Swap XRP: anonymous Ripple swap

These are reference figures from our own rate feed, not quotes — every swap is re-priced across our liquidity partners at the moment you confirm, and the best receive amount wins. How that comparison works is on the methodology page.

Block time

~4 sec

Network

Ripple

Extra field

destination tag

The XRP Ledger closes a new version roughly every four seconds through validator agreement rather than mining, with fees of a tiny fraction of a cent. A single confirmation is final, which makes XRP one of the fastest assets to move anywhere.

That speed is why XRP is so often used as an intermediate hop: value spends the minimum possible time in transit between two slower chains. The consensus mechanism behind that speed needs no mining, and the price of XRP barely matters over a hop that short.

The ledger requires accounts to hold a small XRP reserve to exist, so a brand-new address cannot be emptied completely.

XRP is the native currency of the XRP Ledger, an open-source payment network launched in 2012 by David Schwartz, Jed McCaleb and Arthur Britto. Chris Larsen co-founded Ripple Labs, the company that builds settlement products on it for banks and other financial institutions. Ripple pitches the ledger as a cross border payment rail, and still holds a large share of the 100 billion XRP created at launch. The digital asset and the company are separate things, however often the market prices them together. Searches for Ripple exchanges usually mean somewhere to trade XRP; a swap here needs no account at any of them. The consensus protocol is a set of validators validating transactions by agreement, rather than proof-of-work mining or proof of stake. It is what the four-second close and the sub-cent fee come from, and XRP transactions settle peer to peer on the ledger without a miner in between. The XRP live price on this page is the live XRP price (USD) our rate feed last recorded, not an order book: there is no XRP live trading here, only swaps. You can swap XRP without KYC at the quoted rate.

• Before you send. Receiving XRP into a crypto exchange or custodial account nearly always requires a destination tag. The platform shares one address across all its users, and the tag is what identifies you within it.
• Set a refund address. Funds go back there automatically if a swap cannot complete — a deposit below the minimum, or one arriving after the quote window closed. Without one, a refund needs a message to support instead. See refund handling.
• Nothing is held for you. Deposits are forwarded, not stored, and the data kept is the amount and the two addresses — purged once the swap finalizes. The full picture is on the privacy page.

The usual way to buy Ripple is a centralized exchange: open an account, pass identity verification, link a bank account or a card, and pay in fiat currency. It works, and every step of it is recorded against your name — the purchase, the payment details and the address you withdraw to. If you already hold any other coin there is a shorter route: convert it into XRP here. A Ripple swap needs no account and no verification, exchange processing is automatic once the deposit lands, and the XRP goes straight to a wallet you control, so you keep full control of the keys from the first minute.

What this site does not do is take a card or a bank transfer. There is no fiat on-ramp, by design, because the on-ramp is exactly the step that requires identity. If you hold nothing yet, buy something liquid on an exchange you are prepared to be verified at, withdraw it, and swap from there. The swap is the step with no account in it — the withdrawal before it still sits on a public chain under your name, which is Bitcoin anonymous explains.

Minimum amount

The live minimum amount of XRP for each pair is shown in the widget before you confirm. It moves with network conditions rather than being a fixed figure, and there is no maximum.

Network fee

The fee for delivering coins to your wallet address is already inside the receive amount. The one cost outside the quote is the transaction fee your own wallet pays to send the XRP deposit.

Exchange rate

XRP exchange rates are compared in real time across several partners when you enter the amount, and re-priced server-side the moment you confirm, so the rate you see is the rate the order is created with.

Processing time

A swap out of XRP runs once your XRP transaction to the deposit address has the network confirmations the partner requires, and Ripple transactions settle in blocks that come every ~4 sec. How many it waits for depends on the amount and on network congestion, so the tracking page shows the live count.

• XMR → XRP
• XRP → XMR
• BTC → XRP
• XRP → BTC
• XRP → USDT
• USDT → XRP
• ETH → XRP
• XRP → ETH

Any pair is quotable, not just these — a wide range of digital assets is listed, and every supported coin can be swapped against every other, and the popular routes each have a page of their own.

• Tether
• Tether
• USD Coin
• Dogecoin
• Shiba Inu
• Kaspa