No KYC · Non-custodial · Private

Swap Stellar → Ripple (no KYC)

Looking for XRP on XRP Ledger? Keep custody of both ends: quote on ToSwap, push Stellar from your wallet, collect Ripple automatically once the deposit depth clears. Private by design — no account to open.

    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 XLM 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 XLM amount to the deposit. After Stellar mainnet confirms, XRP is pushed to your wallet.

    Before you broadcast

    • Stellar confirmations are typically very fast — often within seconds.
    • A minimum XLM balance may be required to activate or maintain your Stellar account.
    • Use a Stellar mainnet address (starts with G…). Include a memo if your receive wallet or exchange requires one.
    • 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

    Stellar — fast payments network

    XLM (Stellar Lumens) powers the Stellar network — built for low-cost cross-border transfers and tokenized assets.

    Sending XLM on Stellar

    Send native XLM on Stellar mainnet from a compatible wallet.

    If your payout destination requires a memo, enter it exactly on your order form — missing memos are a common support issue.

    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.

    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. What each swap status means From awaiting deposit to complete — read each status on your order page. How to track swap order status Use your exchange ID and read each status on the order page.

    How ToSwap works

    Asset hubs

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

    XLM Swap Stellar (XLM) — no KYC hub XRP Swap Ripple (XRP) — no KYC hub

    Other pairs on this route

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

    FAQ for this route

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

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

    How fast does XRP usually arrive?

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

    Does ToSwap hold my XLM or XRP?

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

    What if I send XLM on the wrong network?

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