XRP Exchange: Swap XRP With No KYC or Account

You Send

BTC

You Get

XRP

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.

Live XRP rates

BTC → XRP Min 0.00047 BTC 1 BTC ≈ 66,419.06 XRP

ETH → XRP Min 0.017 ETH 1 ETH ≈ 1,862.82 XRP

USDT (TRC20) → XRP Min 31 USDT 100 USDT ≈ 101.79 XRP

Rates from GhostSwap quotes, service fee included, as of 15 Nov 2026, 22:32 UTC. Floating rate: the final amount is set when your deposit confirms.

How it works

Choose what you send and XRP as what you get, or send XRP to swap it out; the quote already includes every fee.
Paste the address that should receive the coins: an r-address for XRP, plus a Destination Tag only if it belongs to an exchange account.
Send the deposit to the one-time address from a wallet you control, with the Destination Tag if the deposit details show one.
Receive the coins and follow each step on the status page.

On this page

How it works
XRP swaps at a glance
Popular XRP pairs
XRP, Ripple and the XRP Ledger
Your XRP address and the Destination Tag
Sending XRP: include the tag if one is shown
The base reserve: why you can't send every last XRP
XRP on the XRP Ledger or the BEP-20 version?
Moving XRP into Monero
XRP to USDT and back
Swapping a large XRP amount
All XRP pairs
Where to buy XRP
XRP facts before you swap
XRP exchange FAQ

Most swaps finish within minutes. The exact time depends on how fast each network confirms your deposit.

XRP swaps at a glance

Account or KYC	None for standard swaps
Custody	No stored balance: the coins go straight to your own wallet
Fees	In the quote, plus your wallet's network fee (a tiny amount of XRP on the XRP Ledger)
Rate	Floating, from aggregated liquidity from leading crypto markets
Network	XRP Ledger (native XRP); a BEP-20 version is listed separately
Address	Starts with r; a Destination Tag only for exchange accounts
Minimum	About 32 XRP when you send XRP (15 Nov 2026); the box shows the exact limits
Reserve	Every XRP account keeps a base reserve (currently 1 XRP) that can't be sent
Wallets	Xaman or Trust Wallet, alone or with a Ledger or Trezor
Tracking	Status page, and XRPSCAN for the XRP side
Swap time	Most swaps finish within minutes. The exact time depends on how fast each network confirms your deposit.

Popular XRP pairs

Buy XRP

Sell XRP

XRP, Ripple and the XRP Ledger

XRP is the native coin of the XRP Ledger, a public blockchain that has run since 2012. Ripple is a company that builds payment products on the ledger and holds a large share of XRP, but it doesn’t run the network on its own: independent validators agree on every ledger. When people search for a Ripple exchange or a Ripple swap, XRP is the coin they mean, and it’s the coin you send and receive here.

Your XRP address and the Destination Tag

An XRP Ledger address starts with a lowercase r and is 25 to 35 characters long, so copy and paste it. Exchanges often keep all their customers’ XRP in one shared address and tell deposits apart by a number called the Destination Tag. If the XRP you buy goes to your own wallet, such as Xaman or Trust Wallet, leave the tag field empty. If it goes to an exchange account, copy both the address and the tag from that exchange’s deposit page; without the tag, the exchange can’t tell the payment is yours.

Sending XRP: include the tag if one is shown

When you swap XRP out, look at the deposit details. If a Destination Tag is shown next to the deposit address, copy that number exactly into the tag or memo field of your wallet before you sign; leaving it out can stop the deposit from being matched to your swap. If no tag is shown, send to the address alone. Sending from an exchange account works too: pick the XRP Ledger as the network and fill in the tag field there.

The base reserve: why you can't send every last XRP

An XRP Ledger account only exists once it holds the base reserve, currently 1 XRP, and that amount stays locked for as long as the account exists. Each trust line or open offer locks a little more, currently 0.2 XRP each. When you buy XRP into a brand-new r-address, the first payment activates it, and the smallest swap is far above the reserve, so a fresh wallet works. When you swap XRP out, send the spendable balance your wallet shows; removing trust lines you no longer use frees their share.

XRP on the XRP Ledger or the BEP-20 version?

The swap box lists two XRP entries. Native XRP lives on the XRP Ledger, uses an r-address and can carry a Destination Tag. The other entry, Ripple BSC, is a BEP-20 token on BNB Smart Chain with a 0x address and no tag. Pick plain XRP unless you want the BNB Chain token on purpose, and check the network label before you paste an address.

Moving XRP into Monero

Every XRP payment is public: anyone can look up an r-address on XRPSCAN and see its balance, history and tags. People who want part of their holdings out of public view swap XRP to Monero, which hides addresses and amounts by default. XRP to XMR does it in one step, and the Monero exchange lists every XMR route. The way back is XMR to XRP.

XRP to USDT and back

Many XRP holders move gains into a stablecoin and buy back later. XRP to USDT TRC20 pays out on Tron, where USDT is cheap to move around afterwards, and XRP to USDT ERC20 pays out on Ethereum. The way back is USDT TRC20 to XRP. The XRP Ledger settles in seconds, so most of the wait is on the other network.

Swapping a large XRP amount

A large XRP swap works the same way as a small one, at the same fee. Each pair has its own maximum, which moves with the market, and the exchange box shows it before you send. Check it right before you start, send a small test swap first if this is your first time, and send the deposit from your own wallet in one transaction. Above the maximum, create a new swap for each part. Large swaps shows today’s limits and what to check, and support answers questions by email at support@ghostswap.io.

All XRP pairs

Every XRP pair page on GhostSwap, each with a live quote and the current minimum. Any other supported coin can be picked in the swap box.

Swap to XRP (38 pairs)

Swap XRP to another coin (38 pairs)

Where to buy XRP

Option	Account and ID	Where your XRP ends up	Good for
Centralized exchange	Account; ID check is usual	On the exchange until you withdraw	Buying with a bank card or bank transfer
Instant swap (GhostSwap)	None for standard swaps	Your own wallet, directly	Turning crypto you already hold into XRP
Card on-ramp via Buy crypto	The provider's own checks	Your wallet	Starting from cash

If you already hold Bitcoin, USDT or Ethereum, a swap is the shortest route to XRP: one deposit, and the coins land in your own r-address.

XRP facts before you swap

XRP Ledger: a public blockchain running since 2012. Validators agree on each ledger through a consensus protocol, with no mining and no staking.
A new ledger closes every 3 to 5 seconds, so XRP payments settle in seconds.
All 100 billion XRP were created at launch; no new XRP can be made.
Each transaction burns a tiny fee, usually 0.00001 XRP, so the supply slowly shrinks.
Every account keeps a base reserve, currently 1 XRP, plus 0.2 XRP for each trust line or offer.
Wallets: Xaman or Trust Wallet, with a Ledger or Trezor for larger amounts.
Explorers: XRPSCAN and Bithomp.

Step by step and background: how to buy XRP, XRP price prediction, XRP vs Bitcoin and XRP vs Ethereum.

XRP exchange FAQ

Can I exchange XRP without KYC?

Yes. GhostSwap has no accounts: choose the coins, paste the receiving address and send the deposit. Standard swaps need no email, phone number or ID, and the coins are paid straight to your own wallet.

What exchanges sell XRP?

Most large centralized exchanges list XRP, but they need an account, usually with an ID check, and they hold your coins until you withdraw. On GhostSwap you swap crypto you already hold into XRP with no account, and the XRP goes straight to your wallet. To start from cash, you can buy with a card through an on-ramp provider.

Do I need a Destination Tag to receive XRP?

Only if the XRP goes to an exchange or another shared account that gave you a tag. For your own wallet, such as Xaman or Trust Wallet, leave the field empty.

Do I need a Destination Tag to send XRP for a swap?

Include it if the deposit details show one, and copy it exactly into your wallet's tag field. If no tag is shown, send to the deposit address alone.

Why can't I send my whole XRP balance?

The XRP Ledger keeps a base reserve, currently 1 XRP, locked in every account, plus 0.2 XRP for each trust line or open offer. Send the spendable balance your wallet shows and leave the reserve in place.

How long does an XRP swap take?

Most swaps finish within minutes. The exact time depends on how fast each network confirms your deposit. The XRP Ledger closes a new ledger every 3 to 5 seconds, so the XRP side is quick; most of the wait is on the other network.

What is the minimum XRP swap?

About 32 XRP when you send XRP, as of 15 November 2026. Each pair has its own minimum and maximum, and the exchange box shows both before you send anything.

What fees do I pay?

The GhostSwap fee is already included in the rate in the exchange box, so the amount shown is what you receive. Your wallet also pays the normal network fee for your deposit.

Is Ripple the same as XRP?

No. Ripple is a company, XRP is the coin, and the XRP Ledger is the network it runs on. When you swap Ripple, you swap XRP: send or receive it with an r-address.

How do I swap XRP to Monero?

Choose XRP as the coin you send and XMR as the coin you get, paste your Monero address and the r-address you send from, then send the XRP to the deposit address, with the Destination Tag if one is shown. The XMR goes straight to your Monero wallet.

Does GhostSwap hold my XRP?

No. There's no stored balance: your deposit is swapped and the coins are sent straight to the address you enter. If a swap can't be completed, the coins go back to the sender address you entered.

XRP Exchange: Swap XRP With No Account or KYC