Swap XRP to XMR: Ripple to Monero exchange

XRP’s ledger is fully public and, unlike a UTXO chain, organised around persistent accounts. Balances, trust lines and the complete transaction history of an address are all directly queryable, and because most XRP moves through a small number of large exchanges, the surrounding context is unusually easy to fill in. An address that has ever touched a verified account is effectively named.

Monero removes both the account structure and the public amounts, so there is no balance to look up and no history to walk. The trade is speed and cost: XRP is faster and cheaper to move than almost anything, and Monero is neither, though its fees remain small in absolute terms. Send from a wallet you control, and receive to a Monero wallet whose keys are yours.

The usual context is a balance left over from using XRP as a rail. Money that arrived as a transfer sits in an account whose entire history is queryable by anyone with the address, including whoever sent it. Holders who intend to keep the value rather than pass it on generally do not want it sitting there in public view indefinitely. You can exchange Ripple for Monero, no KYC, and so convert XRP to Monero anonymously — the XRP Ledger shows the deposit, and nothing after it.

To convert XRP to XMR, enter the exchange amount in the widget. The XMR converter tool then shows the estimated amount you will receive. That figure is the XRP to XMR 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 XRP to XMR exchange and price calculator: change the amount and the XRP to XMR 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 Ripple costs nothing beyond that figure except one thing: the Ripple 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 XMR 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 XRP 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 XMR to your wallet is already inside the receive amount. The one cost outside the quote is the Ripple network fee your own wallet pays to broadcast the deposit.

Exchange rate

The XRP to XMR 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 XRP deposit has the network confirmations the partner requires, and Ripple produces a block every ~4 sec. How many it waits for depends on the amount, so the tracking page shows the live count.

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

• Send the destination tag with your deposit. Ripple deposits carry a destination tag alongside the address; a deposit sent without the one shown to you is not automatically matched to your swap.
• 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 XRP you want to exchange. The widget quotes live across our partners and shows the best XMR receive amount.

2. 02
   Give two addresses

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

3. 03
   Send the deposit

   Transfer the XRP 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 XMR is sent to your address. Follow it the whole way on the tracking page.

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

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