# XRP to Monero (XRP to XMR): no-KYC swap on GhostSwap

> Send XRP on XRP Ledger and receive Monero (XMR) in your own wallet, with no account and no KYC. Monero hides the sender, receiver and amount of every transfer, so the XMR you receive has no public link to your XRP history. Most XRP to XMR swaps are paid out within 5–15 minutes.

Swap page: https://ghostswap.io/exchange/xrp-xmr/
Updated: 2026-10-08

## At a glance

| | |
|---|---|
| You send | XRP (XRP), XRP Ledger |
| You receive | Monero (XMR) |
| Your XMR address | Monero address that is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets: Feather, Cake Wallet or Monero GUI |
| 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 |
| XMR payout | Sent to your address as soon as the swap completes; Monero confirms it in about 20 minutes (10 confirmations) |
| Typical swap time | 5–15 minutes until your XMR is sent |
| Reference rate | 1 XRP ≈ 0.002506 XMR · 1 XMR ≈ 399.0571 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 |
| Reverse swap | [XMR to XRP](https://ghostswap.io/exchange/xmr-xrp/) |

## How much XMR you get (quoted 8 Oct 2026, 06:52 UTC, after all fees)

| You send | You receive |
|---|---|
| 50 XRP | 0.123313 XMR |
| 500 XRP | 1.2391 XMR |
| 1000 XRP | 2.4787 XMR |

## How to swap XRP to XMR

1. Open https://ghostswap.io/exchange/xrp-xmr/ and enter the amount of XRP to send.
2. Paste the XMR 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 XMR in your wallet and follow the status page with your swap ID.

## XRP to Monero: stepping off the XRP Ledger's open history

XRP to XMR is used by XRP holders who want some of their funds where explorers cannot read them. On the XRP Ledger every payment, balance and trust line can be looked up on explorers such as XRPSCAN, and an account address usually stays the same for years. Monero hides the sender, receiver and amount of each transfer, and GhostSwap swaps between the two with no account.

The XRP Ledger closes a new ledger every few seconds, so the deposit confirms within seconds and the swap itself usually takes 5 to 15 minutes. After the XMR is sent, your Monero wallet shows it as spendable after about 10 confirmations, roughly 20 minutes. If the deposit details show a Destination Tag next to the address, include it in the payment, because it ties the XRP to your swap.

### Tips

- Send XRP from Xaman or a Ledger and enter your r-address as the refund address. Exchange withdrawals come from the exchange's shared accounts, so a refund sent back there may not be credited to you.
- Every XRP account holds back a base reserve, plus a little more for each trust line or open offer, and that XRP cannot be sent. Plan the amount around the spendable balance your wallet shows.
- Monero wallets such as Feather or Cake Wallet show a fresh subaddress (95 characters, starting with 8) on their receive screen; paste that as the payout address.

### Can I convert XRP to Monero without KYC?

Yes. A standard swap asks for no account, email or ID, only your Monero address and the XRP deposit. Check the floating rate first; if the swap cannot complete, the XRP goes back to the r-address you entered as the refund address.

### Does the Monero side need a tag or payment ID?

No. Unlike XRP deposits, a Monero payout to your own wallet needs no tag or payment ID. Paste a standard address or a subaddress; an integrated address is accepted too.

## FAQ

### How long does it take to swap XRP to XMR on GhostSwap?

Most XRP to XMR swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the XMR is sent to your wallet, and Monero confirms the payout in about 20 minutes (10 confirmations). Busy networks can add a few minutes.

### How much XMR do I get for 1,000 XRP?

At 8 Oct 2026, 06:52 UTC, 1,000 XRP swapped to about 2.4787 XMR on GhostSwap, after the service fee and the XMR network fee. The rate floats with the market, so the exchange box shows the exact live amount before you send.

### What are the fees for converting XRP to Monero?

The GhostSwap fee is already included in the rate in the exchange box, so the XMR 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 XMR?

To receive Monero from your swap, we recommend using Feather, Cake Wallet or Monero GUI. MetaMask and other Ethereum wallets do not support Monero. Make sure your wallet supports the Monero network before starting the exchange. Double-check your XMR address before confirming, cryptocurrency transactions cannot be reversed.

### What format is the XMR address?

Use a Monero address: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Copy it from your wallet and paste it; never type it by hand.

### Can I track my XRP to XMR 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).

### Is it safe to exchange XRP for XMR on GhostSwap?

GhostSwap is non-custodial: there is no account balance holding your coins. Your XRP deposit is converted and the XMR is sent straight to the Monero address you enter, so check that address twice, Monero transfers cannot be reversed.

### Can my XRP to XMR swap be traced?

Your XRP transaction to GhostSwap is visible on the XRP Ledger blockchain since XRP is transparent: all transactions publicly visible on the XRP Ledger. However, once your XMR arrives in your wallet, Monero is private by default: ring signatures, stealth addresses and RingCT hide the sender, the receiver and the amount of every transaction. By swapping XRP to XMR on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together.

### How does a cross-chain XRP to XMR swap work?

XRP lives on XRP Ledger and Monero on Monero, two separate blockchains. Instead of a bridge, GhostSwap takes your XRP on XRP Ledger and pays native XMR on Monero, so you never hold a wrapped token or pay bridge fees.

### What happens if my XRP to XMR 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: XMR to XRP](https://ghostswap.io/exchange/xmr-xrp/) ([Markdown](https://ghostswap.io/exchange/xmr-xrp.md))
- [No-KYC Monero exchange: all routes, minimums and times](https://ghostswap.io/monero-exchange/) ([Markdown](https://ghostswap.io/monero-exchange.md))
- [No-KYC Monero exchanges compared](https://ghostswap.io/no-kyc-monero-exchanges/)
- [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)