20 you get and the minimum XRP for this pair.

Select Wallet Address
Line Vector

Enter Tether (BEP20) Address

Paste the BNB Smart Chain address that should receive the USDT BEP20 (it starts with 0x followed by 40 hexadecimal characters (the same format as Ethereum)). Then enter the XRP Ledger address you send XRP from; a refund, if ever needed, goes there.

Sent Crypto Currency
Line Vector

Send XRP

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

Receive Crypto

Receive Tether (BEP20)

Your USDT BEP20 is usually paid out 5–15 minutes after you send your XRP, and BNB Smart Chain then confirms it in under a minute. Follow each step on the status page with your swap ID.

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XRP to USDT BEP20: questions and answers

Everything you need to know about exchanging XRP to USDT (BEP20) on GhostSwap.

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 1.4108 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.

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