No KYC · Non-custodial · Private

XRP/XMR wallet exchange

Looking for XMR on Monero mainnet? Keep custody of both ends: quote on ToSwap, push Ripple from your wallet, collect Monero 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 XRP amount and paste the Monero address that should collect payout on Monero mainnet.

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

    3. Send exactly that XRP amount to the deposit. After XRP Ledger confirms, XMR is pushed to your wallet.

    Before you broadcast

    • XRP Ledger confirmations are typically very fast — often seconds.
    • If your receiving account requires a destination tag, enter it exactly on the order form.
    • Leave enough XRP reserve if your wallet requires a minimum balance to activate the account.
    • If XMR 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

    XRP — fast ledger settlements

    XRP moves quickly on the XRP Ledger — designed for rapid settlement with minimal transaction fees.

    Destination tags on XRP

    Exchanges and custodial wallets often require a destination tag — missing tags delay or complicate crediting.

    Self-custody addresses may not need a tag; check what your wallet provider expects.

    You receive

    Monero on ToSwap — privacy by default

    XMR hides amounts and destinations on-chain. Prefer a fresh subaddress per ToSwap order; after payout, give your wallet time to scan before you assume the GUI is wrong.

    XMR payout not showing?

    Wait for wallet sync to complete — Monero often needs several minutes to reflect incoming outputs.

    If the order lists a payout tx but your synced wallet shows nothing, contact support.

    Receiving XMR with privacy intact

    Monero payouts use one-time addresses — your wallet must finish scanning recent blocks to display the balance.

    • Use a fresh subaddress for each swap rather than reusing old receive addresses.
    • Compare your wallet block height with a public explorer before assuming a payout failed.
    • Allow extra time after the order shows sent — privacy features can delay wallet display.

    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. Prove a Monero transaction you sent Verify an XMR payment when your wallet is still syncing. 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 ToSwap works

    Asset hubs

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

    XRP Swap Ripple (XRP) — no KYC hub XMR Swap Monero (XMR) — no KYC hub

    Other pairs on this route

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

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

    How fast does XMR usually arrive?

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

    Does ToSwap hold my XRP or XMR?

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

    What if I send XRP on the wrong network?

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