01
Tell Cambio what you want
Type "swap 1 XRP to XMR on Monero" into the composer. The AI parses your intent, confirms XRP Ledger as the source and Monero as the destination, and returns a live quote with the full competitor comparison alongside it.
Swap XRP on XRP Ledger to XMR on Monero. Better.
One deposit on XRP Ledger, one direct payout on Monero. Non-custodial, no account, and the AI shows you the full price comparison before you commit.
EXCHANGE
Create an exchange
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 → XMR
Live rateYou sendRipple
You getMonero
Destination
AIDo the same swap by just saying it: “Swap 50 XRP to XMR”→
How it works
Swap XRP to XMR in three steps.
No accounts, no waiting. Tell Cambio what you want, send your XRP, and the XMR lands in your wallet in under a minute.
02
Send XRP to the deposit address
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.
03
XMR arrives on Monero
Once your deposit confirms, the payout goes out to your Monero address directly — Monero typically confirms in about 20 minutes. No bridge hop, no wrapped assets, no waiting on a second protocol.
Live comparison
On 50 XRP, Alfacash pays the most on the board.
Live quotes from every exchange that answered, at exactly this size: XRP → XMR on MONERO
Send 50 XRP → Receive XMR (MONERO)
Minimum 3.6622 XRP · maximum 10986.5963 XRP per swap
Alfacash Best
Alfacash delivers the most here — 5.92% more than ChangeNOW, but it has not stated its network fee, so that figure is a ceiling rather than a promise. SimpleSwap is 6.68% behind on paper and is one of the few whose number we can confirm.
You receive0.13116 XMRNetwork feenot statedID checkKYC rareTimenot stated
| # | Exchange | You receive | Network fee | All-in cost, to scale | vs best |
|---|---|---|---|---|---|
| 1 | AlfacashBest KYC rare | 0.13116 XMR | not stated | 2.04% | Best |
| 2 | ChangeNOW KYC rare | 0.12383 XMR | not stated | 7.52% | −0.0073292-5.59% |
| 3 | SimpleSwap KYC rare | 0.1224 XMR | included | 8.58% | −0.0087592-6.68% |
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.
Cambio has no row on this route: the swap runs at the best exchange above, at that exchange’s own price.
Every row is a live quote from that exchange’s own API at the time shown, for this exact size, as it would pay out through Cambio. Exchange names belong to their owners.
THIS CORRIDOR, IN NUMBERS
XRP on XRP Ledger → XMR on Monero
What XRP → XMR actually costs
- You send 50 XRP on XRP Ledger.
- You receive 0.13116219999999998 XMR.
- The smallest swap this corridor accepts is 3.6622 XRP.
Why this pair behaves the way it does
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.
XMR is Monero's own coin; the payout pays its cost from the amount itself.
Floor on Monero: 0.7%. Below that the corridor stops covering settlement.
XMR on Monero carries 12 decimals, so every amount on this page is quoted to that precision and no further.
How long XRP on XRP Ledger takes to clear
Cambio waits 1 confirmations on XRP Ledger, then sends the payout immediately. End to end this corridor typically takes 3–10 min.
XRP on XRP Ledger → XMR on Monero, in numbers
| Minimum | 3.6622 XRP |
|---|---|
| Maximum | 10986.5963 XRP |
| Commission floor | 0.7% |
| Confirmations | 1 on XRP Ledger |
| Typical time | 3–10 min |
| XMR precision | 12 (XMR) |
| XRP precision | 6 (XRP) |
| For 1 XRP on XRP Ledger | 0.002623244 XMR |
| For 1 XMR on Monero | 381.207391 XRP |
| Smallest payout | 0.00960684 XMR |
| Largest payout | 28.8205 XMR |
The two coins
What you’re actually swapping.
Two different assets, two different on-chain stories. Here’s the minimum you should know before you send anything.
XRP
XRP Ledger native
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.
- NetworkXRP Ledger
- Confirmations needed1
- Average block time~4-second ledger closes
XMR
Monero native
XMR is the native asset of Monero. Sending XMR is an ordinary native transfer — no token approval, no contract interaction. Monero typically confirms in about 20 minutes, and deposits are subaddresses of one wallet, so nothing here derives a per-user key.
- NetworkMonero
- Confirmations needed20
- Typical payout confirmationtypically confirms in about 20 minutes
What you need to know
Before you swap XRP to XMR on Monero.
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 | 3 of 9 at 50 XRP |
| Best-to-worst gap, by size | 6.68% at 50 XRP |
| Our place, by size | not offered at 50 XRP |
| Confirmations we wait for on XRP Ledger | 1 |
| Typical time, deposit to payout | 3–10 min |
Questions
XRP to XMR on Monero — frequently asked.
Is this a bridge swap?
No. Your XRP goes to a Cambio deposit address on XRP Ledger as an ordinary transfer, and you receive XMR on Monero as an ordinary Monero transaction. No bridge contract, no wrapped assets, no cross-chain messages.
How long does the swap take?
The deposit side on XRP Ledger confirms in seconds; the payout on Monero typically confirms in about 20 minutes. The status card tracks every stage live — detection, confirmation, payout — so you are never guessing which side you are waiting on.
Do I need to verify my identity?
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.
What is the maximum I can swap?
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.
Can I receive the XMR into an exchange account?
Yes — on the exchange’s deposit screen pick XMR and make sure the network is Monero, 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.
Why use Cambio for this pair?
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.
Other swaps
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