Exchange in 3 steps
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Choose how much USDT to send and enter your Ripple address on XRP Ledger.
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Hit Exchange to open your order page with the live rate and deposit details.
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Transfer USDT to the address on your order — after confirmations, XRP is sent to your wallet automatically.
What do you need to know?
- ERC-20 USDT follows Ethereum confirmation times.
- Send USDT on Ethereum mainnet only — not Tron TRC-20.
- Leave ETH in your wallet for gas when sending ERC-20 USDT.
- XRP not visible yet? Wait a few minutes, resync your wallet, then contact support with your order ID if the payout tx is already listed.
Tether — dollar-pegged stablecoin
USDT on Ethereum (ERC-20) is widely used in DeFi — send only on Ethereum mainnet.
USDT on Ethereum mainnet
Use an ERC-20 compatible Ethereum address. TRC-20 USDT is a different asset.
XRP — fast ledger settlements
XRP moves quickly on the XRP Ledger — designed for rapid settlement with minimal transaction fees.
XRP payout delays
If XRP is missing, verify destination tag requirements and that your wallet supports the XRP Ledger mainnet.
When will XRP arrive?
XRP Ledger settlements are among the fastest in crypto — often seconds after your deposit confirms.
- Check whether your receiving wallet requires a destination tag and that you entered it on the order form.
- Leave enough XRP reserve if your wallet needs a minimum balance to activate the account.
- Use the payout tx hash on an XRP Ledger explorer if your wallet balance has not updated.
Before you swap
Avoid wrong-network deposits and address format mistakes — read these guides first.
Step-by-step tutorial
Read the full walkthrough before you send your deposit.
Exchange Tether to Ripple Step-by-step Exchange Tether to Ripple guideCoin swap hubs
More no-KYC swap pairs and guides for each asset.
Frequently asked questions
Do I need KYC to swap USDT to XRP?
No. SendSwap is a non-custodial instant exchange — no account, no ID checks, and no KYC for Tether to Ripple swaps.
How long does USDT to XRP take?
Most swaps finish in 1–5 minutes. Timing depends on ERC-20 on Ethereum and XRP Ledger confirmations and current network load.
Is USDT to XRP non-custodial?
Yes. You send USDT from your wallet and receive XRP directly to the address you provide — SendSwap never holds your keys.
What if I send USDT on the wrong network?
Always match the network on your order page (ERC-20 on Ethereum for deposits). Wrong-network sends may not be credited — read our swap safety guides before you send.