Swap USD Coin (USDC) to XRP
Exchange USD Coin for XRP without an account. Enter an amount, give a XRP address, send the exact USDC amount shown — your XRP follows once the deposit confirms.
USDC to XRP rate
Market rate, updated 2026-10-25 21:26 UTC1 USDC = 0.768922 XRP
1 XRP = 1.30052 USDC
USD Coin is trading at $0.999599 and XRP at $1.3. Your quote applies a 0.5% swap fee and a network-fee charge for theXRP payout to this rate, and shows the exact XRP you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 10 USDC | 7.6923 XRP | $10 |
| 50.02 USDC | 38.462 XRP | $50 |
| 100 USDC | 76.923 XRP | $100 |
| 500.2 USDC | 384.62 XRP | $500 |
| 1000 USDC | 769.23 XRP | $1,000 |
| 5002 USDC | 3846.2 XRP | $5,000 |
USDC to XRP swap details
- Minimum swap
- $100 (≈ 100 USDC)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the XRP payout transaction, shown in the quote
- Quote valid for
- 60 minutes to accept, then refreshed
- USDC deposit confirmation
- Verified on the USD Coin network before the payout is released
- XRP payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange USD Coin (USDC) to XRP?
Exchange USDC for XRP and the XRP goes to an address you control. No account to open, no balance left with us.
The USDC/XRP exchange rate, the network fee and the swap fee are shown before you send a single USDC. The XRP amount quoted is the XRP amount you get.
Nothing is asked of you beyond a XRP address. Send the exact USDC figure shown on your swap page, including every decimal place — a rounded amount needs manual review and takes longer.
Sending USD Coin
USD Coin is a fully reserved US-dollar stablecoin issued by Circle, available natively on Ethereum and Solana among others.
USDC can be sent on Ethereum (ERC-20), Solana, Tron (TRC-20), Polygon, BNB Smart Chain (BEP-20) and Arbitrum. Choose the network in the widget first: the deposit address belongs to that network and USDC sent on any other network cannot be recovered.
Your USDC deposit is verified on the Ethereum (ERC-20) network before the swap proceeds — typically a few minutes on Ethereum, well under a minute on Solana after you send.
Pick the network in the widget before sending and use the matching address.
Receiving XRP
XRP is the native asset of the XRP Ledger, a network designed for fast, low-cost settlement; transactions finalise in seconds.
Your XRP goes to the address you give, and only that address. Accepted formats: classic addresses start with r; X-addresses start with X and embed a destination tag.
If you are receiving at an exchange, that exchange will usually require its own destination tag; give us the address and tag it shows you.
The payout is sent once your deposit is confirmed. XRP blocks arrive 3–5 seconds, so it is usually spendable within minutes of being sent.
How to swap USDC to XRP
Full details →- 01Get a USDC to XRP quote
Enter how much USD Coin you want to convert. You see the live USDC to XRP rate, both fees and the exact XRP you will receive before you commit.
- 02Send your USD Coin
You get a USD Coin (USDC) deposit address and an exact amount. Send it from any USD Coin wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive XRP
Once the USDC deposit confirms on-chain, XRP is sent to the XRP address you gave. Track it on the swap’s status page, no login needed.
USD Coin (USDC) to XRP FAQ
- What does the USDC to XRP rate mean?
- It is how much XRP you receive for each USD Coin (USDC) you send, taken from live market prices at the moment you ask for a quote. The rate moves with the market, so you have 60 minutes to accept a quote and create the swap; the widget refreshes it automatically if you take longer. Funding the swap once it exists has its own separate deadline, shown on your swap page.
- How do I convert USDC to XRP?
- Enter the amount of USDC in the widget, choose XRP as what you receive, and give a XRP address. You are shown a deposit address and an exact USDC amount; send that amount and the XRP is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange USDC for XRP?
- Two, both shown in the quote before you send: a swap fee of 0.5% of the amount, and a network-fee charge for the XRP payout transaction. There is nothing added afterwards — the XRP amount in the quote is the XRP amount that arrives.
- What is the minimum USDC/XRP exchange amount?
- $100 worth, shown in the widget as an amount of USDC at the current rate. There is no maximum imposed by the site beyond available XRP liquidity, and no verification at any size.
- Do I need an ID to swap USDC to XRP?
- No. There is no KYC, no account and no email required. A swap is identified by its link, which shows its status without logging in. Creating an account is optional and only keeps your swap history in one place.
- How long do USDC to XRP swaps take?
- USD Coin deposits usually confirm in a few minutes on Ethereum, well under a minute on Solana, after which the deposit is verified on-chain. Swap times vary by asset and by how quickly its network confirms. Your swap status page shows the current stage throughout the process.
- Which network can I send USDC on?
- Ethereum (ERC-20), Solana, Tron (TRC-20), Polygon, BNB Smart Chain (BEP-20) and Arbitrum. Select the network before you start; the deposit address is specific to it. Pick the network in the widget before sending and use the matching address.
- What happens if my USDC deposit is late or the swap expires?
- There are two separate deadlines. The quote itself is held for 60 minutes — that is how long you have to accept the price and create the swap. Once the swap exists you get a separate funding window, shown on your swap page, to send the USDC. If your deposit arrives after that window closes, the status page shows Expired and the swap moves to Review required; it is then completed at the current rate or refunded to your refund address. Nothing is lost by being late — a late deposit just needs review before it is processed.
- Can I swap XRP back to USDC?
- Yes — every pair works in both directions. The XRP to USDC page is linked below.
Related guides
All guides →- Choosing the right USDC network for a swap
Circle issues native USDC on dozens of blockchains, and SwapToZec accepts two of them. How to pick, and why native USDC and bridged USDC are not interchangeable.
- What happens if you send crypto on the wrong network?
Sometimes the funds are trivially recoverable, sometimes they are gone, and the difference comes down to who holds the private key. How to tell which situation you are in.
- How on-chain deposit confirmations actually work
What a confirmation is, why "6 confirmations" means nothing on Ethereum or Solana, and why a transaction being visible is not the same as it being safe to act on.
Related swaps
All pairs →Going the other way? Swap XRP to USD Coin.
See every route into XRP or everything you can swap USD Coin for.