One deposit on XRP Ledger, one direct payout on Ethereum. Non-custodial, no account, and the AI shows you the full price comparison before you commit.
Live rate, no account, and an order ID to track it — or skip the form and just tell our AI the swap you want.
XRP → USDC
Live rateNo accounts, no waiting. Tell Cambio what you want, send your XRP, and the USDC lands in your wallet in under a minute.
Type "swap 1 XRP to USDC on Ethereum" into the composer. The AI parses your intent, confirms XRP Ledger as the source and Ethereum as the destination, and returns a live quote with the full competitor comparison alongside it.
Cambio generates a one-time deposit address on XRP Ledger. Send your XRP there — XRP Ledger confirms in seconds, and the card tracks every confirmation in real time.
Once your deposit confirms, the payout goes out to your Ethereum address directly — Ethereum confirms in well under a minute. No bridge hop, no wrapped assets, no waiting on a second protocol.
Live quotes from every exchange that answered, at exactly this size: XRP → USDC on ETHEREUM
Cambio delivers the most here — 0.09% more than ChangeNOW, 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 | 67.8282 USDC | 0.8 USDC | 1.65% | Best |
| 2 | ChangeNOW KYC rare | 67.7686 USDC | not stated | 1.73% | −0.0596-0.09% |
| 3 | SimpleSwap KYC rare | 67.5141 USDC | included | 2.10% | −0.3141-0.46% |
| 4 | ChangeHero KYC possible | 67.3585 USDC | 0.5 USDC | 2.33% | −0.4697-0.69% |
| 5 | Alfacash KYC rare | 67.3083 USDC | not stated | 2.40% | −0.5199-0.77% |
| 6 | SideShift.ai KYC possible | 67.2591 USDC | not stated | 2.47% | −0.5691-0.84% |
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.
XRP Ledger settles in seconds, but it identifies a recipient by a destination tag as well as by an address.
Sending from XRP Ledger means the deposit carries a tag as well as an address; Cambio gives you both.
USDC on Ethereum is a token, so sending it also needs Ethereum's own coin for gas. Cambio funds that separately, which is why the USDC side is capped by what the wallet holds rather than by a policy number.
Floor on Ethereum: 0.455%. Below that the corridor stops covering settlement.
USDC on Ethereum carries 6 decimals, so every amount on this page is quoted to that precision and no further.
Cambio waits 1 confirmations on XRP Ledger, then sends the payout immediately. End to end this corridor typically takes ~5 min.
| Minimum | 2.3948 XRP |
|---|---|
| Maximum | 10986.5963 XRP |
| Commission floor | 0.455% |
| Confirmations | 1 on XRP Ledger |
| Typical time | ~5 min |
| USDC precision | 6 (USDC) |
| USDC contract on Ethereum | 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 |
| XRP precision | 6 (XRP) |
| For 1 XRP on XRP Ledger | 1.35656436 USDC |
| For 1 USDC on Ethereum | 0.73715633 XRP |
| Smallest payout | 3.2487 USDC |
| Largest payout | 14,904.02 USDC |
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
XRP is the native asset of the XRP Ledger. Sending XRP is an ordinary native transfer — no token approval, no contract interaction. XRP Ledger confirms in seconds, and deposits share one address and are told apart by destination tag, so the tag must be sent with the payment.
USDC on Ethereum is the canonical, issuer-native USDC. The network confirms in well under a minute, with gas is the price of L1 — it rises when the chain is busy — and this is the issuer-native home of USDC.
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 | 3.6622 XRP |
|---|---|
| Largest swap this corridor accepts | 10986.5963 XRP |
| Exchanges quoting this route, by size | 5 of 9 at 50 XRP |
| Best-to-worst gap, by size | 0.75% at 50 XRP |
| Our place, by size | 1 of 6 at 50 XRP |
| Confirmations we wait for on XRP Ledger | 1 |
| Typical time, deposit to payout | ~5 min |
| USDC contract on Ethereum | 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 |
No. Your XRP goes to a Cambio deposit address on XRP Ledger as an ordinary transfer, and you receive USDC on Ethereum as an ordinary Ethereum transaction. No bridge contract, no wrapped assets, no cross-chain messages.
The deposit side on XRP Ledger confirms in seconds; the payout on Ethereum confirms in well under a minute. 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 USDC and make sure the network is Ethereum (ERC20), 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.
