01
Tell Cambio what you want
Describe the swap in one sentence. The AI resolves both networks, quotes a live rate, and shows how that rate stacks up against the biggest exchanges before you commit to anything.
Swap XMR on Monero to XRP on XRP Ledger. Better.
Tell the AI what you want, send one deposit, receive XRP on XRP Ledger. No bridge, no stored balances, and the comparison table runs on every quote.
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.
XMR → XRP
Live rateYou sendMonero
You getRipple
Destination
AIDo the same swap by just saying it: “Swap 0.2 XMR to XRP”→
How it works
Swap XMR to XRP in three steps.
No accounts, no waiting. Tell Cambio what you want, send your XMR, and the XRP lands in your wallet in under a minute.
02
Send XMR to the deposit address
Cambio generates a one-time deposit address on Monero. Send your XMR there — Monero typically confirms in about 20 minutes, and the card tracks every confirmation in real time.
03
XRP arrives on XRP Ledger
After confirmation, Cambio settles XRP straight to your destination address on XRP Ledger, which confirms in seconds. The receipt card shows the completed payout and the transaction hash.
Live comparison
On 0.2 XMR you get 0.03263 XRP more with Cambio.
Comparison vs the biggest aggregators — live rates where available, their published commissions (· est.) otherwise: XMR → 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 The withdrawal fee is in neither number, and most exchanges do not publish theirs — which is why it appears below as a hatched mark and never as a figure.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.
Send 0.2 XMR → Receive XRP (RIPPLE)
Minimum 0.00216 XMR · maximum 5.451 XMR per swap
CambioBest
You receive
65.0316 XRP
Effective rate 325.16
What it costs you
0.35% commissionno withdrawal fee
vs best rival
+0.05%
+0.03263 XRP
Compared against
You receive
What it costs you
vs us
SimpleSwap · est.
projected from this exchange’s published commission
You receive64.9990 XRP
What it costs you
0.40% commission+ withdrawal fee, not published
−0.05%
−0.03263 XRP
StealthEX · est.
projected from this exchange’s published commission
You receive64.9663 XRP
What it costs you
0.45% commission+ withdrawal fee, not published
−0.10%
−0.06526 XRP
FixedFloat
observed on this corridor
You receive64.9588 XRP
What it costs you
0.46% commission+ withdrawal fee, not published
−0.11%
−0.072844 XRP
ChangeNOW · est.
projected from this exchange’s published commission
You receive64.9337 XRP
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.09789 XRP
Swapter · est.
projected from this exchange’s published commission
You receive64.9337 XRP
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.09789 XRP
StreamX · est.
projected from this exchange’s published commission
You receive64.9337 XRP
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.09789 XRP
EasyBit · est.
projected from this exchange’s published commission
You receive64.9337 XRP
What it costs you
0.50% commission+ withdrawal fee, not published
−0.15%
−0.09789 XRP
Alfacash
observed on this corridor
You receive64.6958 XRP
What it costs you
0.86% commission+ withdrawal fee, not published
−0.51%
−0.33577 XRP
ChangeHero
observed on this corridor
You receive64.5262 XRP
What it costs you
1.12% commission+ withdrawal fee, not published
−0.77%
−0.50542 XRP
our commissiontheir commissionwithdrawal fee — exists; size not published, width not to scaleno withdrawal fee — ours, on this corridor
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.
Rates from Bestchange · Updated every 5 minutes · Trademarks property of their respective owners
THIS CORRIDOR, IN NUMBERS
XMR on Monero → XRP on XRP Ledger
What XMR → XRP actually costs
- You send 0.2 XMR on Monero.
- Cambio's commission is 0.35% of the amount, taken from the rate rather than added on top.
- Delivering XRP on XRP Ledger costs 0.000012 XRP, about a fraction of a cent at today's price.
- You receive 65.0316 XRP.
- The smallest swap this corridor accepts is 0.00216 XMR — ten times the 0.000012 XRP delivery fee, because below that the fee would take most of the XRP you receive.
Why this pair behaves the way it does
20 confirmations on Monero — the longest deposit wait Cambio supports.
0.000012 XRP to deliver on XRP Ledger — a fraction of a cent, so the minimum here is only 0.00216 XMR.
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.
How long XMR on Monero takes to clear
Cambio waits 20 confirmations on Monero, then sends the payout immediately. End to end this corridor typically takes 1–2 min.
XMR on Monero → XRP on XRP Ledger, in numbers
| Minimum | 0.00216 XMR |
|---|---|
| Maximum | 5.451 XMR |
| Delivery fee | 0.000012 XRP (a fraction of a cent) |
| Cambio commission | 0.35% |
| Commission floor | 0.35% |
| Confirmations | 20 on Monero |
| Typical time | 1–2 min |
| XRP precision | 6 (XRP) |
| XMR precision | 12 (XMR) |
| For 1 XMR on Monero | 325.158 XRP |
| For 1 XRP on XRP Ledger | 0.0030754279 XMR |
| Smallest payout | 0.70201612 XRP |
| Largest payout | 1,772.43 XRP |
| Delivery fee at the minimum | 0.00171% |
What is the minimum for XMR → XRP on XRP Ledger?
0.00216 XMR. 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.
How many confirmations does a XMR deposit need?
20 on Monero. The payout is sent immediately after, so the wait you experience is the confirmation wait, not queueing on Cambio's side.
What delivery fee applies to XRP on XRP Ledger?
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.
Does a XRP Ledger payout need a destination tag?
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.
Is the XMR → XRP rate shown here the rate I get?
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.
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.
XMR
Monero native
XMR is the native asset of Monero. Sending XMR is an ordinary native transfer — no token approval, no contract interaction. Monero typically confirms in about 20 minutes, and deposits are subaddresses of one wallet, so nothing here derives a per-user key.
- NetworkMonero
- Confirmations needed1
- Average block time~2-minute blocks
- Network fee profilelow network fees that vary with transaction size
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 XMR to XRP on XRP Ledger.
Not a bridge — direct settlement. There is no lock-and-mint anywhere in this swap: you send XMR on Monero, and Cambio settles XRP to you directly on XRP Ledger. Nothing synthetic stands in for your coins at any point.
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
XMR to XRP on XRP Ledger — frequently asked.
Does this route use a bridge?
No. Your XMR goes to a Cambio deposit address on Monero 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 Monero typically confirms in about 20 minutes; 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.
Is there sign-up or KYC?
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.
What makes Cambio better on this route?
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.
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