Tell the AI what you want, send one deposit, receive XRP on XRP Ledger. No bridge, no stored balances, and the comparison table runs on every quote.
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
USDC → XRP
Live rateNo accounts, no waiting. Tell Cambio what you want, send your USDC, and the XRP lands in your wallet in under a minute.
Type "swap 100 USDC to XRP on XRP Ledger" into the composer. The AI parses your intent, confirms Arbitrum as the source and XRP Ledger as the destination, and returns a live quote with the full competitor comparison alongside it.
Cambio generates a one-time deposit address on Arbitrum. Send your USDC there — Arbitrum confirms in seconds, and the card tracks every confirmation in real time.
Once your deposit confirms, the payout goes out to your XRP Ledger address directly — XRP Ledger confirms in seconds. No bridge hop, no wrapped assets, no waiting on a second protocol.
Live quotes from every exchange that answered, at exactly this size: USDC → XRP on RIPPLE
Cambio delivers the most here — 0.16% more than Quickex, and it stated its network fee, so this figure is after that fee rather than before it. It is also the fastest, at about 5 minutes.
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | CambioBest KYC rare~5 min | 71.3731 XRP | 0.2 XRP | 0.51% | Best |
| 2 | Quickex KYC possible | 71.2600 XRP | 0.3 XRP | 0.66% | −0.1131-0.16% |
| 3 | ChangeHero KYC possible | 71.1466 XRP | 0.1 XRP | 0.82% | −0.2264-0.32% |
| 4 | ChangeNOW KYC rare | 71.0477 XRP | not stated | 0.96% | −0.3254-0.46% |
| 5 | SimpleSwap KYC rare | 70.9923 XRP | included | 1.04% | −0.3808-0.53% |
| 5 | StealthEX KYC rare | 70.9923 XRP | included | 1.04% | −0.3808-0.53% |
| 7 | SideShift.ai KYC possible | 70.5404 XRP | not stated | 1.67% | −0.8326-1.17% |
Network fee — a stated amount is what the exchange returned, and the figure shown is after it. “included” means the exchange’s own price already contains its network fee, not itemised. “not stated” means its API returned no fee, so that amount is a ceiling rather than a promise.
Every row is what that exchange would pay for this exact size, quoted live from its own API at the time shown and ranked by what lands in your wallet. The bar is each row’s all-in cost against the market rate at that moment, drawn to one scale — ours included.
Arbitrum produces blocks several times a second, so the 20 confirmations Cambio waits for on your USDC pass almost immediately and the XRP payout is what you are actually waiting on.
XRP is XRP Ledger's own coin; the payout pays its cost from the amount itself.
A XRP Ledger payout needs a destination tag as well as an address. Send your XRP to one without the other and it lands in an exchange's pooled account rather than in yours.
Floor on XRP Ledger: 0.35%. Below that the corridor stops covering settlement.
XRP on XRP Ledger carries 6 decimals, so every amount on this page is quoted to that precision and no further.
Cambio waits 20 confirmations on Arbitrum, then sends the payout immediately. End to end this corridor typically takes ~5 min.
| Minimum | 109.978 USDC |
|---|---|
| Maximum | 15000 USDC |
| Commission floor | 0.35% |
| Confirmations | 20 on Arbitrum |
| Typical time | ~5 min |
| XRP precision | 6 (XRP) |
| USDC contract on Arbitrum | 0xaf88d065e77c8cC2239327C5EDb3A432268e5831 |
| USDC precision | 6 (USDC) |
| For 1 USDC on Arbitrum | 0.71373059 XRP |
| For 1 XRP on XRP Ledger | 1.40108889 USDC |
| Smallest payout | 78.4947 XRP |
| Largest payout | 10,705.96 XRP |
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
USDC on Arbitrum is issuer-native USDC (not a bridged wrapper). The network confirms in seconds, with L2 fees — a fraction of Ethereum L1 gas — and Circle mints it directly on Arbitrum rather than bridging it over.
As the native asset of the XRP Ledger, XRP moves with a plain native transfer on XRP Ledger — a fixed fee of a fraction of a cent. Worth knowing: deposits share one address and are told apart by destination tag, so the tag must be sent with the payment.
Numbers to check before you send — every one of them belongs to this corridor and was read off the panel, not written for the page.
| Smallest swap this corridor accepts | 5 USDC |
|---|---|
| Largest swap this corridor accepts | 15000 USDC |
| Exchanges quoting this route, by size | 6 of 9 at 100 USDC |
| Best-to-worst gap, by size | 1.01% at 100 USDC |
| Our place, by size | 1 of 7 at 100 USDC |
| Confirmations we wait for on Arbitrum | 20 |
| Typical time, deposit to payout | ~5 min |
No. Your USDC goes to a Cambio deposit address on Arbitrum as an ordinary transfer, and you receive XRP on XRP Ledger as an ordinary XRP Ledger transaction. No bridge contract, no wrapped assets, no cross-chain messages.
The deposit side on Arbitrum confirms in seconds; the payout on XRP Ledger confirms in seconds. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.
No account or sign-up is needed. Every swap is screened against sanctions and on-chain risk lists before a deposit address is issued; in line with applicable law and our risk-based AML policy, identity verification may be requested where screening flags elevated risk.
The maximum is set live by the exchanges quoting this pair, not by a fixed Cambio cap. The live card shows the exact minimum and maximum at the moment you quote, before any deposit address is issued.
Yes — on the exchange’s deposit screen pick XRP and make sure the network is XRP Ledger, then paste that deposit address into the Cambio composer as your destination. If the network on the exchange side doesn’t match, don’t send — ask the AI and it will walk you through it.
Every quote ships with a live comparison against the biggest instant exchanges — including when we lose — and the number on the card is the number that settles. Pricing is chain-aware, the route has no bridge exposure, and screening happens before your deposit, never after.
All from the 62,231 active launch-scope pairs. Each one has its own page with live rates, competitor comparison, and chain-specific notes.
