Swap XRP to Zcash (ZEC)

Minimum swap

$100 (≈ 77.5 XRP)

Maximum swap

No limit set by the site

Swap fee

0.5% of the amount

Payout network fee

A charge for the Zcash 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

ZEC payout

Sent to your address once the deposit is confirmed

Account

None required

1. 01
   Get a XRP to ZEC quote

   Enter how much XRP you want to convert. You see the live XRP to ZEC rate, both fees and the exact Zcash you will receive before you commit.

2. 02
   Send 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.

3. 03
   Receive Zcash (ZEC)

   Once the XRP deposit confirms on-chain, Zcash is sent to the Zcash address you gave. Track it on the swap’s status page, no login needed.

What does the XRP to ZEC rate mean?

It is how much Zcash (ZEC) 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 ZEC?

Enter the amount of XRP in the widget, choose ZEC as what you receive, and give a Zcash address. You are shown a deposit address and an exact XRP amount; send that amount and the ZEC is paid to your address once the deposit confirms. No account is needed at any step.

What are the fees to exchange XRP for ZEC?

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 Zcash payout transaction. There is nothing added afterwards — the ZEC amount in the quote is the ZEC amount that arrives.

What is the minimum XRP/ZEC 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 Zcash liquidity, and no verification at any size.

Do I need an ID to swap XRP to ZEC?

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 ZEC 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 ZEC private?

Your XRP deposit is visible on the XRP ledger like any XRP transaction. Give a unified (u1…) address and the Zcash payout enters the shielded pool, where its amount and destination are encrypted on-chain. We store only what a swap needs — amounts, transaction ids and the address you gave.

• Zcash transaction fees and how long a Zcash transaction takes

  What a ZEC transaction costs under ZIP 317, how many confirmations to expect and when, why a transaction sits pending, and how to check one.

• Zcash unified addresses (u1…) explained

  A unified address bundles a Zcash user's transparent and shielded receivers into one string. Here's what's inside a u1…, and what happens when you send to one.

• Zcash shielded vs transparent addresses, explained

  The difference between t-addresses and u-addresses in Zcash, when to use which, and what actually happens on-chain.

• Zcash viewing keys: proving a shielded payment without giving up your keys

  A viewing key lets someone read your shielded Zcash activity without being able to spend it. Here's what the different key types reveal, and when you'd hand one over.

• When a service won't accept your Zcash shielded or unified address

  Some services accept only t-addresses and reject u1… as invalid. Why that happens, what a unified address does when the sender supports only part of it, and how to shield your ZEC anyway.

• The complete guide to receiving your first ZEC

  Wallet setup, address types, funding, and what to do the first time your ZEC arrives — step by step.

• Zcash vs Monero: how the privacy actually differs, and which to use

  Monero hides every transaction by default; Zcash hides the ones you shield. What each model hides, what it leaks, and which fits which situation.

• 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.

Going the other way? Swap Zcash to XRP.

See every route into Zcash or everything you can swap XRP for.