Exchange Monero (XMR) to Ripple (XRP)

Exchange XMR to XRP

Convert Monero to XRP without an account. You set the amount, give an XRP address, send your XMR, and the coins land in your wallet, usually within 5 to 30 minutes. The XRP Ledger settles in seconds for a fraction of a cent, so the payout is the fast part of this swap and Monero confirmations are the slow one. Swapuz reads the XMR to XRP rate from centralized and decentralized liquidity at the same time. Take the floating rate if you want the market price at the moment your deposit confirms, or lock a fixed rate and know the exact amount of XRP in advance.

How to exchange XMR to XRP

The swap runs across three screens: Details, Processing and Finish.

1. Set up the swap. Put XMR in the "You send" field and XRP in "You get", type the amount, and decide on the rate. Floating is recalculated when your deposit confirms; fixed is locked right away with the padlock icon.

2. Add your XRP address and destination tag. Exchanges and custodial wallets share one XRP address across all their users and tell them apart by the tag, so a deposit sent without it can sit unassigned until support sorts it out. Copy both fields from the deposit page rather than from memory. A personal XRP wallet you control usually needs no tag. Crypto transfers cannot be recalled.

3. Send your Monero. Swapuz shows a one-time XMR deposit address. Send the exact amount to it from your wallet, by QR code or through WalletConnect. The order then moves through Send Deposit, Confirming, Exchanging and Sending.

4. Get your XRP. The ledger closes every few seconds, so the coins normally appear as soon as the order reaches Sending. There is no account and no platform balance involved: your coins pass through the swap and keep going.

Why swap XMR to XRP on Swapuz

• No registration and no KYC by default. The only thing you hand over is the address the XRP goes to.
• Swapuz is non-custodial, so there is no balance to freeze and nothing left on the platform once the swap is done.
• Every order is fixed or floating by your choice, with no account tier deciding it for you.
• Rates come from CEX and DEX liquidity at the same time, across 1,200+ coins. On this pair the routing matters on the Monero side, where regulated exchanges keep delisting the coin and the liquidity left is scattered, while XRP trades deep on most venues.
• The destination tag is part of the form, not an afterthought, so the field is there before you send rather than a problem you discover later.
• The XRP Ledger fee is a fraction of a cent, so the 0.8% service fee is effectively the whole cost, and an account takes 10% off it.
• No upper limit on a swap, and support answers 24/7.

XMR to XRP exchange rate

The XMR to XRP rate on this page is live and shows the best route Swapuz can find at that moment. Both coins float against the dollar and they react to different news: Monero to privacy-coin regulation and the liquidity that thinned out after the delistings, XRP to court and regulatory decisions, ETF flows and payment partnerships, which tend to move it in sharp steps rather than gradually.

Floating means the XRP amount is settled when your XMR confirms, so it can land above or below the estimate. Fixed locks the amount when you create the order, as long as the deposit arrives inside the window. XRP has a habit of jumping on headlines, so a fixed rate is worth more on this pair than on a quiet one.

The table below converts common Monero amounts at the current rate.