How to Swap XMR to XRP

Aug 28, 20263 min read

XRP is built for one thing above all: moving value across borders quickly and for a tiny fee. Settlement takes a handful of seconds, and the cost per transfer is a rounding error. If that is what you need and you are starting from Monero, you can swap XMR to XRP in a single step, with no account.

XRP also has two quirks that trip up newcomers — a destination tag and an account reserve. Neither is complicated, but both are worth understanding before you send. Open the XMR → XRP page when you are ready, and read the two notes below first.

Two XRP details that matter

At a glance

Swapping XMR to XRP on XMRS: step by step

Following your swap

The page tracks the stages live: it waits for your Monero deposit, confirms it, exchanges at the current rate, and sends the XRP — which itself settles in seconds. An optional e-mail confirms completion, and the exchange ID is your reference for support.

Fees and timing

Both fees are on screen before you confirm, and a promocode lowers the exchange fee. The Monero side sets the pace with about 10 confirmations at roughly two minutes each; XRP delivery afterward is near-instant. The whole swap usually lands within 20–60 minutes.

The privacy trade-off

The XRP Ledger is public and transparent — balances and transfers are open to anyone, and the shared-address-plus-tag model used by services can make flows especially easy to attribute. The privacy you had on Monero does not carry over. Use a personal wallet where you can, and keep the received XRP separate from anything identifying.

FAQ

Do I always need a destination tag?

No. You need one when sending to an exchange or shared custodial address. A personal self-custody XRP wallet typically does not use a tag — check what your destination specifies.