Exchange XRP to USDS
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XRP → USDS 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, USDS arrives at your wallet. SwapHub never holds your funds.
How to swap XRP to USDS.
Enter XRP amount
Type how much XRP you want to swap. We'll show the exact USDS you'll receive at the live rate.
Paste USDS address
Your USDS 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 USDS
USDS arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XRP to USDS.
Instant cross-border payments. Ripple's XRP is often called the 'bank coin' because it's used by over 100 financial institutions for secure, near-zero-fee cross-border payments. Swapping XRP to USDS allows institutions to easily convert XRP into a stablecoin for further use in DeFi applications.
Regulatory clarity. Post-SEC settlement, XRP has more regulatory clarity than most altcoins. This makes it an attractive asset for institutions looking to comply with regulations while enjoying the benefits of XRP's fast, cost-effective transfers.
Decentralized stability. USDS, a rebranded version of DAI, offers the same over-collateralized model but with improved branding and governance. Swapping XRP to USDS provides a stable, decentralized asset that can be used in various DeFi applications, including yield farming and savings.
Network efficiency. XRP's network confirms transactions in just 3-5 seconds, making it ideal for institutions that need fast and reliable transfers. USDS, being a stablecoin, ensures consistent value, reducing the risk of price volatility in DeFi environments.
About the assets.
Ripple (XRP) is a digital currency launched in 2012 by Ripple Labs. It operates on the XRP Ledger (XRPL) and is not mined. XRP has a pre-minted supply of 100 billion, with approximately 55 billion in escrow. Ripple uses XRPL for On-Demand Liquidity (ODL) and has partnerships with over 100 financial institutions.
USDS is a stablecoin rebranded from DAI, operated by the Sky protocol. It is over-collateralized and governed by a decentralized community. USDS offers the same decentralized backing model as DAI but with improved branding and governance features. Common use cases include DeFi lending, yield farming, and savings.
Questions people ask.
01 What's the current XRP to USDS exchange rate?
Right now 1 XRP equals approximately USDS. 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 USDS swap take?
Average end-to-end time is about 5 minutes. The main variable is the XRP network confirmation speed — typically 3-5 seconds. You can track progress in real time on the swap page.
03 Which XRP networks are supported?
SwapHub supports XRP on the XRP Ledger (XRPL). This network is known for its fast transaction confirmations, averaging 3-5 seconds. No other networks are currently supported for XRP.
04 What is the minimum and maximum amount?
Minimums 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 USDS and gas on your chosen 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 USDS at the locked rate. Sending a different coin to the XRP address is recoverable but requires contacting support.
08 Can I swap XRP to USDS 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 are the common use cases for XRP and USDS?
XRP is commonly used for cross-border institutional payments and On-Demand Liquidity (ODL) corridors. USDS, a rebranded version of DAI, serves as a stablecoin for DeFi lending, yield farming, and savings with improved branding and governance. Swapping XRP to USDS allows for seamless integration into these DeFi ecosystems.