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 06:19

Payout network: BASE
24 hours: −0.71%

You send

XRP

You get 1.2541

USDC BASE

Start the order

Rate: 1 XRP = 1.2541 USDC BASE
Up to: 8,000,000 XRP

The figure is indicative; the exact amount is locked in the order.

One XRP buys 1.2541 USDC BASE right now; the other way round, 1 USDC BASE is 0.797374 XRP. Market over 24 hours: XRP against USDC BASE minus 0.71%. The week added minus 3.92%.

The weekly corridor ran from 1.2086 to 1.3379 USDC BASE, a spread of 10.7%.

The payout leaves in the BASE network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($79.06 B) and USD Coin 6th ($71.73 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 = 1.2541 USDC BASE

1 USDC BASE = 0.797374 XRP

Send XRP — receive USDC BASE

XRP	USDC BASE
10	12.5412
50	62.7058
200	250.8232
2,000	2,508.23
10,000	12,541.16
50,000	62,705.81

Need USDC BASE — send this much XRP

USDC BASE	XRP
10	7.9737
50	39.8687
500	398.6871
2,000	1,594.75
20,000	15,947.49
100,000	79,737.43

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	1.2505	71.0732 XRP	≈ $0.0015	fast
Solana	1.2505	71.0732 XRP	≈ $0.00048	fast
Ethereum (ERC20)	1.2505	71.0732 XRP	≈ $0.0061	medium
Arbitrum One	1.2541	—	≈ $0.0029	fast
BASE open now	1.2541	—	—	—
BNB Smart Chain (BEP20)	1.2541	—	≈ $0.0023	fast
Avalanche C-Chain	1.2541	—	≈ $0.0014	fast
NEAR	1.2541	—	—	—
Optimism	1.2541	—	≈ $0.00015	fast
XLM	1.2541	—	—	—

XRP → USDC: compare all networks USDC network fees

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.

Swap XRP for USDC BASE

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

WeekMonthQuarterYear

high 1.3379 USDC BASElow 1.2086 USDC BASE

Oct 25, 2026 06:23Nov 1, 2026 06:23

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: −0.71%
Week: −3.92%
Weekly high: 1.3379 USDC BASE
Weekly low: 1.2086 USDC BASE
Spread: 10.7%

Market data from CoinGecko as of Nov 1, 2026 05:54; 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	1.2551	1.2449	1.2501	−0.71%
Week	1.3379	1.2086	1.2867	−3.92%
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: −0.68%
Week: −4.04%
Market cap: $79.06 B
24-hour turnover: $737.63 M
Rank by cap: #5
In circulation: 63.35 B XRP
Record price: $3.65

USD Coin USDC

Price: $1.00
24 hours: +0.03%
Week: +0.04%
Market cap: $71.73 B
24-hour turnover: $5.91 B
Rank by cap: #6
In circulation: 71.72 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 05:54.

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	71.72 B USDC
Market cap	$79.06 B	$71.73 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 06:19 it is 1 XRP = 1.2541 USDC BASE. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.25.

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 = 0.803785 XRP. The link sits right under the calculator.