XRP → XMR

sort by

rate type

Floating Fixed

Market-rate quotes (may change before execution).

root@notkyc:~$ rates cached for everyone · ttl 60s · 0s

#	Exchange	Score	No-KYC record?	Rate	You receive (1 XRP)	Limits (XRP)
1	OctoSwap BEST	A priv 87trust 70	// no on-platform swaps yet	1 XRP = 0.003439 XMR	0.003439 XMR	min 6237.802868 · max 1069337.634447	swap on notkyc	swap on OctoSwap →
2	FixedFloat	D priv 45trust 67	0/1 KYC-free	1 XRP = 0.003408 XMR	0.003408 XMR	min 58.6879 · max 88018.6062	swap on notkyc	swap on FixedFloat →
3	XMRS	C priv 61trust 71	6/6 KYC-free	1 XRP = 0.0034 XMR	0.0034 XMR	min 89.0868 · max 890868.5968	swap on notkyc	swap on XMRS →

OctoSwap BEST A

Rate1 XRP = 0.003439 XMR

You receive0.003439 XMR

Limitsmin 6237.802868 · max 1069337.634447 XRP

swap on notkyc swap on OctoSwap →

FixedFloat D

Rate1 XRP = 0.003408 XMR

You receive0.003408 XMR

Limitsmin 58.6879 · max 88018.6062 XRP

swap on notkyc swap on FixedFloat →

XMRS C

Rate1 XRP = 0.0034 XMR

You receive0.0034 XMR

Limitsmin 89.0868 · max 890868.5968 XRP

swap on notkyc swap on XMRS →

Swapping XRP into XMR is a common move for users who want to convert fast, cheap settlement into private holdings. XRP clears in 3-5 seconds with sub-cent fees on the XRP Ledger, making it efficient to move value off an exchange or wallet. Monero then provides on-chain privacy through ring signatures, stealth addresses, and RingCT - turning a transparent ledger position into a fungible, unlinkable balance.

// about this pair

Why XRP -> XMR specifically

XRP and XMR sit on entirely separate networks with no shared bridge, so every swap is a custodial or atomic-style cross-chain trade - there is no 'wrapped' version to worry about. XRP gives you a fast, low-fee inbound leg: a 20-drop minimum fee (~0.00002 XRP) and finality in seconds means the exchange credits your deposit almost immediately. The bottleneck is usually the XMR side, where confirmations take roughly 2 minutes per block and most services wait for 10 confirmations before releasing funds. Liquidity for XRP/XMR is decent on aggregator-routed venues but thinner than BTC/XMR, so quoted rates can drift on larger orders.

Common reasons to run this pair:

Exiting an XRP position into a privacy-preserving store of value
Consolidating proceeds from XRPL-based payments into non-traceable holdings
Avoiding the BTC intermediate hop and its mempool fee volatility

Choosing a route and executing safely

Things worth checking before you commit a deposit:

Destination tag handling - XRP deposits to exchanges almost always require a tag; missing it can delay or lose funds
Floating vs fixed rate - fixed locks the quote but usually carries a 1-2% spread; floating gives a better mid but exposes you to XMR volatility during confirmation
Min/max limits - XMR liquidity caps are lower than majors, so large orders may be split or rejected
Refund address policy - if the rate window expires or the deposit falls outside limits, you want a clear refund path back to an XRP address you control

Practical tips: send a small test amount first if the order is sizeable, double-check the destination tag field, and avoid swapping during low-liquidity hours (weekend UTC nights) when XMR spreads widen. Once XMR lands in your wallet, let it sit for at least 10 confirmations before spending or forwarding.

// FAQ

Do I need a destination tag when sending XRP to the swap service?

Almost always yes. Most aggregator-routed deposits use shared XRP wallets and rely on the destination tag to credit your specific order. Sending without the tag means the deposit lands in a pooled address with no automatic attribution, and recovery requires manual support intervention. Always copy both the address and the tag exactly as shown.

How long does an XRP to XMR swap take end to end?

The XRP leg confirms in 3-5 seconds. The XMR payout typically waits for 10 Monero confirmations, which is around 20 minutes at 2-minute block times. Total time is usually 20-30 minutes assuming the exchange processes immediately. Fixed-rate orders that exceed the rate-lock window may revert to floating or trigger a refund.

Why is the XRP/XMR rate sometimes worse than XRP/BTC plus BTC/XMR?

Direct XRP/XMR books are thinner than the major pairs, so some routes internally hop through BTC or USDT, adding spread on each leg. Aggregators surface the best net rate across providers, but during low-liquidity periods the synthetic two-hop path can briefly underperform a direct quote. Compare quotes at execution time rather than relying on historical averages.

Can the swap be traced from my XRP deposit to my XMR wallet?

The XRP side is fully transparent - anyone can see the deposit address and amount on the XRPL. Once the exchange sends XMR to your Monero address, on-chain analysis stops there: stealth addresses hide the recipient and ring signatures obscure the sender. The exchange itself, however, knows both sides of the trade unless you used a no-account, no-KYC service.

What XMR wallet should I use to receive the payout?

Use a wallet where you control the keys - the official Monero GUI/CLI, Feather, or Cake Wallet are common choices. Avoid sending to exchange-hosted XMR addresses, since that defeats the privacy purpose and many centralized venues have delisted XMR anyway. Make sure your wallet is fully synced before checking for the incoming transaction.

Is there a minimum XRP amount for this swap to be worthwhile?

Most services set a minimum around 20-50 XRP to cover network and processing costs. Below that, the spread eats most of the value. On the upper end, single-order maxes for XMR are often capped near 50-100 XMR equivalent due to liquidity; larger conversions should be split across multiple orders or timed across different liquidity windows.

// related