Exchange XRP to USDT
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XRP → USDT 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, USDT arrives at your wallet. SwapHub never holds your funds.
Today's XRP → USDT rate.
1 XRP is currently worth 1.0720 USDT. SwapHub compares rates across multiple liquidity providers and routes your order through the one offering the highest net USDT received.
How much will I get.
Live rate applied to common amounts — updated every 60 seconds.
| 1 XRP | 1.0720 USDT |
| 5 XRP | 5.3600 USDT |
| 10 XRP | 10.7200 USDT |
| 50 XRP | 53.6000 USDT |
| 100 XRP | 107.2000 USDT |
| 500 XRP | 536.0000 USDT |
| 1000 XRP | 1072.00 USDT |
| 5000 XRP | 5360.00 USDT |
| 10000 XRP | 10720.00 USDT |
| 50000 XRP | 53600.00 USDT |
| 1 USDT | 0.932836 XRP |
| 10 USDT | 9.3284 XRP |
| 50 USDT | 46.6418 XRP |
| 100 USDT | 93.2836 XRP |
| 500 USDT | 466.4179 XRP |
| 1000 USDT | 932.8358 XRP |
| 5000 USDT | 4664.18 XRP |
| 10000 USDT | 9328.36 XRP |
| 50000 USDT | 46641.79 XRP |
| 100000 USDT | 93283.58 XRP |
How to swap XRP to USDT.
Enter XRP amount
Type how much XRP you want to swap. We'll show the exact USDT you'll receive at the live rate.
Paste USDT address
Your Tether 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 USDT
USDT arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XRP to USDT.
Banking integration. XRP is often called the 'bank coin' because of Ripple's partnerships with over 100 financial institutions. Converting XRP to USDT allows you to leverage this established network for cross-border payments and institutional-grade liquidity.
Regulatory clarity. Post-SEC settlement, XRP has more regulatory clarity than many alternative cryptocurrencies. This makes it a safer bet for institutions and retail investors alike, especially for those seeking stable and transparent assets.
Instant global transfers. XRP's network offers near-zero fees for instant global transfers, making it ideal for cross-border payments and remittances. USDT, being the de facto 'dollar of crypto,' provides a seamless bridge for these transactions.
Trading and liquidity. By swapping XRP to USDT, you gain access to the largest stablecoin by market cap, which is widely accepted across all major chains and exchanges. This ensures high liquidity and low slippage in trading.
About the assets.
Ripple (XRP) is a decentralized cryptocurrency 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 about 55 billion in escrow. Ripple uses XRPL for On-Demand Liquidity (ODL) and has partnerships with over 100 financial institutions.
Tether (USDT) is the most-traded stablecoin, issued by Tether Limited and pegged 1:1 to the US dollar. Available on Ethereum, Tron, Solana, Arbitrum, Avalanche, and Polygon. TRC-20 USDT is the most popular for cheap transfers due to its low fees on the Tron network.
Questions people ask.
01 What's the current XRP to USDT exchange rate?
The current exchange rate is approximately 1 XRP = 1.0720 USDT. 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 USDT swap take?
Average end-to-end time is about 5 minutes. XRP typically requires 3-5 seconds for confirmation, while USDT on the Tron network usually takes just 3 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 and reliable transactions with an average confirmation time of 3-5 seconds. No other networks are currently supported for XRP swaps.
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 USDT 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 USDT at the locked rate. Sending a different coin to the XRP address is recoverable but requires contacting support.
08 Can I swap XRP to USDT 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 are supported for XRP to USDT swaps?
XRP can be swapped to USDT on the following networks: Tron TRC-20 (cheapest, ~$1 fee), Ethereum ERC-20 ($2-15), Solana SPL (<$0.01), Arbitrum, Avalanche, Polygon.