Swap XMR to XRP: Monero to Ripple exchange

XRP settles in seconds for a fraction of a cent, which makes it a genuinely useful transfer rail when the recipient is on the other side of a border or a banking relationship. This route reaches that rail from Monero without an account at a venue that would have to identify you first.

Two Ripple-specific requirements decide whether this works. A destination tag is needed for any deposit into an exchange or custodial account, because those platforms share one address across all their users and the tag is what identifies you inside it — send without it and the credit is manual at best. And a brand-new XRP address is not usable until it holds the network’s base reserve, so receiving into an unfunded account requires enough to cover it.

This route mostly serves cross-border payment, where XRP is genuinely good and Monero is not accepted. Sending value to someone in another country who will convert it locally is the common shape, and the seconds-long settlement matters when the recipient is waiting. Confirm on the receiving side whether a tag is required before you commit to the amount. You can convert XMR to XRP anonymously; add the destination tag if the XRP is going to an exchange or a shared wallet.

To convert XMR 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 XMR 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 XMR to XRP exchange and price calculator: change the amount and the XMR 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 Monero costs nothing beyond that figure except one thing: the Monero 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 XMR 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 Monero network fee your own wallet pays to broadcast the deposit.

Exchange rate

The XMR 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 XMR deposit has the network confirmations the partner requires, and Monero produces a block every ~2 min. How many it waits for depends on the amount, so the tracking page shows the live count.

Every XMR 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 Monero 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 XMR 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 XMR refund address in case the swap cannot complete. No account, no email, no identity check.

3. 03
   Send the deposit

   Transfer the XMR 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 → XMR
• BNB → XMR
• XMR → BNB
• ZEC → XMR
• BTC → XRP
• XRP → BTC
• XRP → USDT
• USDT → XRP

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