XRP to XMR: Exchange XRP for Monero Without KYC
Exchange XRP to XMR: 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.
Updated 26 October 2026
- 5–15 min
- No account · No KYC
- Paid to your wallet
- Fees included in quote
By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.
Data by CoinGecko
XRP to XMR Exchange Rate
The 1 XRP to Monero reference rate at market prices, before fees.
XRP to XMR swap at a glance
Send XRP from Xaman or a Ledger.
It is a cross-chain swap from XRP Ledger to Monero, with no bridge and no wrapped tokens.
- Send XRPA few seconds to confirm on XRP Ledger
- GhostSwap swaps itAt the floating rate, fees already in the quote
- Receive XMRSent to your address; Monero confirms in about 20 minutes (10 confirmations)
How much XMR do I get for XRP?
GhostSwap quotes at 1 Nov 2026, 14:44 UTC, after the service fee and the cost of sending the XMR to your wallet.
100XRP500XRP2,500XRPThe rate floats with the market until your XRP deposit confirms.
XRP to XMR at the market rate, before fees
| XRP | XMR, market rate, before fees |
|---|---|
| 24 XRP | 0.049932 XMR |
| 25 XRP | 0.052012 XMR |
| 50 XRP | 0.104024 XMR |
| 100 XRP | 0.208049 XMR |
| 250 XRP | 0.520122 XMR |
| 500 XRP | 1.0402 XMR |
| 1,000 XRP | 2.0805 XMR |
| 5,000 XRP | 10.4024 XMR |
| 10,000 XRP | 20.8049 XMR |
Market prices of $1.2500 per XRP and $600.8200 per XMR on 1 Nov 2026. The box above shows the amount after all fees.
XRP to XMR price chart, market rate before fees
XRP/XMR
How do I exchange XRP to XMR?
Pick XRP and XMR
Pick XRP in “You send” and XMR in “You get”, then enter the amount. The box shows how much XMR you get after all fees, and the minimum for this pair.
Paste your Monero address
Paste the Monero address that should receive the XMR: it is 95 characters and starts with 4 (standard) or 8 (subaddress). Wallets that work: Feather, Cake Wallet or Monero GUI. Then enter the XRP Ledger address you send XRP from; a refund, if ever needed, goes there.
Send XRP on XRP Ledger
Send exactly the amount shown from your own XRP Ledger wallet to the one-time deposit address, on the XRP Ledger network.
Receive XMR
Your XMR is usually paid out 5–15 minutes after you send your XRP, and Monero then confirms it in about 20 minutes (10 confirmations). Follow each step on 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 for this swap
- 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.
Common mistakes with XRP to XMR
- Sending from an exchange account, so the sender address isn't yours and a refund can't reach you.
- A Monero address typed by hand (it is 95 characters): copy and paste it.
XRP to XMR: questions and answers
What is XRP? XRP is the native cryptocurrency of the XRP Ledger, an open-source blockchain designed for fast, low-cost cross-border payments.
What is Monero? Monero (XMR) is the leading privacy cryptocurrency and hides the sender, receiver and amount of every transaction by default. Monero price today