One deposit on XRP Ledger, one direct payout on Arbitrum. 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 → USDT
Live rateNo accounts, no waiting. Tell Cambio what you want, send your XRP, and the USDT lands in your wallet in under a minute.
Type "swap 1 XRP to USDT on Arbitrum" into the composer. The AI parses your intent, confirms XRP Ledger as the source and Arbitrum 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 Arbitrum address directly — Arbitrum 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: XRP → USDT on ARBITRUM
Cambio delivers the most here — 0.68% 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 | 68.5379 USDT | 0.1 USDT | 0.62% | Best |
| 2 | ChangeNOW KYC rare | 68.0748 USDT | not stated | 1.29% | −0.4631-0.68% |
| 3 | ChangeHero KYC possible | 67.8647 USDT | 0.25 USDT | 1.60% | −0.6732-0.98% |
| 4 | SideShift.ai KYC possible | 67.4598 USDT | not stated | 2.18% | −1.0781-1.57% |
| 5 | SimpleSwap KYC rare | 67.3881 USDT | included | 2.29% | −1.1498-1.68% |
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.
USDT on Arbitrum is a token, so sending it also needs Arbitrum's own coin for gas. Cambio funds that separately, which is why the USDT side is capped by what the wallet holds rather than by a policy number.
Floor on Arbitrum: 0.35%. Below that the corridor stops covering settlement.
USDT on Arbitrum 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 | 2.3981 XRP |
|---|---|
| Maximum | 10986.5963 XRP |
| Commission floor | 0.35% |
| Confirmations | 1 on XRP Ledger |
| Typical time | ~5 min |
| USDT precision | 6 (USDT) |
| USDT contract on Arbitrum | 0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9 |
| XRP precision | 6 (XRP) |
| For 1 XRP on XRP Ledger | 1.370758 USDT |
| For 1 USDT on Arbitrum | 0.72952337 XRP |
| Smallest payout | 3.2872 USDT |
| Largest payout | 15,059.96 USDT |
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.
USDT on Arbitrum is dollar-pegged USDT in the Ethereum ecosystem at rollup fees. The network confirms in seconds, with L2 fees — a fraction of Ethereum L1 gas — and you get Ethereum-ecosystem USDT without paying L1 gas.
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 | 4 of 9 at 50 XRP |
| Best-to-worst gap, by size | 1.01% at 50 XRP |
| Our place, by size | 1 of 5 at 50 XRP |
| Confirmations we wait for on XRP Ledger | 1 |
| Typical time, deposit to payout | ~5 min |
| USDT contract on Arbitrum | 0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9 |
No. Your XRP goes to a Cambio deposit address on XRP Ledger as an ordinary transfer, and you receive USDT on Arbitrum as an ordinary Arbitrum transaction. No bridge contract, no wrapped assets, no cross-chain messages.
The deposit side on XRP Ledger confirms in seconds; the payout on Arbitrum 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 USDT and make sure the network is Arbitrum (ERC20 (Arbitrum)), 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.
