Exchange XRP to XMR

Yes — when sending XRP via the XRP Ledger, a Destination Tag is required. Zest will display the tag alongside the deposit address, and you must include it exactly as shown. Sending XRP Ledger funds without the correct Destination Tag can cause your transaction to be unroutable or delayed.

XMR is a privacy coin that uses ring signatures and RingCT to keep transaction details confidential on its network, unlike XRP whose ledger transactions are publicly visible. Users who want their holdings or transfers to remain private often convert into XMR for this reason. The swap is a direct way to move liquid XRP value into a medium-of-exchange asset with strong on-chain privacy properties.

Zest supports XRP on both the XRP Ledger and BNB Smart Chain, so you must select the network that matches where your XRP is held. Sending on the wrong network means your funds will not arrive correctly, as the two networks are not interchangeable. Check your wallet or exchange to confirm which network your XRP is on before proceeding.

Zest is non-custodial and needs no account for standard swaps, so no identity is attached to the order itself. On-chain privacy still depends on the assets: XMR supports protocol-level privacy features, while transparent chains record amounts and addresses publicly. Swapping does not make a transparent chain private, and XMR confirmations can take longer than average.

Most users pick a fixed rate for this route: it locks the amount of XMR you receive when you create the order, so price movement while your XRP deposit confirms does not change the payout. A floating rate follows the market and can pay slightly more or less at execution time. You can choose either in the swap form before confirming.

Timing depends on how quickly your XRP deposit confirms on-chain, exchange processing, and XMR network conditions. Congestion on either network can extend the wait, and the order page tracks each step while your swap runs.

No signup is required for standard swaps. Zest is non-custodial — you send XRP from your own wallet and receive XMR at an address you control, with the rate shown before you confirm.