# Tezos to XRP (XTZ to XRP) — no-KYC swap on GhostSwap > Send Tezos (XTZ) and receive XRP on XRP Ledger in your own wallet, with no account and no KYC. It is a cross-chain swap from Tezos to XRP Ledger, with no bridge and no wrapped tokens. Most XTZ to XRP swaps are paid out within 5–15 minutes. Swap page: https://ghostswap.io/exchange/xtz-xrp/ Updated: 2026-10-02 ## At a glance | | | |---|---| | You send | Tezos (XTZ) | | You receive | XRP (XRP), XRP Ledger | | Your XRP address | XRP Ledger address that starts with r. Wallets: Xaman or a Ledger | | Destination Tag | Only needed when the XRP goes to an exchange account that gives you one. Personal wallets leave it empty. | | Deposit network fee | Paid in XTZ by your wallet | | Deposit confirmation | A few minutes on Tezos | | XRP payout | Sent to your address as soon as the swap completes; XRP Ledger confirms it in a few seconds | | Typical swap time | 5–15 minutes until your XRP is sent | | Reference rate | 1 XTZ ≈ 0.210799 XRP · 1 XRP ≈ 4.7439 XTZ (market prices, 2 Oct 2026) | | Limits | Minimum about 97 XTZ. The exact minimum and maximum XTZ 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; XTZ on TzKT; XRP on XRPSCAN | | Reverse swap | [XRP to XTZ](https://ghostswap.io/exchange/xrp-xtz/) | ## How much XRP you get (quoted 2 Oct 2026, 20:20 UTC, after all fees) | You send | You receive | |---|---| | 250 XTZ | 51.6937 XRP | | 2500 XTZ | 516.9377 XRP | | 5000 XTZ | 1,033.59 XRP | ## How to swap XTZ to XRP 1. Open https://ghostswap.io/exchange/xtz-xrp/ and enter the amount of XTZ to send. 2. Paste the XRP address that should receive the coins (and a Destination Tag only if that address needs one). 3. Enter the XTZ address you are sending from, then confirm. 4. Send the XTZ to the one-time deposit address shown. 5. Receive XRP in your wallet and follow the status page with your swap ID. ## Tezos to XRP: tags, reserves and timing XTZ to XRP swaps Tezos into XRP, the coin of the XRP Ledger, which is used for fast payments and for moving value between wallets and exchanges. People make this switch to send funds quickly across borders or to fund an XRP wallet. The XRP is paid to the r-address you enter. The XTZ deposit is usually confirmed in a few minutes, and XRP ledgers close every few seconds, so the payout settles quickly once sent. A brand-new XRP address is activated by the first payment that covers the network reserve, and from then on that reserve stays locked in the account. ### Tips - XRP addresses start with r. Copy yours from Xaman or a Ledger. - Exchange deposit addresses for XRP are shared, so they come with a Destination Tag. Copy it into the tag field; leave the field blank for your own wallet. - If your XTZ sits on an exchange, withdraw it to your own Temple, Kukai or Ledger wallet first. Send from there and enter that tz address for refunds. ### Is KYC needed to swap Tezos to XRP? No. Standard swaps need no account, email or ID. Paste your XRP address, add a Destination Tag only if the address belongs to an exchange, and send the XTZ. ### Why does my new XRP wallet show less than I received? The XRP Ledger requires every account to hold a minimum balance, the reserve, and many wallets show that part as locked. It is not lost; it stays in your account for as long as the account exists. ## FAQ ### How long does it take to swap XTZ to XRP on GhostSwap? Most XTZ to XRP swaps are paid out within 5–15 minutes: the XTZ deposit needs a few minutes to confirm on Tezos, then the XRP is sent to your wallet, and XRP Ledger confirms the payout in a few seconds. ### How much is 1 XTZ in XRP? 1 XTZ is worth about 0.210799 XRP at the market rate, before fees (market prices, 2 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the XRP network fee. The minimum for this pair is about 97 XTZ. The Tezos network fee for sending the XTZ is paid separately, in XTZ. The rate floats with the market until your XTZ deposit confirms. ### Can I send XTZ straight to my XRP address? No. XTZ moves on Tezos and XRP on XRP Ledger, so XTZ can only be sent to a Tezos address. To swap, send the XTZ to the one-time deposit address GhostSwap shows, and the XRP is paid to the XRP Ledger address you enter, with no bridge or wrapped token. ### What wallet and address do I need to receive XRP? Use an XRP Ledger address from a wallet you control, such as Xaman or a Ledger. A new XRP address only becomes active once it holds the small network reserve (1 XRP since December 2024). The address starts with r. A Destination Tag is only needed if the XRP goes to an exchange or custodial account that gave you one; a personal wallet does not need one. GhostSwap never holds your funds: the XRP is sent straight to the address you enter. ### What happens if my XTZ to XRP exchange fails? If a swap cannot be completed, the XTZ is refunded to the Tezos address you entered as the sender address. ## Related - [Reverse: XRP to XTZ](https://ghostswap.io/exchange/xrp-xtz/) ([Markdown](https://ghostswap.io/exchange/xrp-xtz.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)