Swap XRP for USD Coin (USDC BASE)
The calculator does the maths at the live rate, the page lists the limits and the timing. Your rate is locked the moment the order is created.
Rate as of Nov 1, 2026 06:59
- Payout network
- BASE
- 24 hours
- −0.52%
You get
USDC BASE
Start the order
USDC BASE
The figure is indicative; the exact amount is locked in the order.
One XRP buys 1.2554 USDC BASE right now; the other way round, 1 USDC BASE is 0.796545 XRP. Market over 24 hours: XRP against USDC BASE minus 0.52%. The week added minus 4.5%.
The weekly corridor ran from 1.2196 to 1.3346 USDC BASE, a spread of 9.43%.
The payout leaves in the BASE network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($79.09 B) and USD Coin 6th ($71.71 B). Daily moves of XRP and USDC over 90 days line up at 0.08 (they travel apart).
Who takes the XRP → USDC BASE route
- Sitting out the swingsXRP moved −16.01% over the past month. USDC tracks the dollar, so after the swap the value stops following XRP.
- A road both waysThe USDC BASE → XRP direction is open too, so going back into XRP takes the same route.
XRP → USDC BASE rate and amounts
1 XRP = 1.2554 USDC BASE
1 USDC BASE = 0.796545 XRP
Send XRP — receive USDC BASE
| XRP | USDC BASE |
|---|---|
| 10 | 12.5542 |
| 50 | 62.7711 |
| 200 | 251.0842 |
| 2,000 | 2,510.84 |
| 10,000 | 12,554.21 |
| 50,000 | 62,771.06 |
Need USDC BASE — send this much XRP
| USDC BASE | XRP |
|---|---|
| 10 | 7.9655 |
| 50 | 39.8273 |
| 500 | 398.2727 |
| 2,000 | 1,593.09 |
| 20,000 | 15,930.91 |
| 100,000 | 79,654.54 |
Payout network for USDC
The same USDC goes out in several networks. Rates and lower limits differ, and the fee is charged by the network itself.
| Network | Per XRP | From | Network fee | Speed |
|---|---|---|---|---|
| Polygon | 1.2518 | 71.0732 XRP | ≈ $0.00065 | fast |
| Solana | 1.2518 | 71.0732 XRP | ≈ $0.00048 | fast |
| Ethereum (ERC20) | 1.2518 | 71.0732 XRP | ≈ $0.0059 | medium |
| Arbitrum One | 1.2554 | — | ≈ $0.0029 | fast |
| BASE open now | 1.2554 | — | — | — |
| BNB Smart Chain (BEP20) | 1.2554 | — | ≈ $0.0023 | fast |
| Avalanche C-Chain | 1.2554 | — | ≈ $0.0014 | fast |
| NEAR | 1.2554 | — | — | — |
| Optimism | 1.2554 | — | ≈ $0.00015 | fast |
| XLM | 1.2554 | — | — | — |
How the XRP → USDC BASE order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDC address in BASE and a way to reach you.
- Send XRP in XRP Ledger for exactly the amount stated in the order.
- Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.
Check this before sending XRP
- The address network is BASE. Sending through another network usually means losing the transfer.
- Copy the address whole, then compare the first and last characters after pasting.
- Coins go through an AML check: a flagged transfer can be held until the check is finished.
Where the XRP to USDC BASE rate has been
high 1.3346 USDC BASElow 1.2196 USDC BASE
Oct 25, 2026 07:00Nov 1, 2026 07:00
high 1.5197 USDC BASElow 1.2369 USDC BASE
Oct 1, 2026 03:00Oct 31, 2026 03:00
high 1.5715 USDC BASElow 0.993158 USDC BASE
Aug 2, 2026 03:00Oct 31, 2026 03:00
high 2.5274 USDC BASElow 0.993158 USDC BASE
Nov 1, 2025 03:00Oct 31, 2026 03:00
- 24 hours
- −0.52%
- Week
- −4.5%
- Weekly high
- 1.3346 USDC BASE
- Weekly low
- 1.2196 USDC BASE
- Spread
- 9.43%
Market data from CoinGecko as of Nov 1, 2026 06:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far XRP/USDC BASE travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 1.2556 | 1.2431 | 1.25 | −0.52% |
| Week | 1.3346 | 1.2196 | 1.2863 | −4.5% |
| Month | 1.5197 | 1.2369 | 1.3683 | −16.03% |
| Quarter | 1.5715 | 0.993158 | 1.3222 | +17.98% |
Figures are in USDC BASE per unit sent, from market data.
Daily XRP → USDC BASE rate
| Day | Close | Against the day before |
|---|---|---|
| Oct 31, 2026 | 1.2511 USDC BASE | +1.15% |
| Oct 30, 2026 | 1.2369 USDC BASE | −6.67% |
| Oct 29, 2026 | 1.3253 USDC BASE | −0.38% |
| Oct 28, 2026 | 1.3303 USDC BASE | +1.73% |
| Oct 27, 2026 | 1.3077 USDC BASE | +0.99% |
| Oct 26, 2026 | 1.2948 USDC BASE | −0.32% |
| Oct 25, 2026 | 1.2989 USDC BASE | +0.37% |
Daily RubyCash rate: XRP → USDC BASE
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 1, 2026 | 1.2546 USDC BASE | 1.25 |
| Oct 31, 2026 | 1.2575 USDC BASE | 1.25 |
| Oct 30, 2026 | 1.2585 USDC BASE | 1.2505 |
| Oct 29, 2026 | 1.2471 USDC BASE | 1.241 |
| Oct 28, 2026 | 1.3312 USDC BASE | 1.3306 |
| Oct 27, 2026 | 1.3345 USDC BASE | 1.3209 |
| Oct 26, 2026 | 1.2933 USDC BASE | 1.2909 |
| Oct 25, 2026 | 1.307 USDC BASE | 1.3006 |
| Oct 24, 2026 | 1.2995 USDC BASE | 1.2905 |
| Oct 22, 2026 | 1.3126 USDC BASE | 1.3106 |
| Oct 21, 2026 | 1.3748 USDC BASE | 1.3904 |
| Oct 20, 2026 | 1.342 USDC BASE | 1.3303 |
| Oct 19, 2026 | 1.3116 USDC BASE | 1.3002 |
| Oct 18, 2026 | 1.3055 USDC BASE | 1.2903 |
Our own rate is written down every hour; the table keeps the last entry of each day. The market column is the ratio of the same two coins on CoinGecko at that moment. Where these numbers come from
The numbers on XRP and USDC
XRP XRP- Price
- $1.25
- 24 hours
- −0.5%
- Week
- −4.45%
- Market cap
- $79.09 B
- 24-hour turnover
- $729.41 M
- Rank by cap
- #5
- In circulation
- 63.35 B XRP
- Record price
- $3.65
USD Coin USDC- Price
- $0.999999
- 24 hours
- +0.02%
- Week
- +0.05%
- Market cap
- $71.71 B
- 24-hour turnover
- $5.85 B
- Rank by cap
- #6
- In circulation
- 71.71 B USDC
- Record price
- $1.04
Source: CoinGecko, Nov 1, 2026 06:24.
XRP against USD Coin
| XRP (XRP) | USD Coin (USDC) | |
|---|---|---|
| Ticker | XRP | USDC |
| Type | coin of its own network | token |
| Launched | 2012 | 2018 |
| Built by | Ripple Labs | Circle |
| Consensus | XRP Ledger Consensus Protocol | — |
| Block | ~4 sec | — |
| Supply cap | 100 B XRP | no cap |
| Privacy | transfers are public | — |
| In circulation | 63.35 B XRP | 71.71 B USDC |
| Market cap | $79.09 B | $71.71 B |
| Rank by cap | #5 | #6 |
| Network | — | BASE |
Daily moves of XRP and USDC over 90 days line up at 0.08 — they travel apart.
Common questions: XRP → USDC BASE
What rate does XRP to USDC BASE run at?
As of Nov 1, 2026 06:59 it is 1 XRP = 1.2554 USDC BASE. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.26.
What else is taken on top of the rate?
The payout is already calculated at the rate in the calculator. On top of it you only pay the network fee for sending XRP, and that one goes to the blockchain, not to us.
How long does XRP to USDC BASE take?
The clock starts with confirmations: the order goes into work once XRP Ledger confirms your transfer. After that it comes down to how busy the network is. A block in XRP Ledger closes in about 4 sec.
Which network will USDC BASE arrive in?
The payout leaves in BASE. Make sure the receiving wallet works with that network.
Where is receiving USDC cheaper?
The cheapest is usually USDC Polygon, USDC SOL, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC Optimism. Still, the network is chosen by what the recipient supports, not by the fee.
What if the rate moves while I am paying?
The rate is pinned to the order and does not move while the order is alive. It can be recalculated if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.
What did the XRP to USDC BASE rate do this month?
The month came in at minus 16.03%. Low 1.2369, high 1.5197, middle 1.3683 USDC BASE per XRP.
Can I go back, USDC BASE to XRP?
Yes, the reverse direction is open: 1 USDC BASE = 0.80295 XRP. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send XRP, receive something else
XRP → USDS1.2522
XRP → USDT Arbitrum1.2569- XRP → USDT BEP201.2569
- XRP → USDT AVAX C1.2569
- XRP → USDT ERC201.2569
- XRP → USDT NEAR1.2569
- XRP → USDT OMNI1.2569
- XRP → USDT Optimism1.2569
