Exchange XRP to XMR
Best rate guaranteed
We compare rates across multiple liquidity providers in real time and route your XRP → XMR 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, XMR arrives at your wallet. SwapHub never holds your funds.
How to swap XRP to XMR.
Enter XRP amount
Type how much XRP you want to swap. We'll show the exact XMR you'll receive at the live rate.
Paste XMR address
Your Monero 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 XMR
XMR arrives at your wallet. We never held your funds — non-custodial from start to finish.
Why people swap XRP to XMR.
Bank coin meets privacy. SwapHub allows financial institutions and individuals to move XRP into XMR, leveraging Ripple’s institutional trust and Monero’s mandatory privacy. This combination is ideal for secure, private international payments and institutional liquidity.
Post-SEC regulatory clarity. XRP has seen significant regulatory developments, including the SEC lawsuit settlement in 2024. This makes XRP more attractive for institutions seeking clarity over alternative cryptocurrencies.
Instant global transfers. XRP’s near-zero fees and instant global transfers enable fast, cost-effective cross-border payments, perfect for institutions and individuals needing quick liquidity.
Privacy-first on-ramp. XMR’s mandatory privacy features make it the go-to cryptocurrency for users looking to avoid surveillance and maintain financial sovereignty. Non-custodial exchanges like SwapHub are the primary on-ramp for acquiring XMR.
About the assets.
Ripple (XRP) is a cryptocurrency launched by Ripple Labs in 2012. It operates on the XRP Ledger (XRPL) and is known for its instant global payments and low transaction fees. XRP is not mined but pre-minted with a supply of 100 billion, with a significant portion held in escrow.
Monero (XMR) is a privacy-focused cryptocurrency that uses ring signatures and stealth addresses to ensure complete anonymity for both sender and receiver. Monero’s mandatory privacy features make it a preferred choice for those seeking to avoid surveillance and maintain financial sovereignty.
Questions people ask.
01 What's the current XRP to XMR exchange rate?
Right now 1 XRP equals about XMR. 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 XMR swap take?
Average end-to-end time is about 5 minutes. XRP confirms in 3-5 seconds, so the main variable is the 10 confirmations required for XMR. 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 is the only network available for XRP, ensuring the highest security and reliability.
04 What is the minimum and maximum amount?
Minimums vary by pair and are shown before you confirm — typically around $0.0001–$0.001 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 XMR 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 XMR at the locked rate. Sending a different coin to the XRP address is recoverable but requires contacting support.
08 Can I swap XRP to XMR 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 does XRP use for this swap?
XRP uses the XRP Ledger network for this swap.