Exchange XRP to USDC
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XRP → USDC swap through the cheapest one.
24/7 human support
Real humans on Telegram within 3 minutes, any timezone. Every order has a copyable ID, we see the same state you do.
Non-custodial security
Your XRP moves directly to the provider's deposit address, USDC arrives at your wallet. SwapHub never holds your funds.
Today's XRP → USDC rate.
1 XRP is currently worth 1.3420 USDC. SwapHub compares rates across multiple liquidity providers and routes your order through the one offering the highest net USDC received.
How much will I get.
Live rate applied to common amounts — updated every 60 seconds.
| 1 XRP | 1.3420 USDC |
| 5 XRP | 6.7100 USDC |
| 10 XRP | 13.4200 USDC |
| 50 XRP | 67.1000 USDC |
| 100 XRP | 134.2000 USDC |
| 500 XRP | 671.0000 USDC |
| 1000 XRP | 1342.00 USDC |
| 5000 XRP | 6710.00 USDC |
| 10000 XRP | 13420.00 USDC |
| 50000 XRP | 67100.00 USDC |
| 1 USDC | 0.745156 XRP |
| 10 USDC | 7.4516 XRP |
| 50 USDC | 37.2578 XRP |
| 100 USDC | 74.5156 XRP |
| 500 USDC | 372.5782 XRP |
| 1000 USDC | 745.1565 XRP |
| 5000 USDC | 3725.78 XRP |
| 10000 USDC | 7451.56 XRP |
| 50000 USDC | 37257.82 XRP |
| 100000 USDC | 74515.65 XRP |
How to swap XRP to USDC.
Enter XRP amount
Type how much XRP you want to swap. We'll show the exact USDC you'll receive at the live rate.
Paste USDC address
Your USD Coin receiving address. We validate the format live — valid addresses show a teal check.
Send your XRP
Transfer XRP to the one-time deposit address. Open it in your wallet with one tap — no manual copy.
Receive USDC
USDC arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XRP to USDC.
Regulatory clarity. XRP, the 'bank coin,' has more regulatory certainty than most altcoins. Ripple’s partnership with over 100 financial institutions means XRP is trusted for cross-border payments and institutional finance. Post-SEC settlement, XRP offers a level of legal assurance unmatched by many cryptocurrencies.
Instant global transfers. XRP can settle transactions in just 3-5 seconds, making it ideal for cross-border payments and on-demand liquidity solutions. This near-zero fee network allows for instant, global transfers without the delays of traditional banking systems.
Institutional adoption. XRP is widely accepted by major financial institutions, providing a stable and secure platform for institutional transfers. The ripple effect of this widespread adoption makes XRP a preferred choice for institutional investors and financial services.
DeFi-friendly. USDC, the regulated stablecoin, is favored by institutions and US-based platforms. Its native Cross-Chain Transfer Protocol (CCTP) makes USDC an excellent choice for cross-chain moves, offering low fees and fast confirmations.
About the assets.
Ripple (XRP) is a decentralized cryptocurrency created by Ripple Labs in 2012. Not mined, with a pre-minted supply of 100 billion, ~55 billion in escrow. Ripple uses the XRP Ledger (XRPL) for On-Demand Liquidity (ODL).
USD Coin (USDC) is a stablecoin issued by Circle Internet Financial, fully backed by cash and short-term US Treasuries. USDC is favored by institutions and US-based platforms due to its regulatory compliance and native Cross-Chain Transfer Protocol (CCTP).
Questions people ask.
01 What's the current XRP to USDC exchange rate?
The current exchange rate between XRP and USDC fluctuates based on market demand and supply. Right now, 1 XRP is approximately equal to 1.3420 USDC. The rate updates every 60 seconds on this page. The exact amount you'll receive is locked at the moment your XRP arrives at the deposit address.
02 How long does an XRP to USDC swap take?
An average XRP to USDC swap takes around 5 minutes. This includes the time for XRP to confirm on the network, which typically takes 3-5 seconds. You can track the progress in real-time on the swap page.
03 Which XRP networks are supported?
SwapHub supports XRP on the XRP Ledger (XRPL). The XRP Ledger is the primary network for XRP transactions and provides near-instant confirmations, making it ideal for quick swaps.
04 What is the minimum and maximum amount?
Minimum amounts vary by pair and are shown before you confirm — typically around $10–$20 equivalent. There's no hard maximum — larger orders may be split across providers automatically for the best rate.
05 Float rate vs Fixed rate — which should I pick?
Float gives you the best available rate at the moment your deposit arrives (usually a slightly better number, subject to movement). Fixed locks the rate when you create the order, costing about 0.4% extra — worth it for large amounts or when the market is moving fast.
06 Is there a fee on top of the exchange rate?
SwapHub charges no extra fee on top of the displayed rate — our margin is already included in what you see. You'll also pay the network fee for USDC and any applicable fees on the XRP network.
07 What happens if I send the wrong amount?
If you send less than the minimum, the order pauses and you can add a top-up. If you send more than the estimate, you'll automatically receive the extra USDC at the locked rate. Sending a different coin to the XRP address is recoverable but requires contacting support.
08 Can I swap XRP to USDC inside Telegram?
Yes. @swapHUB_com_bot opens a Telegram Mini App with the same flow, same rates, same providers. Convenient for mobile users who already live in Telegram.
09 Is SwapHub regulated? Where is it based?
SwapHub operates as a non-custodial interface that routes orders across multiple licensed exchange providers. We don't custody funds, so the regulatory model is closer to an aggregator than an exchange. For jurisdiction-specific questions, see the Terms.
10 What networks support XRP to USDC swaps on SwapHub?
XRP can be swapped to USDC on the XRP Ledger (XRPL) network, and USDC is supported on Ethereum, Solana, Arbitrum, Base, Polygon, Avalanche, and Stellar native to their respective networks.