- Indicative mid
- 1 XRP ≈ 1.719e-5 BTC (not a swap quote)
- XRP ≈ USD
- $1.38
- Typical time
- 10–25 min Standard
- You send
- XRP on XRP Ledger
- You receive
- Bitcoin (BTC)
XRP to Bitcoin is a cross-ledger swap: XRP in, native BTC out. No KYC. XRP settles quickly on the XRP Ledger; Bitcoin payout still needs a BTC L1 send.
Typical Standard time is about 10–25 minutes: fast XRP deposit, then Bitcoin mempool for payout. Use an XRP address with any required destination tag exactly as your wallet or exchange shows.
Receive side must be Bitcoin (bc1, 1, or 3). XRP addresses and Bitcoin addresses are unrelated formats. If your XRP wallet requires a destination tag, enter it in the widget — Swap.bz cannot add tags you omit.
0.5% Standard / 1% Private Swap plus XRP and BTC fees. Toward stables: XRP→USDT if listed, or XRP→BTC then BTC→USDT.
Want no intermediary at all? The THORChain route swaps XRP to BTC directly through decentralised liquidity pools: no KYC, no AML screening, nothing anyone can freeze, automatic on-chain refunds. 1% fee — select THORChain in the widget.
From your XRP wallet
Send XRP from any wallet you control — Xaman (XUMM), Ledger, Trust Wallet or another self-custody wallet. You never connect a wallet to Swap.bz: the widget gives you a one-time deposit address and you send XRP to it like a normal transfer. Network: XRP Ledger. Receiving in your own wallet needs no destination tag. If you receive on an exchange instead, the exchange requires its tag — see the XRP destination tag guide.
Receiving Bitcoin: address and network
Paste a BTC address from a wallet you control (Sparrow, Electrum, BlueWallet, Ledger or Trezor…). Payout network: Bitcoin (on-chain). Native BTC on the Bitcoin network only. Lightning invoices and wrapped bitcoin (WBTC, cbBTC, BTCB) are different assets. Set the refund address at the same time: it must be a XRP address, on the network you send from.
FAQ
XRP to BTC
How do I swap XRP to BTC without KYC?
Open /swap/xrp-to-btc, enter the XRP amount and your Bitcoin address, include any required XRP tag, send XRP to the deposit address. No KYC.
What is the fee to exchange XRP to BTC?
0.5% Standard or 1% Private Swap, plus XRP and Bitcoin network fees.
How long does a XRP to BTC swap take?
Typically 10–25 minutes. XRP is fast; Bitcoin payout follows mempool.
Is swapping XRP to BTC on Swap.bz custodial?
No. XRP to a one-time deposit, BTC to your Bitcoin wallet.
What if my XRP wallet needs a destination tag?
Enter it exactly as shown when creating the order. Deposits without required tags may not credit automatically.
Can I receive Taproot or SegWit BTC?
Yes when your wallet provides a valid Bitcoin receive address in that format.
Can I swap XRP to BTC without any AML screening?
Yes — pick THORChain in the widget. XRP goes to a THORChain vault with a memo, on-chain pools swap it and the network pays your BTC address. No company in the middle, no screening, nothing to freeze; failed swaps are refunded to the sending address by the protocol. 1% fee, send from a wallet you control.
Can I swap XRP to BTC from Xaman (XUMM)?
Yes. Take the quote on Swap.bz, then send XRP from Xaman (XUMM) (or any other XRP wallet) to the deposit address shown. No wallet connection, no account. BTC arrives at the address you pasted.
Which network do I use to receive BTC?
Bitcoin (on-chain). Native BTC on the Bitcoin network only. Lightning invoices and wrapped bitcoin (WBTC, cbBTC, BTCB) are different assets.
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