Swap BTC to XRP: Bitcoin to Ripple exchange

XRP’s design goal is settlement speed, and it hits it: transfers finalise in seconds for a fraction of a cent, with no mining and no fee auction. As a rail for moving value between people or venues quickly, it does a job Bitcoin was never built for, and this route reaches it without an exchange account in between.

Two requirements are specific to the XRP Ledger and both can lose a payout. An account must hold the network’s base reserve before it can be used at all, so a brand-new address cannot simply receive any amount. And any deposit into an exchange or custodial account needs the destination tag that platform gives you — the address is shared across all its users and the tag is what identifies you within it.

Cross-border transfers are the dominant use. Someone needs value to reach a person or a business in another country within minutes, and XRP does that at a cost that does not scale with the amount. The recipient’s requirements decide the details — ask whether they need a tag before you send, not after. You can swap BTC to XRP without KYC here, minding the destination tag if you pay an exchange account, and swap XRP to BTC, no KYC, in the other direction.

To convert BTC to XRP, enter the exchange amount in the widget. The XRP converter tool then shows the estimated amount you will receive. That figure is the BTC to XRP conversion rate from the best of our partners at that moment, with every fee already taken off. It is a receive amount, not a mid-market price. The widget doubles as a BTC to XRP exchange and price calculator: change the amount and the BTC to XRP conversion updates with it, with no order created.

The rate moves with market conditions across the cryptocurrency market, so the estimated amount is only current until you confirm. At that point it is priced once more, and the order is created at the rate you were shown. Converting Bitcoin costs nothing beyond that figure except one thing: the Bitcoin transaction fee your own wallet pays to send the deposit. On some chains those are called gas fees. They depend on network conditions, not on us.

The exchange process has one manual step, which is sending the deposit. Everything after it is automatic. Once the exchange is completed, the XRP is in your wallet and the swap's data is purged. If something looks wrong before then — a deposit below the minimum, a transfer on the wrong network — the support team can be reached with your swap link. The refund address you set is where funds return.

Minimum amount

The live minimum amount of BTC for this 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 XRP to your wallet is already inside the receive amount. The one cost outside the quote is the Bitcoin network fee your own wallet pays to broadcast the deposit.

Exchange rate

The BTC to XRP exchange rate is 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.

Confirmations

The exchange runs once the BTC deposit has the network confirmations the partner requires, and Bitcoin produces a block every ~10 min. How many it waits for depends on the amount, so the tracking page shows the live count.

Every BTC to XRP swap is processed automatically as soon as the required blockchain confirmations land — no manual approval, no review queue, no waiting period we impose. Exchange Bitcoin to Ripple here and there is no account step either, so your Ripple leaves for your wallet as fast as network conditions allow.

• Include the destination tag. Receiving XRP into an exchange or custodial account nearly always requires one — the platform shares a single address across all its users and the destination tag is what identifies you within it. Personal wallets do not need one.
• Set a refund address. It is where funds go back to automatically if the swap cannot complete. Without one a refund is still possible, but you have to contact support with your swap link and a return address first — see refund handling.

This swap needs no account, no email and no identity document, because there is no mechanism here to collect them. What is stored is the amount, the destination address and the refund address — the minimum needed to execute and, if necessary, reverse the exchange — and it is purged once the swap finalizes.

Private mode routes the exchange so that no single party sees both ends of it, at the cost of slightly more spread and one extra settlement hop. The full architecture, and what it deliberately does not promise, is on the privacy page.

1. 01
   Pick the pair and amount

   Set how much BTC you want to exchange. The widget quotes live across our partners and shows the best XRP receive amount.

2. 02
   Give two addresses

   Your XRP destination address, and a BTC refund address in case the swap cannot complete. No account, no email, no identity check.

3. 03
   Send the deposit

   Transfer the BTC from your own wallet to the address shown. Nothing is held on your behalf — it is forwarded on arrival.

4. 04
   Receive your coins

   Once the deposit confirms, the exchange executes and the XRP is sent to your address. Follow it the whole way on the tracking page.

• XRP → BTC
• BTC → TRX
• LTC → BTC
• SOL → BTC
• BNB → BTC
• TRX → BTC
• BTC → BNB
• BTC → USDT

More about Bitcoin and Ripple, or browse all exchange pairs and all supported coins.