# XRP to USDT TRC20: XRP to Tether (TRC20): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive Tether (USDT TRC20, a TRC-20 token on Tron) in your own wallet, with no account and no KYC. Swapping into USDT TRC20 locks in a dollar value without selling on a centralized exchange. Most XRP to USDT TRC20 swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-usdtrx/ Updated: 2026-10-11 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | Tether (USDT TRC20), TRC-20 token on Tron | | Your USDT TRC20 address | Tron address that starts with T and is 34 characters long. Wallets: TronLink or Trust Wallet | | 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 TRC20 payout | Sent to your address as soon as the swap completes; Tron confirms it in about a minute | | Typical swap time | 5–15 minutes until your USDT TRC20 is sent | | Reference rate | 1 XRP ≈ 1.3912 USDT TRC20 · 1 USDT TRC20 ≈ 0.718783 XRP (market prices, 11 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 TRC20 on Tronscan | | Reverse swap | [USDT TRC20 to XRP](https://ghostswap.io/exchange/usdtrx-xrp/) | ## How much USDT TRC20 you get (quoted 11 Oct 2026, 10:31 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 67.8924 USDT TRC20 | | 500 XRP | 685.4469 USDT TRC20 | | 1000 XRP | 1,371.62 USDT TRC20 | ## How to swap XRP to USDT TRC20 1. Open https://ghostswap.io/exchange/xrp-usdtrx/ and enter the amount of XRP to send. 2. Paste the USDT TRC20 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 TRC20 in your wallet and follow the status page with your swap ID. ## XRP to Tether on Tron: destination tags in, energy fees later XRP to USDT TRC20 converts XRP into Tether on Tron, where TRC-20 USDT is widely used for remittances, exchange deposits and peer-to-peer trades. It suits people who want a stable dollar balance they can send on cheaply to exchanges, merchants or other Tron users. GhostSwap pays the USDT to your T address, with no account. The XRP Ledger settles the deposit in seconds and Tron produces a block every 3 seconds, so most swaps finish in 5 to 15 minutes. Receiving USDT on Tron costs you nothing, but sending it later uses energy. A wallet with no staked or rented energy burns TRX instead, so plan to keep some TRX on that address. ### Tips - Copy your 34-character T address from TronLink, Trust Wallet or a Ledger; the USDT is paid there as a TRC-20 token. - Want USDT on Ethereum or BNB Smart Chain instead? Those are separate receive coins in the exchange box with 0x addresses; this pair pays only on Tron. - Send the XRP from your own wallet, include the Destination Tag if the deposit details show one, and enter that r-address as the refund address. ### Can I swap XRP to USDT TRC20 without KYC? Yes. A standard swap of XRP for Tron USDT asks for no account, email or ID. Paste your T address, check the floating rate shown and send the XRP, including the Destination Tag if one is given. ### What happens if I forget the Destination Tag? If the deposit account requires a tag, the XRP Ledger rejects the payment, and only the tiny network fee leaves your wallet. Otherwise the XRP may arrive without being matched to your swap; in that case contact support@ghostswap.io with the transaction hash. ## FAQ ### How long does it take to swap XRP to USDT TRC20 on GhostSwap? Most XRP to USDT TRC20 swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the USDT TRC20 is sent to your wallet, and Tron confirms the payout in about a minute. ### How much is 1 XRP in USDT TRC20? 1 XRP is worth about 1.3912 USDT TRC20 at the market rate, before fees (market prices, 11 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the USDT TRC20 network fee. The minimum for this pair is about 22 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. ### Can I send XRP straight to my USDT TRC20 address? No. XRP moves on XRP Ledger and USDT TRC20 on Tron, so XRP can only be sent to an XRP Ledger address. To swap, send the XRP to the one-time deposit address GhostSwap shows, and the USDT TRC20 is paid to the Tron address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive USDT TRC20? Use a Tron address from a wallet you control, such as TronLink or Trust Wallet. The address starts with T and is 34 characters long. Sending USDT TRC20 to an address on another network can lose the coins. GhostSwap never holds your funds: the USDT TRC20 is sent straight to the address you enter. ### Which USDT network does this XRP to USDT TRC20 swap use? The USDT TRC20 you receive is a TRC-20 token on Tron, paid to a Tron address; moving it later costs Tron network fees in TRX. The same swap on other networks: [XRP to USDT](https://ghostswap.io/exchange/xrp-usdt20/), [XRP to USDT BEP20](https://ghostswap.io/exchange/xrp-usdtbsc/), [XRP to USDT SOL](https://ghostswap.io/exchange/xrp-usdtsol/), [XRP to USDT Polygon](https://ghostswap.io/exchange/xrp-usdtpolygon/). ### What happens if my XRP to USDT TRC20 exchange fails? If a swap cannot be completed, the XRP is refunded to the XRP Ledger address you entered as the sender address. ## Related - [Reverse: USDT TRC20 to XRP](https://ghostswap.io/exchange/usdtrx-xrp/) ([Markdown](https://ghostswap.io/exchange/usdtrx-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)