# XRP to Zcash (XRP to ZEC): no-KYC swap on GhostSwap > Send XRP on XRP Ledger and receive Zcash (ZEC) in your own wallet, with no account and no KYC. Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address. Most XRP to ZEC swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xrp-zec/ Updated: 2026-10-07 ## At a glance | | | |---|---| | You send | XRP (XRP), XRP Ledger | | You receive | Zcash (ZEC) | | Your ZEC address | Zcash address that starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo | | 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 | | ZEC payout | Sent to your address as soon as the swap completes; Zcash confirms it in about 10–20 minutes | | Typical swap time | 5–15 minutes until your ZEC is sent | | Reference rate | 1 XRP ≈ 0.001131 ZEC · 1 ZEC ≈ 883.8214 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; ZEC on Blockchair | | Reverse swap | [ZEC to XRP](https://ghostswap.io/exchange/zec-xrp/) | ## How much ZEC you get (quoted 7 Oct 2026, 19:31 UTC, after all fees) | You send | You receive | |---|---| | 50 XRP | 0.052326 ZEC | | 250 XRP | 0.261948 ZEC | | 1000 XRP | 1.0480 ZEC | ## How to swap XRP to ZEC 1. Open https://ghostswap.io/exchange/xrp-zec/ and enter the amount of XRP to send. 2. Paste the ZEC 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 ZEC in your wallet and follow the status page with your swap ID. ## Leaving the public XRP Ledger: XRP to Zcash This pair swaps XRP into Zcash. On the XRP Ledger every account, balance and payment is public and easy to follow on XRPSCAN or Bithomp. ZEC held at a shielded Zcash address is different: zero-knowledge proofs hide who paid whom and how much. XRP holders use the pair to move part of a balance somewhere it can be kept private, with no account. XRP payments settle in a few seconds, so the deposit is usually credited within a minute or two and most swaps send the ZEC within 5 to 15 minutes. If the deposit screen gives a destination tag with the address, include it in your XRP payment, or the deposit may not be matched to your swap. ### Tips - Your XRP account keeps a base reserve that cannot be sent. Swap the spendable amount your wallet shows. - Send from your own Xaman or Ledger account and enter that r address as the refund address. An exchange account would need its own destination tag for a refund to reach you. - The ZEC is paid to a t1 or t3 address. Move it to your shielded address once it has confirmed. ### Do I need an account to swap XRP for Zcash? No. An XRP to ZEC swap has no account, email or ID check. Enter a t1 or t3 Zcash address for the payout and your r address for refunds, check the floating rate and send the XRP. ### Can I send the XRP straight from an exchange? You can, but the payment then usually comes from the exchange's shared address. Enter your own r address as the refund address so a returned deposit reaches you, and include the deposit tag if one is shown. ## FAQ ### How long does it take to swap XRP to ZEC on GhostSwap? Most XRP to ZEC swaps are paid out within 5–15 minutes: the XRP deposit needs a few seconds to confirm on XRP Ledger, then the ZEC is sent to your wallet, and Zcash confirms the payout in about 10–20 minutes. ### How much is 1 XRP in ZEC? 1 XRP is worth about 0.001131 ZEC 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 ZEC 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. ### Do I need KYC or an account to exchange XRP to ZEC? No. GhostSwap has no accounts: you paste the Zcash address that should receive the ZEC, send XRP from your own wallet, and the ZEC goes straight to that address. No email, phone number or ID upload. ### What wallet and address do I need to receive ZEC? Use a Zcash address from a wallet you control, such as Zodl (formerly Zashi), Zkool or Zingo. All three can move ZEC into the shielded pool. The address starts with t1 or t3 for a transparent address. GhostSwap never holds your funds: the ZEC is sent straight to the address you enter. ### Can my XRP to ZEC 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 ZEC arrives in your wallet, Zcash privacy is optional: it supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. By swapping XRP to ZEC on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together. ### Is it legal to own and swap Zcash? In most countries, yes: owning and swapping Zcash is not banned, although some centralized exchanges have stopped listing privacy coins in certain regions. Privacy is a legitimate need, and using privacy-enhancing tools is not illegal in itself. You are responsible for following the cryptocurrency rules where you live. ### What happens if my XRP to ZEC 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: ZEC to XRP](https://ghostswap.io/exchange/zec-xrp/) ([Markdown](https://ghostswap.io/exchange/zec-xrp.md)) - [No-KYC Zcash exchange: all routes, minimums and times](https://ghostswap.io/zcash-exchange/) ([Markdown](https://ghostswap.io/zcash-exchange.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)