Swap XRP for USD Coin (USDC ERC20)

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 3, 2026 04:04

Orders from: 71.0732 XRP ≈ $88.84
Payout network: Ethereum (ERC20)
24 hours: −0.23%

You send

XRP

You get 1,252.91

USDC ERC20

Start the order

Rate: 1 XRP = 1.2529 USDC ERC20
From: 71.0732 XRP
Up to: 8,000,000 XRP

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

The direction runs at 1.2529 USDC ERC20 per XRP, or 0.798145 XRP per USDC ERC20. Market over 24 hours: XRP against USDC ERC20 minus 0.23%. The week added minus 2.98%.

The weekly corridor ran from 1.2196 to 1.3346 USDC ERC20, a spread of 9.43%. A single order takes 71.0732 to 8,000,000 XRP. In dollars that is roughly $88.84.

The payout leaves in the Ethereum (ERC20) network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($79.05 B) and USD Coin 6th ($70.99 B). Daily moves of XRP and USDC over 90 days line up at 0.08 (they travel apart).

Who takes the XRP → USDC ERC20 route

Sitting out the swingsXRP moved −15.97% over the past month. USDC tracks the dollar, so after the swap the value stops following XRP.
A road both waysThe USDC ERC20 → XRP direction is open too, so going back into XRP takes the same route.

XRP → USDC ERC20 rate and amounts

1 XRP = 1.2529 USDC ERC20

1 USDC ERC20 = 0.798145 XRP

Send XRP — receive USDC ERC20

XRP	USDC ERC20
100	125.2905
500	626.4525
1,000	1,252.91
5,000	6,264.53
10,000	12,529.05
50,000	62,645.25

Need USDC ERC20 — send this much XRP

USDC ERC20	XRP
100	79.8145
500	399.0726
2,000	1,596.29
5,000	3,990.73
20,000	15,962.9
100,000	79,814.51

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	1.2529	71.0732 XRP	≈ $0.0016	fast
Solana	1.2529	71.0732 XRP	≈ $0.00046	fast
Ethereum (ERC20) open now	1.2529	71.0732 XRP	≈ $0.0057	medium
Arbitrum One	1.2565	—	≈ $0.0029	fast
BASE	1.2565	—	—	—
BNB Smart Chain (BEP20)	1.2565	—	≈ $0.0023	fast
Avalanche C-Chain	1.2565	—	≈ $0.0014	fast
NEAR	1.2565	—	—	—
Optimism	1.2565	—	≈ $0.00015	fast
XLM	1.2565	—	—	—

XRP → USDC: compare all networks USDC network fees

How the XRP → USDC ERC20 order runs

Work out the amount in the calculator: orders start at 71.0732 XRP.
Enter a USDC address in Ethereum (ERC20) 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 ERC20

Check this before sending XRP

The address network is Ethereum (ERC20). Sending through another network usually means losing the transfer.
The transfer must not be smaller than 71.0732 XRP.
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 ERC20 rate has been

WeekMonthQuarterYear

high 1.3346 USDC ERC20low 1.2196 USDC ERC20

Oct 27, 2026 04:05Nov 3, 2026 04:05

high 1.5197 USDC ERC20low 1.2369 USDC ERC20

Oct 3, 2026 03:00Nov 2, 2026 03:00

high 1.5715 USDC ERC20low 0.993158 USDC ERC20

Aug 4, 2026 03:00Nov 2, 2026 03:00

high 2.5274 USDC ERC20low 0.993158 USDC ERC20

Nov 3, 2025 03:00Nov 2, 2026 03:00

24 hours: −0.23%
Week: −2.98%
Weekly high: 1.3346 USDC ERC20
Weekly low: 1.2196 USDC ERC20
Spread: 9.43%

Market data from CoinGecko as of Nov 3, 2026 02:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far XRP/USDC ERC20 travelled, by period

Period	High	Low	Middle	Net move
24 hours	1.2538	1.2424	1.2495	−0.23%
Week	1.3346	1.2196	1.2744	−2.98%
Month	1.5197	1.2369	1.3528	−15.92%
Quarter	1.5715	0.993158	1.3261	+16.11%

Figures are in USDC ERC20 per unit sent, from market data.

Daily XRP → USDC ERC20 rate

Day	Close	Against the day before
Nov 2, 2026	1.2483 USDC ERC20	−0.17%
Nov 1, 2026	1.2505 USDC ERC20	−0.37%
Oct 31, 2026	1.2551 USDC ERC20	+1.47%
Oct 30, 2026	1.2369 USDC ERC20	−6.67%
Oct 29, 2026	1.3253 USDC ERC20	−0.38%
Oct 28, 2026	1.3303 USDC ERC20	+1.73%
Oct 27, 2026	1.3077 USDC ERC20	+0.99%

Daily RubyCash rate: XRP → USDC ERC20

Date	RubyCash rate	Market rate
Nov 3, 2026	1.2529 USDC ERC20	1.2508
Nov 2, 2026	1.2492 USDC ERC20	1.2509
Nov 1, 2026	1.2498 USDC ERC20	1.2503
Oct 31, 2026	1.2538 USDC ERC20	1.25
Oct 30, 2026	1.2549 USDC ERC20	1.2505
Oct 29, 2026	1.2435 USDC ERC20	1.241
Oct 28, 2026	1.3273 USDC ERC20	1.3306
Oct 27, 2026	1.3307 USDC ERC20	1.3209
Oct 26, 2026	1.2896 USDC ERC20	1.2909
Oct 25, 2026	1.3032 USDC ERC20	1.3006
Oct 24, 2026	1.2957 USDC ERC20	1.2905
Oct 22, 2026	1.3088 USDC ERC20	1.3106
Oct 21, 2026	1.3709 USDC ERC20	1.3904
Oct 20, 2026	1.3381 USDC ERC20	1.3303

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: −0.27%
Week: −3.34%
Market cap: $79.05 B
24-hour turnover: $1.39 B
Rank by cap: #5
In circulation: 63.35 B XRP
Record price: $3.65

USD Coin USDC

Price: $0.999324
24 hours: −0.04%
Week: −0.01%
Market cap: $70.99 B
24-hour turnover: $13.98 B
Rank by cap: #6
In circulation: 71.04 B USDC
Record price: $1.04

Source: CoinGecko, Nov 3, 2026 02:54.

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	71.04 B USDC
Market cap	$79.05 B	$70.99 B
Rank by cap	#5	#6
Network	—	Ethereum (ERC20)
Fees are paid in	—	ETH

Daily moves of XRP and USDC over 90 days line up at 0.08 — they travel apart.

Common questions: XRP → USDC ERC20

What rate does XRP to USDC ERC20 run at?

As of Nov 3, 2026 04:04 it is 1 XRP = 1.2529 USDC ERC20. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.25.

What amounts does XRP → USDC ERC20 accept?

From 71.0732 to 8,000,000 XRP per order. The lower limit is roughly $88.84.

Where does the 71.0732 XRP floor come from?

Network fees and order handling eat a small transfer alive — below 71.0732 XRP the swap stops making sense for either side.

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 ERC20 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 ERC20 arrive in?

The payout leaves in Ethereum (ERC20). 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 ERC20 rate do this month?

The month came in at minus 15.92%. Low 1.2369, high 1.5197, middle 1.3528 USDC ERC20 per XRP.

Can I go back, USDC ERC20 to XRP?

Yes, the reverse direction is open: 1 USDC ERC20 = 0.801102 XRP. The link sits right under the calculator.