XRP settles in seconds and shows every payment. Swap it and Monero lands, which shows none.
Market rate on 5 Nov 2026, 18:09 UTC, refreshed every 15 minutes.
XRP is quick and cheap, which is why it's used for moving money between accounts and exchanges. Each of those payments, with its amount and tag, is readable by anyone.
Swapping to Monero keeps the value and drops the record. If your XRP sits on an exchange, withdraw it to your own wallet or send straight from the exchange to the order's address with the tag it shows.
XRP: The XRP Ledger is public: every payment, amount and tag can be read.
XMR: Monero hides the sender, the receiver and the amount of every payment by default.
Every XRP payment, amount and tag is public on the ledger. The Monero that lands carries none of it forward.
Read more: what Monero hides, and where it leaks.
XRP
XMROn 4 Nov 2026, 00:52 UTC, sending 80 XRP cost 5.76% of its value and 720 XRP cost 0.75%, every fee included, measured against the market price at that minute.
| You send | Worth | XMR that landed | All-in cost |
|---|---|---|---|
| 80 XRP | $99.85 | 0.149955 XMR | 5.76% |
| 320 XRP | $399.43 | 0.626815 XMR | 1.53% |
| 720 XRP | $898.73 | 1.4214 XMR | 0.75% |
Rather the XMR landed on a day you choose? Stealth lets you pick it, 1 to 30 days out, with its fee of 2% to 6% shown on its own line before you send.
Type the XRP you're sending.
From your own wallet.
If the order shows a destination tag, include it. Within the hour.
Seconds on XRP, then the trade and the XMR.
The longest stretch: mule trades, about 20 minutes. The mule walks the bar at the same pace your swap does, just faster.
XRPXMRThe XRP Ledger burns a tiny fee in XRP for each transaction, a fraction of a cent.
4 | a standard address, 95 characters |
|---|---|
8 | a subaddress, the best choice for each payer |
4 | an integrated address: 106 characters, with a payment ID inside |
New Monero can be spent after 10 confirmations, about 20 minutes after it lands.
More about MoneroThe market rate on 5 Nov 2026, 18:09 UTC, before any fee. The desk above shows what actually lands for your amount.
| XRP | XMR |
|---|---|
| 1 XRP | 0.002009 XMR |
| 41 XRP | 0.082408 XMR |
| 81 XRP | 0.162807 XMR |
| 200 XRP | 0.401993 XMR |
| 410 XRP | 0.824086 XMR |
| 810 XRP | 1.6281 XMR |
| 2,000 XRP | 4.0199 XMR |
| 4,100 XRP | 8.2409 XMR |
| XMR | XRP |
|---|---|
| 0.082 XMR | 40.7966 XRP |
| 0.16 XMR | 79.6032 XRP |
| 0.41 XMR | 203.9834 XRP |
| 0.82 XMR | 407.9668 XRP |
| 1 XMR | 497.5205 XRP |
| 1.6 XMR | 796.0329 XRP |
| 4.1 XMR | 2,039.83 XRP |
| 8.2 XMR | 4,079.67 XRP |
Each fits someone. Here's who.
| Route | ID | Who holds the coins | Fits when |
|---|---|---|---|
| This desk | None | You, until you send | You want XRP out of public view |
| An exchange account | ID first | The exchange | You trade both there |
| Buying XMR from a person | None from a person | Escrow, on a venue that has it | You'd pay a person how P2P escrow works |
Every rule, stop by stop: how an order runs.
At the market price on 5 Nov 2026, 18:09 UTC, 1 XRP was about 0.002009 XMR. Type any amount into the desk at the top: on Fast it shows the live amount that lands, everything taken out, before you send. On Stealth you see the market amount and our fee, 2% to 6%, on separate lines.
If the order shows one, include it: the deposit is matched by it.
No wallet can: the XRP Ledger keeps a small reserve on every account.
One ledger close, a few seconds.
$50 worth of XRP, about 40.607 XRP at the market price on 5 Nov 2026, 18:09 UTC. The largest is $29,999.
Checked against xrpl.org, getmonero.org; desk quotes read 4 Nov 2026, 00:52 UTC; market rate as shown above. Written by the team that runs the desk.
The way back, and other coins in and out of XRP and XMR.
