No KYC · Non-custodial · Private

MATIC/XRP wallet exchange

Swap Polygon for Ripple without building a ToSwap profile. Low fees, top rates where the market allows, and no user dossier on file. Deposit MATIC, wait for confirmations, receive XRP on XRP Ledger.

    Start swap

    You Send
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    All fees included
    Estimated rate: -
    You Get
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    Three steps on ToSwap

    1. Set the MATIC amount and paste the Ripple address that should collect payout on XRP Ledger.

    2. Tap Exchange to lock the live ToSwap quote and reveal this order’s deposit details.

    3. Send exactly that MATIC amount to the deposit. After Polygon mainnet confirms, XRP is pushed to your wallet.

    Before you broadcast

    • Polygon confirmations are usually fast — often within a minute.
    • Send MATIC on Polygon PoS mainnet only — not Ethereum or other L2s unless your order says otherwise.
    • Use a Polygon-compatible wallet and address (0x…). Leave enough MATIC for gas.
    • If XRP is late, refresh your wallet and re-check the order status. When a payout hash is already listed, email or SimpleX support with your Exchange ID — ToSwap has no login that can reopen expired pages.
    You send

    Polygon — low-cost EVM layer-2

    MATIC (POL) powers Polygon — fast EVM transfers, low fees, and wide DeFi and bridge liquidity.

    MATIC on Polygon mainnet

    Use a Polygon PoS wallet for deposits. Do not send MATIC on Ethereum mainnet — wrapped versions are different assets.

    Leave enough MATIC in your wallet to cover gas on top of the swap amount.

    You receive

    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.

    Deposit checklist

    Chain mismatches and bad addresses are the usual failure modes — skim these notes before you fund the deposit.

    Sent crypto to the wrong network? Wrong chain sends often cannot be reversed — learn what to check first. Polygon (MATIC) deposit mistakes Polygon PoS tokens are not Ethereum mainnet tokens. XRP destination tags explained When a destination tag is required and what happens if it is missing. Deposit amount must match exactly Under- and over-payments can delay or fail automated crediting.

    How ToSwap works

    Asset hubs

    More anonymous no-KYC lanes and chain notes for each coin.

    MATIC Swap Polygon (MATIC) — no KYC hub XRP Swap Ripple (XRP) — no KYC hub

    Other pairs on this route

    XRP → MATIC XRP to MATIC via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → BTC Convert Polygon to Bitcoin with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → XMR Convert Polygon to Monero with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → ETH Convert Polygon to Ethereum with top rates and low fees where the market allows. No profile, no hosted balance. MATIC → USDT MATIC to USDT via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → USDT Instant Polygon → Tether: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → USDC Exchange MATIC for USDC without signup — privacy-first, non-custodial, fees shown before you send. MATIC → SOL Exchange MATIC for SOL without signup — privacy-first, non-custodial, fees shown before you send. MATIC → ZEC Exchange MATIC for ZEC without signup — privacy-first, non-custodial, fees shown before you send. MATIC → BNB MATIC to BNB via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit. MATIC → LTC Instant Polygon → Litecoin: anonymous no-KYC, wallet-to-wallet, payout after confirmation. MATIC → TRX MATIC to TRX via ToSwap: fast, secure, no user data stored — paste a receive address and broadcast the deposit.

    FAQ for this route

    Is KYC or a ToSwap account required for MATIC → XRP?

    No. ToSwap never opens a profile or asks for ID documents on a standard Polygon to Ripple order. You stay non-custodial on both legs.

    How fast does XRP usually arrive?

    Many payouts leave within minutes after the Polygon mainnet deposit confirms. Congestion on Polygon mainnet or XRP Ledger can stretch that — fees and mempools set the clock, not a manual review.

    Does ToSwap hold my MATIC or XRP?

    No hosted balance. You broadcast MATIC from a wallet you control; XRP is paid only to the address you paste. Nothing sits under a ToSwap username.

    What if I send MATIC on the wrong network?

    Match Polygon mainnet exactly as printed on the order badge. A wrong-chain deposit often cannot be credited automatically — double-check before you broadcast.