A conversation instead of a form: quote it, compare it live, execute it. Your XRP settles directly on XRP Ledger.
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
USDT → XRP
Live rateNo accounts, no waiting. Tell Cambio what you want, send your USDT, and the XRP lands in your wallet in under a minute.
Type "swap 100 USDT to XRP on XRP Ledger" into the composer. The AI parses your intent, confirms BSC as the source and XRP Ledger as the destination, and returns a live quote with the full competitor comparison alongside it.
Cambio generates a one-time deposit address on BNB Smart Chain. Send your USDT there — BNB Smart Chain confirms in seconds, and the card tracks every confirmation in real time.
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.
Comparison vs the biggest aggregators — live rates where available, their published commissions (· est.) otherwise: USDT → XRP on RIPPLE
And that is only the half both quotes show you. The withdrawal fee is in neither number, and most exchanges do not publish theirs — which is why it appears below as a hatched mark and never as a figure. Ours on XRP Ledger is zero.
The solid segment is the commission, drawn to scale. The hatched mark carries no length at all — it sits outside the bar, at the same fixed width on every row, and means only that a withdrawal fee exists there and its size is not published. It is never a figure and never an estimate, and nothing on the commission scale can be read off it.
Commission and effective rate are the same fact, so we claim it once. Add the withdrawal fee and you have the whole bill: ours is zero on XRP Ledger, because a payout there costs a fraction of a cent and we do not mark it up.
For every other exchange in this table the second half of the bill is not in the quote you are shown, and we have not measured it — so we will not print a number under their name, and we will not draw one either.
A row tagged · est. is projected from that exchange’s own published commission rather than read off a quote; the line under each name says which it is.
Below $2,494 the withdrawal fee decides the outcome; above it the rate does. Saying it the other way round would be false, and we would rather tell you where our own argument stops.
BNB Smart Chain produces blocks several times a second, so the 4 confirmations Cambio waits for on your USDT pass almost immediately and the XRP payout is what you are actually waiting on.
0.000012 XRP to deliver on XRP Ledger — a fraction of a cent, so the minimum here is only 1 USDT.
XRP is XRP Ledger's own coin; the payout pays its cost from the amount itself.
A XRP Ledger payout needs a destination tag as well as an address. Send your XRP to one without the other and it lands in an exchange's pooled account rather than in yours.
Floor on XRP Ledger: 0.35%. Below that the corridor stops covering settlement.
XRP on XRP Ledger carries 6 decimals, so every amount on this page is quoted to that precision and no further.
Cambio waits 4 confirmations on BNB Smart Chain, then sends the payout immediately. End to end this corridor typically takes 1–2 min.
Each row below was quoted on BNB Smart Chain and compared against the same exchanges at that size. The XRP lands on XRP Ledger.
| You send | You receive | Per 1 USDT | Delivery fee | Our place |
|---|---|---|---|---|
| 100 USDT | 70.1958 XRP | 0.701958 | 0.0000171% | 1 of 10 |
| 500 USDT | 350.9791 XRP | 0.7019582 | 0.00000342% | 1 of 10 |
| 1,500 USDT | 1,052.94 XRP | 0.70195827 | 0.00000114% | 1 of 10 |
How much XRP each one delivers on XRP Ledger, quoted at the same moment for the same amounts. Rows marked est. are projected from a brand’s published commission rather than a live quote, and an exchange that beats us is shown beating us.
| XRP | 100 USDT | 500 USDT | 1,500 USDT |
|---|---|---|---|
| Cambio | 70.1958 | 350.9791 | 1,052.94 |
| StealthEX | 70.1254 · est. | 350.6269 · est. | 1,051.88 · est. |
| ChangeNOW | 70.0901 · est. | 350.4508 · est. | 1,051.35 · est. |
| Swapter | 70.0901 · est. | 350.4508 · est. | 1,051.35 · est. |
| StreamX | 70.0901 · est. | 350.4508 · est. | 1,051.35 · est. |
| FixedFloat | 70.0476 | 350.2379 | 1,050.71 |
| ChangeHero | 70.0032 | 350.0159 | 1,050.05 |
| Minimum | 1 USDT |
|---|---|
| Maximum | 2524.9744 USDT |
| Delivery fee | 0.000012 XRP (a fraction of a cent) |
| Cambio commission | 0.35% |
| Commission floor | 0.35% |
| Confirmations | 4 on BNB Smart Chain |
| Typical time | 1–2 min |
| XRP precision | 6 (XRP) |
| USDT contract on BNB Smart Chain | 0x55d398326f99059fF775485246999027B3197955 |
| USDT precision | 18 (USDT) |
| For 1 USDT on BNB Smart Chain | 0.701958 XRP |
| For 1 XRP on XRP Ledger | 1.42458666 USDT |
| Smallest payout | 0.701958 XRP |
| Largest payout | 1,772.43 XRP |
| Delivery fee at the minimum | 0.00171% |
1 USDT. The floor is set by what delivering XRP on XRP Ledger costs — 0.000012 XRP — and Cambio will not quote a swap where the delivery fee would take more than a tenth of the payout.
4 on BNB Smart Chain. The payout is sent immediately after, so the wait you experience is the confirmation wait, not queueing on Cambio's side.
0.000012 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.
Yes. XRP Ledger identifies the recipient by tag as well as by address. Give Cambio both and your XRP reaches you directly; give only an address and it may land in an exchange's pooled account.
Yes, within the quote's window — the 0.35% commission and the 0.000012 XRP delivery fee are already taken out of it, so the figure you see is what reaches your XRP Ledger wallet.
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDT on BNB Smart Chain is the exchange-default flavour of dollar-pegged USDT. The network confirms in seconds, with consistently low network fees — and it is the cheap-to-move USDT most CEX withdrawals default to.
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.
No. Your USDT goes to a Cambio deposit address on BSC 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.
The deposit side on BNB Smart Chain confirms in seconds; 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.
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.
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.
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.
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.
All from the 342 active launch-scope pairs. Each one has its own page with live rates, competitor comparison, and chain-specific notes.
