- Indicative mid
- 1 XRP ≈ 1.3104 USDC (not a swap quote)
- XRP ≈ USD
- $1.31
- Typical time
- Depends on network confirmations
- You send
- XRP (XRP)
- You receive
- USD Coin (USDC) to your wallet
Exchange XRP (XRP) to USD Coin (USDC) on Swap.bz without KYC or account creation. Standard fee 0.5%; optional Private Swap routing is 1%. The live quote shows the receive amount before deposit.
Select the XRP→USDC pair, choose Standard or Private mode, enter your USDC wallet address, send XRP to the deposit address, and receive USDC directly in your wallet. Non-custodial flow — you stay in control of your funds.
Swap.bz supports 100+ cryptocurrencies including Bitcoin, Ethereum, Monero, Solana, USDT, USDC and more. Available on the web and via the @SwapbzBot Telegram bot.
Want no intermediary at all? The THORChain route swaps XRP to USDC 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 USD Coin: address and network
Paste a USDC address from a wallet you control (MetaMask (Ethereum, Base), Phantom (Solana), Coinbase Wallet…). Payout network: several — the widget shows which one. USDC on Base, Ethereum, Solana, Polygon and Arbitrum are different networks with the same name. Check the network in the widget: Base USDC sent to an Ethereum deposit is the classic mistake. Set the refund address at the same time: it must be a XRP address, on the network you send from.
FAQ
XRP to USDC
How do I swap XRP to USDC without KYC?
On Swap.bz open /swap/xrp-to-usdc, enter the amount and your USDC address, then send XRP to the deposit address. No identity verification is required.
What is the fee to exchange XRP to USDC?
Swap.bz charges 0.5% for Standard swaps and 1% for Private Swap. Network fees for XRP and USDC blockchains apply separately.
How long does a XRP to USDC swap take?
Timing depends on confirmation requirements and congestion on the XRP and USDC networks. The order page shows progress after your deposit is detected.
Is swapping XRP to USDC on Swap.bz custodial?
No. You send XRP to a one-time deposit address and receive USDC in your own wallet. Swap.bz does not hold balances.
Can I swap XRP to USDC 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 USDC 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 USDC 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. USDC arrives at the address you pasted.
Which network do I use to receive USDC?
several — the widget shows which one. USDC on Base, Ethereum, Solana, Polygon and Arbitrum are different networks with the same name. Check the network in the widget: Base USDC sent to an Ethereum deposit is the classic mistake.
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