Swap XRP to Monero (XMR)
Exchange XRP for Monero without an account. Enter an amount, give a Monero address, send the exact XRP amount shown — your XMR follows once the deposit confirms.
XRP to XMR rate
Market rate, updated 2026-10-25 20:05 UTC1 XRP = 0.00217945 XMR
1 XMR = 458.831 XRP
XRP is trading at $1.3 and Monero at $596.48. Your quote applies a 0.5% swap fee and a network-fee charge for theMonero payout to this rate, and shows the exact XMR you receive before you send.
| Send | Receive | ≈ USD |
|---|---|---|
| 7.692 XRP | 0.016765 XMR | $10 |
| 38.46 XRP | 0.083825 XMR | $50 |
| 76.92 XRP | 0.16765 XMR | $100 |
| 384.6 XRP | 0.83825 XMR | $500 |
| 769.2 XRP | 1.6765 XMR | $1,000 |
| 3846 XRP | 8.3825 XMR | $5,000 |
XRP to XMR swap details
- Minimum swap
- $100 (≈ 76.9 XRP)
- Maximum swap
- No limit set by the site
- Swap fee
- 0.5% of the amount
- Payout network fee
- A charge for the Monero payout transaction, shown in the quote
- Quote valid for
- 60 minutes to accept, then refreshed
- XRP deposit confirmation
- Verified on the XRP network before the payout is released
- XMR payout
- Sent to your address once the deposit is confirmed
- Account
- None required
Why exchange XRP to Monero (XMR)?
Every XRP transaction is public. Swap XRP to XMR and the Monero you receive is hidden on-chain — the amount, the sender and your address.
The XRP/XMR exchange rate, the network fee and the swap fee are shown before you send a single XRP. The XMR amount quoted is the XMR amount you get.
Your swap page shows a destination tag alongside the deposit address. Include it exactly as displayed. XRP payments without the exact destination tag cannot be credited.
Sending XRP
XRP is the native asset of the XRP Ledger, a network designed for fast, low-cost settlement; transactions finalise in seconds.
XRP blocks arrive 3–5 seconds, so a deposit usually confirms in under a minute.
Your XRP deposit is verified on the XRP Ledger network before the swap proceeds — typically under a minute after you send.
The destination tag shown on your swap page is required. Include it exactly as displayed — a payment without it cannot be processed automatically.
Receiving Monero
Monero is a privacy coin where every transaction is private by default: ring signatures hide the sender, stealth addresses hide the receiver and RingCT hides the amount.
Your Monero goes to the address you give, and only that address. Accepted formats: standard addresses are 95 characters starting with 4; subaddresses start with 8; integrated addresses start with 4 and are 106 characters.
Any standard address or subaddress works. Because Monero amounts are hidden on-chain, only you and your wallet can see the payout land.
The payout is sent once your deposit is confirmed. Monero blocks arrive about 2 minutes, so it is usually spendable within minutes of being sent.
How to swap XRP to XMR
Full details →- 01Get a XRP to XMR quote
Enter how much XRP you want to convert. You see the live XRP to XMR rate, both fees and the exact Monero you will receive before you commit.
- 02Send your XRP
You get a XRP deposit address and an exact amount. Send it from any XRP wallet — scanning the QR code fills in both where your wallet supports it.
- 03Receive Monero (XMR)
Once the XRP deposit confirms on-chain, Monero is sent to the Monero address you gave. Track it on the swap’s status page, no login needed.
XRP to Monero (XMR) FAQ
- What does the XRP to XMR rate mean?
- It is how much Monero (XMR) you receive for each XRP 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 XRP to XMR?
- Enter the amount of XRP in the widget, choose XMR as what you receive, and give a Monero address. You are shown a deposit address and an exact XRP amount; send that amount and the XMR is paid to your address once the deposit confirms. No account is needed at any step.
- What are the fees to exchange XRP for XMR?
- 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 Monero payout transaction. There is nothing added afterwards — the XMR amount in the quote is the XMR amount that arrives.
- What is the minimum XRP/XMR exchange amount?
- $100 worth, shown in the widget as an amount of XRP at the current rate. There is no maximum imposed by the site beyond available Monero liquidity, and no verification at any size.
- Do I need an ID to swap XRP to XMR?
- 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 XRP to XMR swaps take?
- XRP deposits usually confirm in under a minute, 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.
- Do I need a destination tag to send XRP?
- Yes. XRP payments without the exact destination tag cannot be credited. It is shown next to the deposit address on your swap page and must be entered in your wallet's destination tag field.
- What happens if my XRP 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 XRP. 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.
- Is exchanging XRP for XMR private?
- Your XRP deposit is visible on the XRP ledger like any XRP transaction. The Monero payout is not: ring signatures, stealth addresses and RingCT hide the sender, the receiving address and the amount on-chain. We store only what a swap needs — amounts, transaction ids and the address you gave.
Related guides
All guides →- How to Buy Monero (XMR) Without KYC in 2026
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