You send
XRP XRP
XRP is the native asset of the XRP Ledger, a payments-focused blockchain live since 2012 that settles transactions in a few seconds.
- Network
- XRP Ledger
- Address
- Starts with r
XRP → XMR
Swap XRP to Monero without KYC
Swap
live ratesYou get
No account · No email · Non-custodial · All fees included
In shortTo swap XRP (XRP) to Monero (XMR) without KYC, enter the amount, paste your XMR address and send your XRP to the one-time deposit address. AltoSwap compares 20+ exchanges for this pair, keeps the no-KYC ones by default and picks one of the best rates for you. No account, email or ID is needed.
Indicative rate1 XRP ≈ 0.00178427 XMRfrom 7 offers · updated
- No KYC by default
- No account
- Fixed or floating
- Non-custodial
Rates come from live exchange quotes and refresh automatically. Page content reviewed by the AltoSwap team on . How we produce and check these pages.
Live XRP to XMR network stats
Readings from the last check of this pair, each with its time. They move through the day; the calculator gives the live quote for your exact amount.
- Indicative rate
- 1 XRP ≈ 0.00178427 XMRat 2026-11-11 12:55 UTC
- Inverse rate
- 1 XMR ≈ 560.454 XRPat 2026-11-11 12:55 UTC
- Offers compared
- 7for 200 XRP
- Estimated swap time
- about 8 minthe route's own estimate
How XRP to XMR is routed right now
At the last check, no A-rated exchange quoted XRP to XMR, so the offers came from exchanges rated below A. The form tells you what that means before you send anything.
There is no route for XRP to XMR without an exchange at the moment, so this swap goes through an exchange.
You pay your wallet's own network fee to send XRP on XRP Ledger. The network fee for paying out XMR on Monero is already included in the rate.
XRP to XMR at a glance
Monero is a privacy coin, which makes XRP to XMR one of the most common privacy swaps. The exchange receives a public XRP transaction and pays you XMR; from then on, what you do with that XMR is shielded by Monero's own protocol rather than by any promise from an intermediary.
Your XMR is paid on Monero. Use an address that starts with 4 or 8.
XRP to XMR conversion table
| You send | You get (estimate) |
|---|---|
| 40 XRP | ≈ 0.0713707 XMR |
| 100 XRP | ≈ 0.178427 XMR |
| 200 XRP | ≈ 0.356853 XMR |
| 400 XRP | ≈ 0.713707 XMR |
| 1,000 XRP | ≈ 1.78427 XMR |
| 2,000 XRP | ≈ 3.56853 XMR |
Estimates from the indicative rate above. The live quote for your exact amount is in the calculator.
Pair details
- You send
- XRP (XRP) on XRP Ledger
- You receive
- Monero (XMR) on Monero
- KYC
- None by AltoSwap. Routed through A-rated (no-KYC) exchanges by default
- Account
- Not required. No sign-up, no email
- Indicative rate
- 1 XRP ≈ 0.00178427 XMR
- Minimum amount
- About 2.9 XRP
- Maximum amount
- About 905,000 XRP
- Rate types
- Floating and fixed
- XRP deposit confirmation
- A few seconds
- Memo / tag
- Not used for this pair's payout
- Custody
- Non-custodial: wallet → exchange → your wallet
How to swap XRP to XMR
Four steps, with no account at any of them. Most of the wait is your XRP deposit confirming on XRP Ledger.
- 1
Enter the XRP amount
Type how much XRP you want to swap (minimum about 2.9 XRP). The XMR you will receive updates live.
- 2
Check the quote
A top no-KYC rate is already chosen for you. The form shows what you receive, how long it usually takes and the KYC rating of the route.
- 3
Add your XMR address
Paste the Monero address where you want to be paid. A refund address for your XRP is optional but recommended.
- 4
Send XRP, receive XMR
Send the exact amount to the deposit address on XRP Ledger. After it confirms (a few seconds), the XMR is sent to your address.
About XRP and Monero
Check the network and the address format on both sides before you send. A swap can only pay the address it was given.
You receive
Monero XMR
Monero is a privacy-focused cryptocurrency launched in 2014. Ring signatures, stealth addresses and RingCT hide the sender, receiver and amount of every transaction by default.
- Network
- Monero
- Address
- Starts with 4 or 8
Ways to swap XRP to XMR, compared
The same swap can be done four ways. This is how they differ on privacy, custody and price.
| AltoSwap | KYC exchange | DEX | Single instant exchange | |
|---|---|---|---|---|
| Account needed | No | Yes, with email and password | No, wallet connection | No |
| Identity documents | None; no-KYC exchanges by default | ID and selfie before trading | None | Depends on that one exchange |
| Who holds your coins | You, apart from the minutes of the swap | The exchange, in your balance | You | You, apart from the minutes of the swap |
| Native XRP and XMR | Yes | Yes | Mostly wrapped or bridged tokens | Yes |
| Rate you get | 20+ exchanges and swap networks, compared live | That exchange's order book | That pool's liquidity | One exchange's quote |
| Time for XRP to XMR | Minutes | Hours to days, including sign-up | Minutes | Minutes |
| Buy with a bank card | No, crypto to crypto only | Yes | No | Usually no |
XRP to XMR: questions and answers
How do I swap XRP to XMR without KYC?
Enter the XRP amount on this page, paste your XMR address and send your XRP to the deposit address shown. AltoSwap has no accounts and asks for no identity documents, and it routes your swap through exchanges rated A for KYC, meaning providers that do not run identity checks. The XMR is paid directly to your wallet.
What is the XRP to XMR exchange rate?
At the last update, 1 XRP ≈ 0.00178427 XMR (from 7 offers compared for 200 XRP). Rates move with the market every few seconds, so use the calculator at the top of the page for the live rate on your exact amount.
What are the minimum and maximum for XRP to XMR?
The minimum is about 2.9 XRP and the maximum about 905,000 XRP. Limits vary slightly between exchanges and follow market prices; the form tells you immediately if your amount is outside the range.
How long does a XRP to XMR swap take?
Usually around 8 min. Most of that is waiting for your XRP deposit to confirm on XRP Ledger, which takes a few seconds. There is no verification step, so nothing else adds to the wait.
Is swapping XRP to XMR anonymous?
AltoSwap does not know who you are (no account, no email, no identity checks) and the default route uses no-KYC exchanges. Your XRP deposit is a public transaction on XRP Ledger, but once you hold XMR its transactions hide sender, receiver and amount by design.
Which XMR address should I use?
Your XMR is paid on Monero. Use an address that starts with 4 or 8. Always use an address in a wallet you control and double-check the first and last characters before sending.
What fees are included in the XRP to XMR rate?
Everything. The exchange's spread, the Monero network fee for the payout and any service commission are already inside the quoted rate, so the amount shown is what you receive: exactly on a fixed rate, approximately on a floating rate. You only pay your own XRP Ledger network fee to send the deposit.
Can I swap XMR back to XRP?
Yes. The reverse direction, XMR to XRP, works the same way and has its own page and live rate on AltoSwap. Each direction is quoted independently, so the two rates are not exact mirrors of each other.
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