Convert XRP (XRP) to USD Coin (USDC)
1 XRP equals about 1.005516 USDC. Swap XRP to USD Coin natively across chains with live rates and low fees.
Last updated: Aug 11, 2026, 10:09 AM UTC
How to convert XRP to USD Coin
- 1
Enter an amount
Type how much XRP you want to swap. The estimated USD Coin you receive updates instantly.
- 2
Open the swap
Tap "Swap on NativeSwap" to carry your pair and amount straight into the app.
- 3
Connect and confirm
Connect your wallet, review the route, and confirm. Your USD Coin arrives at your address.
Why swap XRP on NativeSwap
Settlement
Timing follows each chain's confirmations. You see an estimate first.
Self-custody
Your keys, your crypto. We never hold your funds.
No bridges
Native cross-chain routing, no wrapped tokens.
Low fees
A clear ~10-15 bps fee, shown before you confirm.
How the XRP to USDC route works
This route spans two networks: XRP leaves your wallet on the XRP Ledger and USDC settles on Ethereum. NativeSwap routes it natively, so no centralized bridge sits in the middle and you do not receive a wrapped token.
- You send
- XRP is the native coin of the XRP Ledger. You sign the transaction on the XRP Ledger, so that network's gas fee applies.
- You receive
- this route uses USDC on Ethereum. USD Coin arrives at an address you control on Ethereum.
XRP settles on the XRP Ledger; USD Coin settles on Ethereum. Assets issued on more than one network can be routed on a different chain. You pay network gas on the XRP Ledger plus a service fee of roughly 10-15 basis points; swaps under $10 have no service fee. Settlement time depends on how quickly each network confirms, and an estimate is shown before you confirm.
XRP to USDC - frequently asked questions
How much USDC do I get for 1 XRP?
At current market rates, 1 XRP converts to about 1.005516 USDC. The rate moves with the market, so check the live figure above before you swap.
How much XRP do I get for 1 USDC?
Going the other way, 1 USDC is roughly 0.994515 XRP. Use the calculator above for any amount.
What is 1 XRP worth in USD?
1 XRP is currently about $1.01 USD. Prices refresh regularly to track the market.
Is the XRP to USDC swap non-custodial?
Yes. NativeSwap is an interface only. Your XRP moves from your wallet to the decentralized protocol you pick, then your USD Coin lands at your address. We never hold the funds.
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Moving stablecoins across chains
NativeSwap moves USDC and USDT between blockchains without a centralized bridge. Pick the source and destination chain in the app, and your stablecoins settle natively on the other side with minimal slippage.