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Swapping Monero for XRP is a common move for traders shifting from a privacy-focused asset to a fast-settlement token used across payments and decentralized finance. XMR trades near $321 while XRP sits around $1.12, so small percentage moves in either asset can meaningfully affect the final amount you receive. Zest Exchange lets you complete this swap without creating an account, with rates shown on-screen before you confirm.
Because XMR confirmation times can vary and both assets have shown meaningful short-term price movement, a fixed rate helps protect the amount of XRP you receive from changing while your Monero deposit is still confirming. You can still choose fixed or floating in the swap form before creating the order.
Open the exchange widget and select XMR as the send currency and XRP as the receive currency.
Enter the amount of XMR you want to exchange. The widget shows the live rate and minimum amount for this pair.
Paste your XRP wallet address into the recipient field, select the correct network (XRP Ledger or BNB Smart Chain), and enter your destination tag if your wallet or exchange requires one.
Click Exchange and send your XMR to the deposit address shown. Your XRP will be dispatched once the Monero transaction confirms on-chain.
Monero operates on its own native network, so there is only one send-side option—make sure your wallet is sending XMR on the XMR network and not a wrapped version. On the receive side, XRP is available on both the XRP Ledger and BNB Smart Chain, so you must select the network that matches your destination wallet before confirming. XRP Ledger addresses frequently require a destination tag to credit your account correctly; if your exchange, wallet, or custodian requires one, enter it in the tag field—omitting it can result in funds being unrecoverable. Monero transactions involve multiple confirmation steps due to the network's privacy architecture, which means deposit processing can take longer than many other coins and depends on network conditions at the time of the swap. Review the quoted rate, the destination address, the chosen XRP network, and the destination tag carefully before sending your XMR.
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Monero
XMR
$321.36
+2.08% 24hPrice
$321.36
7d Change
-6.38%
Market Cap
$6.03B
24h Volume
$115.66M
Monero (XMR) is a cryptocurrency . Users are able to generate XMR through the process of mining. Monero has a current supply of 18,762,648.18233652. The last known price of Monero is 322.31066303 USD and is up 2.30 over the last 24 hours. It is currently trading on 370 active market(s) with $116,358,016.42 traded over the last 24 hours. More information can be found at https://www.getmonero.org/.
Tags
Whether a destination tag is required depends on where you are receiving the XRP. Centralized exchanges and some custodial wallets require a tag to identify your account; without it, the funds may not be credited and could be difficult to recover. If your XRP wallet is non-custodial and self-hosted, a tag is typically not required. Always check your receiving platform's requirements before confirming the swap.
Choose the network that your destination wallet or exchange actually supports. Native XRP held on most exchanges and hardware wallets uses the XRP Ledger, while BNB Smart Chain XRP is a wrapped token used in BSC-based DeFi. Sending to the wrong network can result in inaccessible funds, so confirm with your receiving wallet before selecting.
Monero's privacy protocol requires a higher number of confirmations before a deposit is considered final, which adds time compared to more transparent blockchains. The exact wait depends on current Monero network congestion and the confirmation threshold applied. Plan for a longer processing window than you might expect with Bitcoin or Ethereum-based swaps.
XRP
XRP
$1.14
-0.74% 24hPrice
$1.14
7d Change
+2.26%
Market Cap
$70.49B
24h Volume
$1.55B
Total time depends on how quickly your XMR deposit confirms on the Monero network, the exchange processing step, and then the XRP payout confirming on its chosen network. Monero confirmations alone can take longer than many other chains due to its privacy architecture. Network conditions at the time of the swap affect the overall duration, so there is no fixed guaranteed timeframe.
Zest Exchange requires no signup or account creation for standard swaps, and the exchange is non-custodial, meaning your funds are not held on the platform. Monero itself adds on-chain privacy through its protocol design. However, no exchange can guarantee complete anonymity in every circumstance, and certain regulatory situations may require additional checks regardless of platform policy.
XMR → DOGE
