Swap USDC on Ethereum to XRP on XRP Ledger. Better.

One deposit on Ethereum, one direct payout on XRP Ledger. Non-custodial, no account, and the AI shows you the full price comparison before you commit.

Silk Road bazaar with saffron awnings
EXCHANGE

Create an exchange

Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.

USDC → XRP

Live rate
You sendEthereum
Min 1 · Max 3.5625 USDCNetwork fee 0.0000 XRP
You getRipple
1 USDC = 0.7041 XRP
Destination
AIDo the same swap by just saying it: “Swap 100 USDC to XRP”
How it works

Swap USDC to XRP in three steps.

No accounts, no waiting. Tell Cambio what you want, send your USDC, and the XRP lands in your wallet in under a minute.

A painted vessel of intent — the moment the AI receives your swap request.
01
Tell Cambio what you want

Type "swap 100 USDC to XRP on XRP Ledger" into the composer. The AI parses your intent, confirms Ethereum as the source and XRP Ledger as the destination, and returns a live quote with the full competitor comparison alongside it.

A painted vessel pouring a single coin — the moment your deposit confirms.
02
Send USDC to the deposit address

Cambio generates a one-time deposit address on Ethereum. Send your USDC there — Ethereum confirms in well under a minute, and the card tracks every confirmation in real time.

A painted receiving bowl with a settled coin — the moment your swap completes.
03
XRP arrives on XRP Ledger

Once your deposit confirms, the payout goes out to your XRP Ledger address directly — XRP Ledger confirms in seconds. No bridge hop, no wrapped assets, no waiting on a second protocol.

Live comparison

We compare the biggest exchanges on every quote — including when we lose.

USDC → XRP · Start a quote and the AI fetches real rates from the five biggest aggregators, side by side. No example numbers here — only live ones.

THIS CORRIDOR, IN NUMBERS

USDC on Ethereum → XRP on XRP Ledger

What USDC → XRP actually costs

  • You send 100 USDC on Ethereum.
  • Cambio's commission is 0.35% of the amount, taken from the rate rather than added on top.
  • Delivering XRP on XRP Ledger costs 0.0000 XRP.
  • You receive 70.1711 XRP.
  • The smallest swap this corridor accepts is 1 USDC — ten times the 0.0000 XRP delivery fee, because below that the fee would take most of the XRP you receive.

Why this pair behaves the way it does

Ethereum confirms in seconds per block, and confirmations is enough to make a reorganisation impractical without leaving your USDC sitting there.

USDC on Ethereum → XRP on XRP Ledger, in numbers

Minimum1 USDC
Delivery fee0.0000 XRP
Cambio commission0.35%
For 1 USDC on Ethereum0.701711 XRP
For 1 XRP on XRP Ledger1.42508811 USDC
Smallest payout0.701711 XRP
What is the minimum for USDC → XRP on XRP Ledger?

1 USDC. The floor is set by what delivering XRP on XRP Ledger costs — 0.0000 XRP — and Cambio will not quote a swap where the delivery fee would take more than a tenth of the payout.

What delivery fee applies to XRP on XRP Ledger?

0.0000 XRP. It is charged at what the transfer actually costs on XRP Ledger rather than marked up, and it is deducted before the figure you are shown — the number on this page is what lands in your wallet.

Is the USDC → XRP rate shown here the rate I get?

Yes, within the quote's window — the 0.35% commission and the 0.0000 XRP delivery fee are already taken out of it, so the figure you see is what reaches your XRP Ledger wallet.

The two coins

What you’re actually swapping.

Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.

USDC
Ethereum ERC20

USDC on Ethereum is the canonical, issuer-native USDC. The network confirms in well under a minute, with gas is the price of L1 — it rises when the chain is busy — and this is the issuer-native home of USDC.

  • NetworkEthereum
  • Confirmations needed1
  • Average block time~12-second blocks
  • Network fee profilegas is the price of L1 — it rises when the chain is busy
XRP
XRP Ledger native

XRP is the native asset of the XRP Ledger. Sending XRP is an ordinary native transfer — no token approval, no contract interaction. XRP Ledger confirms in seconds, and deposits share one address and are told apart by destination tag, so the tag must be sent with the payment.

  • NetworkXRP Ledger
  • Confirmations needed1
  • Typical payout confirmationconfirms in seconds
  • Payout network feepaid by Cambio out of the payout
What you need to know

Before you swap USDC to XRP on XRP Ledger.

Not a bridge — direct settlement. Cross-network swaps on Cambio never route through a bridge. Your USDC deposit stays an ordinary Ethereum transaction, and the XRP payout is an ordinary XRP Ledger transaction. The two chains never exchange messages, so there is no bridge contract to trust and no wrapped representation of your asset.
Destination must be a XRP Ledger address. The payout address you provide must be a XRP Ledger address. Addresses from other networks will fail validation in the composer before anything is sent — Cambio checks the address family against the destination network so a mistake stops at the form, not on-chain.
Cambio pays the payout network fee. The XRP Ledger network fee for delivering your XRP is paid out of the quoted amount — what the card shows as "you receive" is what actually arrives. No surprise deductions after the fact.
Per-swap cap: USD 1,000. Cambio’s launch window caps every swap at USD 1,000. Above the cap the request is refused outright rather than silently split — the card tells you before any deposit address is issued.
Screened before you send. Cambio runs its checks before a deposit address is ever issued. If a swap cannot complete, it never starts — there is no "funds under review" limbo after the fact.
What XRP on XRP Ledger is good for. XRP Ledger is settles in seconds, and costs the same whatever the size. If your next move is sending the XRP onward — to an exchange, a wallet, or a counterparty — the destination network’s fee profile is part of the choice, and it’s one the AI will happily talk through before you swap.
Questions

USDC to XRP on XRP Ledger — frequently asked.

Is this a bridge swap?

No. Your USDC goes to a Cambio deposit address on Ethereum as an ordinary transfer, and you receive XRP on XRP Ledger as an ordinary XRP Ledger transaction. No bridge contract, no wrapped assets, no cross-chain messages.

How long does the swap take?

The deposit side on Ethereum confirms in well under a minute; the payout on XRP Ledger confirms in seconds. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.

Do I need to verify my identity?

No account or sign-up is needed. Every swap is screened against sanctions and on-chain risk lists before a deposit address is issued; in line with applicable law and our risk-based AML policy, identity verification may be requested where screening flags elevated risk.

What is the maximum I can swap?

USD 1,000 per swap during the launch window, enforced before a deposit address is issued. The live card shows the exact minimum and maximum for this pair at the moment you quote.

Can I receive the XRP into an exchange account?

Yes — on the exchange’s deposit screen pick XRP and make sure the network is XRP Ledger, then paste that deposit address into the Cambio composer as your destination. If the network on the exchange side doesn’t match, don’t send — ask the AI and it will walk you through it.

Why use Cambio for this pair?

Every quote ships with a live comparison against the biggest instant exchanges — including when we lose — and the number on the card is the number that settles. Pricing is chain-aware, the route has no bridge exposure, and screening happens before your deposit, never after.