XRP to ZEC: Exchange XRP for Zcash Without KYC

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.

5–15 min
No account · No KYC
Non-custodial
Fees included in quote

You Send

XRP

You Get

ZEC

Recipient Wallet

Sender Address

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

By clicking Confirm exchange, you agree to the Privacy Policy & Terms of Service.

XRP

Price:

$1.40

24h Change:

0.54%

Market Cap:

$88.28B

Volume (24h):

$1.32B

Circulating Supply:

63.13B XRP

ZEC

Zcash

Price:

$1,301.43

24h Change:

5.37%

Market Cap:

$22.10B

Volume (24h):

$993.04M

Circulating Supply:

16.98M ZEC

Data by CoinGecko

XRP to ZEC Exchange Rate

1 XRP = 0.001076 ZEC

The 1 XRP to Zcash reference rate at market prices, before fees.

Live market rate

XRP to ZEC swap at a glance

Send XRP from Xaman or a Ledger.

XRPYou send · XRP Ledger network

Zcash (ZEC)You receive · Zcash network

It is a cross-chain swap from XRP Ledger to Zcash, with no bridge and no wrapped tokens.

Swap time

5–15 minuntil your ZEC 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 · ZEC on Blockchair

Your ZEC address

Zcash addressIt starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo.

Reference rate

1 XRP ≈ 0.001076 ZEC1 ZEC ≈ 929.5929 XRP · market prices, 12 Oct 2026

Minimum

About 22 XRP

Deposit Destination Tag

Include it if shownCopy the Destination Tag from the deposit screen exactly.

Send XRPA few seconds to confirm on XRP Ledger
GhostSwap swaps itAt the floating rate, fees already in the quote
Receive ZECSent to your address; Zcash confirms in about 10–20 minutes

Facts checked 12 Oct 2026Reverse: ZEC to XRP

How much ZEC do you get for XRP?

GhostSwap quotes at 12 Oct 2026, 11:42 UTC, after the service fee and the cost of sending the ZEC to your wallet.

Fees included

50XRP

0.053068ZEC

500XRP

0.531352ZEC

1,000XRP

1.0627ZEC

The rate floats with the market until your XRP deposit confirms.

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 for this swap

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.

No-KYC Zcash exchange

XRP to ZEC Live Price Chart

XRP/ZEC

Loading chart...

Reference market prices, updated live

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.

What is Zcash?

Zcash (ZEC) is a privacy-focused cryptocurrency that pioneered the use of zero-knowledge proofs (zk-SNARKs) in blockchain technology. Unlike Monero where privacy is mandatory, Zcash gives users the choice between transparent transactions (publicly visible, like Bitcoin) and shielded transactions (fully private — hiding sender, receiver, and amount). This flexibility lets Zcash users choose a shielded transfer when they want privacy and a transparent one when they do not. ZEC has been instrumental in advancing cryptographic research that now underpins many Layer 2 scaling solutions.

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Why Swap XRP for ZEC?

Swapping XRP to Zcash on GhostSwap moves your funds into a privacy coin without KYC or account creation. XRP is transparent: all transactions publicly visible on the XRP Ledger.

Shield your financial activity

Zcash privacy is optional: it supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. Use the private option in your wallet to keep balances and payments out of public view.

No account linking the two coins

Your XRP history stays public on the XRP Ledger blockchain. The ZEC arrives at your transparent Zcash address, and your wallet can then move it into the shielded pool, where amounts and addresses are hidden. A no-KYC swap adds no account or ID linking the two.

Low fees on the Zcash network

Zcash fees are minimal, making ZEC practical for regular private transactions, not just large transfers.

Convert XRP to Zcash

XRP	ZEC at market price
25XRP	0.026893ZEC
50XRP	0.053787ZEC
250XRP	0.268935ZEC
500XRP	0.537870ZEC
5,000XRP	5.3787ZEC

At market prices of $1.4000 per XRP and $1,301.43 per ZEC (12 Oct 2026), 250 XRP is worth about 0.268935 ZEC.

Convert Zcash to XRP

ZEC	XRP at market price
0.02ZEC	18.5919XRP
0.05ZEC	46.4796XRP
0.1ZEC	92.9593XRP
0.2ZEC	185.9186XRP
0.5ZEC	464.7964XRP
1ZEC	929.5929XRP
5ZEC	4,647.96XRP
10ZEC	9,295.93XRP

Going the other way, 0.5 ZEC is worth about 464.7964 XRP at the same prices.

How to Exchange XRP to Zcash

Select XRP and ZEC

Pick XRP in “You send” and ZEC in “You get”, then enter the amount.

Enter Zcash Address

Paste the Zcash address that should receive the ZEC. Then enter the XRP Ledger address you send XRP from; a refund, if ever needed, goes there.

Send XRP

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

Receive Zcash

Your ZEC arrives on Zcash. Follow each step on the status page with your swap ID.

Popular swap pairs

Step-by-step guides for the main Monero and Zcash swaps and for other XRP and ZEC pairs.

XRP to ZEC: questions and answers

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 0.001076 ZEC at the market rate, before fees (market prices, 12 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.